What does comprehensive household contents insurance cover?
If you want to purchase home contents insurance, you can choose from several coverage options. Based on your needs, you can select the coverage that best suits your situation. The available coverage options are: comprehensive, extra comprehensive, and most comprehensive. The latter is also known as all-risk coverage.
What items are considered household goods?
All the items in your home are covered by your home contents insurance. This includes items such as your bed, wardrobe, and rug. However, there are a number of items that are excluded from home contents insurance. This applies to items that are permanently affixed to the floor or walls. Examples include a glued-down hardwood floor or a kitchen.
What is comprehensive household contents insurance?
All-risk household contents insurance is therefore the most comprehensive type of household contents insurance. This insurance covers all unforeseen damage and external perils. So if you drop your tablet or cell phone, that will also be covered. However, damage resulting from catastrophic risks is excluded. Examples include earthquakes, floods, acts of war, and nuclear reactions. There may be other types of damage that are excluded as well. So always read the terms and conditions of your policy carefully.
Can you get comprehensive household contents insurance without a deductible?
In most cases, you can choose how high you want your deductible to be. The higher your deductible, the lower your premium will be. However, there are also insurance companies that require a minimum deductible of 100 euros. So the amount of your deductible really varies by insurance company. If you’d prefer not to have a deductible at all, you can ask our staff which insurance companies might offer coverage without a deductible.
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Can I purchase comprehensive household contents insurance online?
It is certainly possible to purchase comprehensive household contents insurance online. You can easily apply for comprehensive household contents insurance through this website. We’ve created a handy tool that lets you calculate the cost of your household contents insurance. To get a quote, you’ll need information about your home and the estimated value of your household contents.
In addition to being able to purchase home contents insurance online, you can of course always reach us at 085 – 029 5184. We are available by phone every weekday from 8:30 a.m. to 5:30 p.m. We can then go over your options with you and compare different insurance policies.
Can I still get comprehensive household contents insurance even if I have special circumstances?
If you’ve had a dispute with an insurer in the past, you may not be able to purchase new home contents insurance. A “dispute” refers, for example, to a situation where your policy was canceled because you failed to pay your premium on time, or where you’re registered with Stichting CIS. Most insurers will not accept you for home contents insurance.
Here at inboedelverzekering.nl, we’re always here to help you find the right solution. We have an agreement with the insurance company de Vereende. This insurer accepts virtually everyone, including people with a CIS registration. Unfortunately, it’s not possible to purchase comprehensive household contents insurance. However, you can take out standard household contents insurance here. This insurance covers damage to your household contents caused by fire, theft, storms, and water leaks. You cannot take out insurance directly with de Vereende. Therefore, you must contact us to arrange standard household contents insurance with de Vereende. We are available by phone every business day from 8:00 a.m. to 6:00 p.m. at 085 – 029 5184.
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