Cheap contents insurance
Your household contents consist of many different items with different values. Over the years, you buy, and also get, more and more stuff. Your household contents probably include valuables. These items can be damaged in many different ways. For example, by fire, burglary, water, storm or lightning. If your household contents are already damaged, you are not at all looking forward to the extra costs involved. A good home contents insurance can be the solution for you. Since life is already expensive enough, you don't want to pay too much for contents insurance. Fortunately, good contents insurance doesn't have to cost you too much money. But what should you look for when buying a cheap contents insurance policy? In this article, we'll go into that in more detail.
Contents insurance premium relative to benefit
If you were to calculate what you would lose in premium compared to the benefit you would receive in the event of a claim, the premium is negligible. In the event of a substantial claim, the cost can quickly add up. If you pay €12 a month in premium, that's €144 a year. That amount is then dwarfed when you compare it to the actual value of your contents.
Getting cheap contents insurance
Cheap does not have to be expensive. If you are careful when comparing different home contents insurances, you can be cheap and not end up with unforeseen costs afterwards. It is important to know what you want to insure. Your requirements and wishes play an important role in this. Make sure you figure this out before you purchase contents insurance.
The standard premium is constructed based on a number of factors. These include the value of your belongings, where you live, the type of house you live in, any preventative measures (an alarm or Politiekeurmerk Veilig Wonen), the coverage you want, your claim history and whether you want a guarantee against underinsurance. If you live in Amsterdam, the premium will be higher than if you live in a small village in Drenthe. This is because the risk of burglary is much higher in Amsterdam. In addition, the premium consists of your stated wishes and requirements.
Home contents insurance deductible
The deductible also plays a role in the amount of premium you will pay for your contents insurance. The more deductible you are willing to pay if damage occurs to your contents, the lower the premium you will end up paying. The money you do not pay in premium each month, however, you will lose if you have to pay the deductible. It is good to weigh in on this.
Over- or underinsuring your household contents
You may have underinsured or overinsured your household contents. This means that you have under- or over-estimated the value of your household contents. With underinsurance, the insurer will often only pay out the maximum amount for which you are insured. The rest you have to pay yourself. You can prevent this by filling in the contents value meter. This way you have a better estimate of the value of your household contents and you will not be confronted with unpleasant surprises afterwards. The value meter can also be useful to prevent overinsurance. This way you will not pay too much for your home contents insurance.
Content insurance compare and buy at inboedelverzekering.nl
Do you want to take out household contents insurance? With inboedelverzekering.nl 's handy calculation tool, you can quickly and easily compare insurance policies by price and quality. Don't know which household insurance you need? No problem! If you have any questions, feel free to contact our customer service.
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