What is contents insurance?

What is the best home contents insurance?

There are many different types of contents insurance. So which is the best home contents insurance policy? That depends entirely on your personal situation and the coverage you choose. Basic coverage covers the consequences of fire, lightning, water damage, theft and vandalism. In addition to this basic insurance, you can opt for additional coverage, such as outdoor coverage, or valuables insurance. The most comprehensive coverage is all-risk contents insurance. Often, contents insurance is taken out together with homeowners insurance or liability insurance. This is because when you take out multiple home insurance policies, you benefit from package discounts.

The differences between insurance companies can be large. So it pays to compare well. Would you also like to know what you will pay for contents insurance? Calculate it using the tool below. You can then take out your household insurance directly.

What is included in contents?

What exactly do we mean by household contents? In a nutshell, we mean household contents: all the things in your home that are not nail-bound and therefore easy to move. Such as your furniture, clothes, and appliances. All items that are easy to take with a move fall under household contents. Items that are attached to your home, such as a built-in kitchen, should be insured separately with contents insurance. Coverage for contents outside the home is usually excluded. In many cases, however, you can purchase outdoor coverage. Read about laptop and contents insurance here.

Why have contents insurance?

Even if you don't have the most expensive furniture or own a rare collection, your belongings add up to a lot. Suppose, for example, a fire breaks out in your home, or your house is broken into and you need to replace all of these items, you will have to dig deep into your pockets. Taking out contents insurance can therefore be worthwhile. Moreover, damage to your belongings cannot always be prevented either, even if you are so careful. Damage caused by severe weather, for example, is something you can't always do anything about. The conditions of your insurance policy describe the causes in which an insurer pays compensation. They also describe when there is no coverage from the contents insurance.

Will my contents insurance move with me?

Are you going to be moving? Then it is important to inform your insurance company about the move in a timely manner. You can simply take the contents insurance with you to your new home. All you have to do is inform us of the change of address. We will ensure that this is updated with your insurance company. Moving house is also a good time to review your insurance policies. For example, do you have new furniture or new appliances? If so, the value of your contents may change.

What is the premium of contents insurance?

The premium of a household insurance policy is the amount you pay monthly (or other period) to the insurer. The amount of this premium depends on your personal situation and which coverage you choose. When you take out household contents insurance, you can choose up to what amount you want to be insured. This value is closely related to the amount of your premium. The higher the value of the contents, the higher the premium. To determine the value of your household contents, there is a tool called the household contents value meter.