What is contents?
All loose items in your home fall under your contents, these are the things you can grab without breaking anything. Examples are furniture, clothing and dishes. Wallpaper and laminate also fall under your household effects.
If you are uncertain about the value of your household contents, you can fill in the household contents value meter in our calculation module. This module calculates the value of your household contents, so you can be sure that you are insuring your household contents for the right amount.
Valuables
Your contents may include valuables in addition to "regular" contents, including:
- Art (paintings, sculptures, art objects)
- Antiques
- Body jewelry (watches and jewelry worn on or around the body and made of precious, rock, mineral, pearl, (blood) coral or similar materials)
- Collections
- Musical Instruments
- Audiovisual equipment (radio, DVD player, VCR, CD player, television set, video camera, digital camera, all types of computer equipment, photo camera, MP3 players, etc.).
What is counted as a building/property?
There can be discussion about what should be counted as building and what should be counted as contents when damage occurs or when the sum insured needs to be determined.
You can view the overview of the Association of Insurers, regarding this topic, below.
If the building and contents belong to different people, certain parts mentioned under building may still fall under contents if the following requirements are met:
- The owner of the contents has improved/added things to the building at his own expense.
- The contents owner took over an improvement already made by the previous occupant for a fee
- And the rig owner or his insurer will not reimburse e/o repair the damage.
Note!
Note that contents insurance covers valuables up to a certain amount. In the four major cities (Amsterdam, Rotterdam, Utrecht and The Hague), audiovisual equipment is covered up to a maximum benefit amount of 5,000 euros. Collections and art are covered at the daily value, this amount is often much less than the actual value. Jewelry is covered up to a maximum of 2500 euros. Cash and checks are reimbursed up to 1250 euros, in the four major cities this is covered up to 625 euros.
Contents insurance also covers property around your home. This includes garden furniture and garden tools. A garden fence, on the other hand, falls under the contents insurance.
There are some cases where contents are not covered under contents insurance. These cases are floods, molest damage (damage caused by war or armed uprisings), earthquakes and nuclear disasters.
Overview Association of Insurers
contentsair conditioning (loose) exhaust hood (loose) antenna + connection sculpture (loose) security installation security lighting building material/building complete artwork (stand-alone) lantern (without foundation) marquis nameplate carpet pad fireplace (loose) parquet/laminate (loose) satellite dish solarium carpet sign fitted carpet flagpole (loose) soft floor covering sundial awnings (interior and exterior) |
opstal
countertop
earth leakage switch
air conditioning (fixed)
garbage dispenser (part kitchen)
waste shredder (part kitchen)
drain/pipe
hood (built-in)
sculpture (fixed)
call
wallpaper
paving
paneling
bidet
lightning strike
boiler
building material/building incomplete
mailbox
greenhouse
c.v. installation
central antenna
door closer
door phone
shower
electricity line
fence
gas pipe
gas tank
geyser
glass in windows and doors
house license plate
home phone
built-in appliances
kitchen (built-in)
crane
structure (masonry/founded)
cork flooring/parquet
opstal
lantern (with foundation)
linoleum (glued)
marmoleum
meter box
masonry
oil tank
fireplace (fixed)
parquet (fixed)
parquet/laminate (glued together)
pergola
tiled floor
shutter (sun/intrusion protection)
plumbing
sauna
painting
fence
septic tank
key (outside/inside doors, windows)
vacuum cleaner, central plant
thermostat
toilet (incl. cistern)
transformer
fan
heating installation
pond (including fountain)
vinyl (glued)
gust stand (in garden or attached to building)
loft ladder
floor geles
aviary
folding walls
wall tiles
sink
water pipe
windscreens
solar collector (on roof)
swimming pool (incl. filter system, stairs, cover)
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