Does contents insurance cover storm damage?
You are sitting in your living room watching a movie, while outside the storm is brewing. Suddenly you hear a clanking upstairs. You decide to take a look anyway. It turns out the neighbor's antenna dish has been blown loose by the storm and flown right through your window. The rain pours in and ruins your bed, curtains and clock radio.
Storm damage occurs regularly in the Netherlands. It therefore seems logical that your household contents should be insured against this with the contents insurance. But is this really the case? And what exactly is insured? Alpina explains it for you.
Does your contents insurance cover storm damage?
Contents insurance is designed to cover all the belongings in your home against a variety of damages. Basically, all items are insured that are loose in your home. Can you pick them up and take them with you? Then they are covered by contents insurance. Items such as laminate flooring are also covered under contents insurance, provided they are not glued or nailed down. If you want your fixed items, also covered then you should take out buildings insurance.
Taking out household contents insurance? Calculate your premium!
Basic contents insurance covers at least damage caused by fire and theft, depending on your insurer. Storm damage may also be covered under basic insurance. Not sure if storm damage is covered by your basic contents insurance? Always contact your insurer or consult the policy conditions.
Even if you do have storm damage insurance, you would be wise to review the policy terms thoroughly. For example, certain types of storm damage may not be covered. Water damage is often covered, although hail damage may be excluded from the contents insurance storm damage.
The right contents insurance against storm damage
It is important that your contents insurance matches your contents and risks. For example, storm damage insurance is recommended in the Netherlands. After all, it storms here regularly. It is better to be well covered than to have to pay for damages yourself.
Modules
That's why you can customize your contents insurance using different modules. You can then choose additional insurances on top of the basic contents insurance.
Value
Your premium is determined by the value for which you insure your contents. You can choose from different levels in value to insure your household contents for. Don't want to be underinsured? Then calculate the value of your contents insurance or have it calculated by a professional. If you are underinsured, you will only be paid up to the insured amount. You have to pay the rest of the damage yourself. Be aware that expensive works of art often need to be insured separately, as they quickly exceed the insurance value.
Take out your home contents insurance storm damage policy through Alpina: simple and affordable
Are you considering a home contents insurance storm damage policy? Then take it out now through Alpina! We have the right coverages for every situation. Always at the most competitive premiums. Do you have any doubts or questions about our home contents insurance? Please feel free to contact our customer service. They are happy to answer all your questions.
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