Contents insurance when living together without a cohabitation contract?

So how do you decide which household insurance to cancel? The insurer uses a rule of thumb for this: the shortest running insurance can be cancelled. If you ask for it, it is often also possible to cancel the longest running insurance. This does not have to be the case. Nor does an insurance company have to agree to this.

When canceling, always compare the price of your insurance policies and other insurance policies. In order to come out as inexpensive as possible, choose the cheapest, of course. Do you choose the cheapest? Then check the policy conditions carefully. You may get less coverage than you need.

It is also important to check in which cases your insurer pays out. That way you will know better where you stand.

Taking out household contents insurance when living together without a cohabitation contract: how to proceed?

Purchasing contents insurance is easy and quick. Below is a step-by-step guide to what you need to do.

Step 1: Calculate the value of your combined household contents

This is how you map out the amount for which you should purchase your insurance. For this you can use a 'household contents value meter'. Here you fill in all the requested data. This will result in a number of points. Based on these points your household contents value will be calculated.

Step 2: Choose an insurer

Take a close look at several insurers. Consider how high the premium is, what risks they are willing to cover and the content of the policy terms. Do you both already have insurance? Then decide whether to cancel one of the two insurance policies. You can then choose to keep one. Of course, it is also possible to cancel both insurance policies and take out a new contents insurance policy.

Step 3: Close your insurance policy

When you have chosen the right insurance, it is time to take it out. To do this, enter your details with the relevant insurer. Often this can be done easily online. It is often also possible to make a personal appointment with your insurer.

Step 4: go carefree!

Now that you are finally insured, you can enjoy your new home (including contents!) carefree. Knowing that everything is well taken care of with a specialized insurer when something breaks down.