Is a kitchen covered by contents insurance?
For many people, the kitchen is an important part of the home. The costs often fall high when you have damage to your kitchen. This is, of course, very annoying. Insuring your kitchen is therefore a good choice. Does your kitchen now fall under your contents insurance or should you take out building insurance for it?
What is the difference between contents insurance and home insurance?
If you own a home for sale, it is advisable to take out both contents and home insurance. What exactly is the difference between these insurances? Contents insurance covers items that are not earth and nail fixed, such as things that can be moved. Buildings insurance covers items that are fixed to the earth and nails. In other words, buildings insurance is for the home itself, and contents insurance is for the items in the home.
Damage to kitchen; is this covered by contents?
The kitchen is a part of the house. It is not easily movable without breaking and demolition. However, there may be parts that are not attached to the kitchen, such as a loose freezer. The Association of Insurers has published an overview with guidelines to clarify what is covered under contents and what is covered under buildings insurance. Keep in mind that these are guidelines and there may be differences between insurers. To find out exactly which damage is covered under which insurance policy, consult your policy.
Taking out household contents insurance? Calculate your premium!
Building insurance
- Countertop
- Garbage dispenser (part of the kitchen equipment)
- Garbage disposer (part of kitchen equipment)
- Drain/pipe
- Range hood (built-in)
- Outdoor kitchen (fixed)
- Electricity line
- Gas pipe
- Gas tank
- Geyser
- Built-in appliances
- Kitchen (built-in)
- Crane
- Fan (central installation)
- Wall Tiles
Contents insurance
- Extractor hood (loose)
- Boiler
- Outdoor kitchen (loose)
- Stove (loose, no built-in)
- refrigerator (loose)
Is contents insurance mandatory?
Contents insurance is not mandatory, but it is highly recommended. It is important to know the correct value of your contents. After all, often your contents are worth more than you think. What if you had to buy everything again in the event of a fire or other unforeseen event? You can probably imagine that this is a big expense. As an aid to determining the value of your household contents, you can use the household contents value meter.
Compare household insurance policies
Before purchasing contents insurance, it is wise to compare carefully . Insurers may exclude certain things from coverage. For example, damage caused by intentional acts or gross negligence. Other causes of damage may also be excluded. This can be found in the terms and conditions and any clauses of the insurance policy. Exclusions may affect the amount of the premium offered.
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