What is covered by contents insurance?
Contents insurance covers all items (belongings) that are not attached to your home. These are all the things you can take with you when you move. These can include items such as curtains, furniture and jewelry. Do you have click laminate and can you take it with you? Then this is also covered by contents insurance. Is your floor nailed or glued down? Then this floor is not covered by contents insurance. Also things around your house (garden furniture) are usually covered by contents insurance.
When does contents insurance cover damage?
Contents insurance covers damage from various causes. Compensation for the damage does not take place only if it is not attributable to you. For example, your contents are insured for fire damage, severe weather/storm damage, water damage, damage from burglary/theft and damage from fallen trees/broken branches.
Remember not to under- or over-insure your contents. If you are underinsured, your insurer will pay out less than the value of your household contents. With overinsurance, you insure your contents for a higher amount than the value. This way you pay too high a premium for your insurance.
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In what cases does contents insurance pay out?
Nowadays, insurers offer several types of contents insurance. Therefore, what you are reimbursed depends on which insurance policy you have taken out. Fire insurance only covers damage resulting from fire. You can often add other risks to the same package: for example, burglary.
There are several types of contents insurance: comprehensive insurance, extra comprehensive insurance and All-risk insurance. With comprehensive insurance, everything is compensated for damage caused by the causes mentioned in paragraph two: fire damage, damage from storms and so on.
The extra comprehensive insurance provides additional coverage to the comprehensive insurance. This could include damage caused by precipitation entering your home through the public road/first floor.
If you take out All-risk insurance, you are insured for virtually all types of damage. The only things definitely excluded are damages caused by natural disasters (think hurricanes or breached dikes), war damage and nuclear disasters (molest). Why are these categories excluded from any coverage? Imagine an entire city, where many residents have contents insurance, being demolished by a hurricane. This situation does not work for insurers: they would go out of business because of this disaster.
And do you want to have valuable works of art insured? Then it is wise to check with your insurer whether they are covered by the contents insurance. It is possible that works of art are not covered by this insurance or are only insured up to a certain amount. In this case, you can opt for additional insurance.
In what cases is contents insurance useful?
If you own your own home or live in an apartment, it is wise to purchase contents insurance. After all, don't do this and you get unexpected damage to your belongings? Then the costs are yours. This may not be a problem if your vacuum cleaner breaks down. But if you lose your entire household contents, due to fire damage, it already runs into substantial costs. Think carefully about whether or not to take out contents insurance.
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