Contents insurance: what damage is covered?

In what way is the premium of contents insurance for claims calculated?

Depending on the coverage you choose, you will pay premium. In addition, there are other factors that play a role in building the premium, namely:

• Your family composition;
• Insured amount;
• Type of coverage;
• Residence;
• Intrusion protection;
• Building type (material the house is built with);
• Own risk.

When you start comparing insurance, these factors play a role in how the premium is constructed. It depends entirely on these factors combined with the coverage you choose, how high your premium becomes

Exclusions on contents insurance for damages

With every insurer, there are things that contents insurance does not cover. With most insurers, these include money and securities. They may also be insured up to a maximum amount. Catastrophes (disasters) are also excluded from insurance, as are intentional and reckless acts. Coverage for contents outside the home is also excluded by most insurers. However, there is often an option to purchase out-of-home coverage.

It is good to know, however, that each insurer has its own policy terms and conditions. When buying contents insurance, it is important to look carefully at what the insurance does and does not cover.

How can you report damage to your (contents) insurer?

Have you suffered damage to your household contents? Then check carefully with your insurer to find out how to report this damage. Often the quickest way is to call your insurer. The insurer will then ask you to submit the damage in writing, but this way you have submitted the damage as quickly as possible. You can use a claim form to document the damage suffered. Always include evidence such as photos and proof of purchase. The damage you submit via the claim form is usually the amount you will be paid (if the statements are correct).

Take out your contents insurance claim through Alpina: simple and affordable

Are you considering purchasing contents insurance? 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 home contents insurance? Feel free to contact our customer service. They are happy to answer all your questions.