Cheap contents insurance
Your household effects consist of many different things with different values. Over the years, you buy and receive more and more things. Your household contents probably contain valuable items as well. These items can be damaged in many different ways. For example by fire, burglary, water, storm or lightning strike. If your possessions are already damaged, you don't want to have to deal with the extra costs. A good home contents insurance may be the solution for you. Since life is expensive enough already, you don't want to pay too much for home insurance. Fortunately, good home contents insurance does not have to cost you too much money. But what should you look for when taking out cheap household insurance? In this article we will elaborate on that.
Premium for contents insurance in relation to the benefit
If you were to calculate what you would lose in premiums compared to the benefit you would receive in case of a claim, the premium is negligible. In the event of a large claim, the costs can quickly mount up. If you pay a monthly premium of €12, that is €144 per year. This amount is insignificant when you compare it to the actual value of your possessions.
Get cheap contents insurance
Cheap does not have to be expensive. If you pay attention when comparing the different home contents insurances, you can be cheap and not end up with unforeseen costs. It is important that you know what you want to insure. Your demands and wishes play an important role in this. Make sure you find out before you take out household insurance.
The standard premium is built up on the basis of 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 cover you want, your claims 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. The chance of burglary in Amsterdam is much higher. In addition, the premium consists of the wishes and requirements you have specified.
Excess of contents insurance
The excess also plays a role in the amount of premium you will pay for your home contents insurance. The more excess you are prepared to pay in the event of damage to your contents, the lower the premium you will ultimately pay. The money that you do not pay monthly in premiums, you will lose when you have to pay the excess. It is good to weigh up the pros and cons.
Over- or underinsure your household effects
It may happen that you have under- or overinsured your household effects. This means that you have underestimated or overestimated the value of your possessions. If you are underinsured, the insurer will often only pay the maximum amount for which you are insured. You will have to pay the rest yourself. You can prevent this by filling in the value meter for household effects. This way you will have a better estimate of the value of your household effects and you will not be confronted with unpleasant surprises. The value meter can also be useful to prevent over-insurance. 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 what household insurance you need? No problem! If you have any questions, feel free to contact our customer service.
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