What about contents insurance for temporary storage?

How long are my belongings insured in temporary storage?

How long your contents are insured in temporary storage varies by insurer. There can be big differences between insurers. For example, at Centraal Beheer your belongings are insured for a maximum of 2 years, while at OHRA this is one year. At Inshared your belongings are co-insured for a maximum of 9 months and at Nationale Nederlanden only 3 months. So there are significant differences here. If the work on your house will take 6 months, it is not useful if your belongings are insured for only 3 months in storage. So always check with your insurer how long your possessions are covered if they are in temporary storage.

Automatic contents insurance in case of temporary storage?

Also check the terms and conditions of the storage company where your belongings are stored. Some storage companies will automatically purchase insurance for you when you rent a unit. The cost is often included in the rent. There are also storage companies that require you to prove that your contents insurance meets their requirements. Is that not the case? Then you can often get temporary contents insurance through them as well.

Temporary storage checklist

• Check what exactly your contents insurance covers in the event of temporary storage. What kind of damage are you insured for while your belongings are in temporary storage?
• Check if you need additional coverage, such as outdoor coverage. Some insurers want you to purchase additional coverage to be insured while your belongings are in temporary storage. With most insurers, however, it will fall under the basic coverage of your contents insurance.
• Make sure your household contents are insured for the correct value. This will prevent you from being underinsured in case of damage or theft.
• Check what the maximum period is that your contents in storage is co-insured. There are sometimes big differences between insurers. Check well in advance how this is regulated by your insurer to avoid unpleasant surprises.
• Check if there are any other conditions the temporary storage must meet according to your insurer. For example, some insurers have included in their terms that the storage facility must have preventative features, such as controlled access that you can only get through with an access pass.

Are you moving your belongings to your new address? Be sure to notify your new address to your household insurance company!

Don't have household contents insurance yet? Take out one through Alpina.nl!

Home contents insurance is one of the most important home insurance policies there is. Make sure your contents are always properly insured, even when they are in temporary storage. With our online comparison tool, you can easily compare different home contents insurance policies. Have you found the right home contents insurance at the best conditions? Then you can take out the insurance quickly and easily!