What is covered by home contents insurance?
Many insurers offer home contents insurance. There are also various types of coverage available. This makes it more difficult to compare all providers and their products. Coverage is an important factor to consider when comparing home contents insurance policies.
Which items in my home are considered personal property?
Items in your home that can be moved are covered under your household contents insurance. However, this does not apply if they are permanently affixed to the floor or walls. This means you cannot move them without damaging them. Examples include a glued-down hardwood floor or a kitchen. Portable items, such as your laptop, may also be covered by your household contents insurance in certain cases. Read more here.
What types of coverage are available?
With home contents insurance, you’ll often come across the following coverage options: comprehensive, extra comprehensive, and most comprehensive. The latter is also known as all-risk coverage. The most common coverage options are “extra comprehensive” and “most comprehensive.” Damages that are often covered under basic coverage include:
- Water Damage
- Fire damage
- Theft damage
- Damage to valuables
What types of additional coverage are available with home contents insurance?
Insurance companies often offer the option to insure certain portable items, such as cameras, even when they are outside the home. This is called “out-of-home coverage.”
Most insurers now also offer coverage for smartphones and tablets. Damage to these devices is often not covered under home contents insurance. In the past, this was often covered, but due to the high number of claims involving tablets and smartphones, it has become a separate type of coverage.
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Home Contents Insurance Coverage During a Move
Are you looking for a new home or planning to move soon? Do you know how home contents insurance works during a move? It’s possible that your belongings could get damaged or even broken during the move. The coverage provided by your home contents insurance during a move can vary by insurer. Your home contents insurance may offer limited coverage during a move. Therefore, be sure to carefully review the policy terms well in advance of your move.
What is always excluded from coverage?
Damage that was foreseeable is never covered by any insurance policy. This includes, for example, damage caused by neglected maintenance. Damage caused intentionally is also not covered.
Home contents insurance often does not cover damage caused by floods, earthquakes, acts of violence, or nuclear reactions.
Difference Between Liability Insurance and Home Contents Insurance
What exactly is the difference between liability insurance and home contents insurance? Home contents insurance covers damage to your own belongings. Liability insurance covers damage caused by others.
What should I keep in mind when purchasing home contents insurance?
Before you take out home contents insurance, it’s important to check what is and isn’t covered, and under what conditions. This is outlined in the policy terms and conditions. The policy document itself often contains this information as well. Always read the policy and the terms and conditions carefully, both before taking out the insurance and after receiving the policy. That way, you’ll know exactly where you stand and won’t face any surprises later on.
Of course, we can also provide you with this information over the phone. Please contact us at 088-6883700. We are available by phone between 8:30 a.m. and 5:30 p.m.
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