What does home contents insurance cover in the event of theft from a car?

With home contents insurance, only damage inside the home is covered. This means that all items that were inside the home at the time of the break-in are insured. Damage to items in an outbuilding (shed, garage, garden house) is also covered. Valuables outside the home (i.e., those you take with you when you’re out and about) are not covered by home contents insurance. To ensure your valuables are protected, you can purchase out-of-home coverage.

What is a second home policy?

With outdoor property coverage, you’re also insured against damage to or theft of your valuables outside your home. This coverage applies only to items that you actually use outside your home, such as a camera, sports equipment, a tablet, and a laptop. Please note that cell phones are often excluded. You should therefore carefully check which exclusions apply to your outdoor coverage. Sometimes this coverage is included as standard with your home contents insurance. So always check this thoroughly in advance.

In the future, there will only be more portable electronic devices, which means insurers will increasingly offer this coverage as an optional add-on. This coverage can only be included for an additional premium. This is almost always a fixed premium, though it does depend on the deductible you choose. The premium may also vary depending on the scope of coverage. You should carefully check whether the coverage applies only to the Netherlands or worldwide.