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 fall under your home contents insurance or do you have to take out building insurance?
What is the difference between contents insurance and home insurance?
If you own a home for sale, it is advisable to take out both home contents and home building insurance. What exactly is the difference between these insurances? Property insurance covers items that are not fixed to the ground and nail, such as movable items. Property insurance covers items that are fixed to the earth and nails. In other words, buildings insurance is for the home itself. Contents insurance is for items inside the home.
Damage to kitchen; is this covered by contents?
The kitchen is a part of the house. It is not easily moved without breaking and demolition. However, there may be parts that are not attached to the kitchen, such as a loose freezer. The Dutch Association of Insurers has published an overview with guidelines to clarify what is covered by contents insurance and what is covered by buildings insurance. Keep in mind that these are guidelines and there may be differences among insurers. To know exactly what damage is covered under which insurance policy, please 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. This is because 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? As you can probably imagine, this is a major 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. These may include damage caused by intentional/grievous fault. 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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