Are you insured against theft with contents insurance?
Unfortunately, you may have to deal with theft. Naturally, you want to be as insured against theft as possible. Unfortunately, there is no theft insurance that covers all forms of theft. To protect your contents, you can take out contents insurance. Your car, for example, needs a completely different type of insurance - all-risk car insurance.
Theft of your contents
If you take out household contents insurance, you are immediately insured against theft. In fact, you take out insurance against damage to your household contents inside the house (including burglary, that is). Damage to special and valuable items are often partially covered. Think of damage to items such as jewelry, computer equipment and art objects. So always read the policy conditions carefully when taking out household contents insurance. If you have a lot of valuable items, it is useful to take out additional contents insurance. Then you can be sure that you are well insured.
When contents are stolen from your car, this damage is also covered by your contents insurance. You must be able to show clear signs of break-in. However, most insurers will cover a maximum amount for theft from cars.
Theft outside the home?
With your household contents insurance, you are only insured indoors. So are items stolen from you outside the door? Then you must have outdoor coverage if you want to be insured against damage and theft. This coverage is for items that you can actually use outside the home, such as a video camera, a camera and a laptop. With some insurers, the outdoor coverage is included as standard, so read your policy conditions carefully!
Taking out household contents insurance? Calculate your premium!
Burglary damage to buildings
When your home is burglarized, you usually have damage to your home as well. A burglar may have broken your door or smashed a window. This damage is not covered by home contents insurance. For this you have to take out another insurance, namely building insurance.
What is covered when a student house is burglarized?
Do you, or your child, live in a student house? Then you can take out special contents insurance for students. In case of burglary in a student house, insurers use a so-called indoor burglary clause. This means that damage due to theft is only covered if there are traces of burglary. So you must be able to prove that a lock was forced or that a window was smashed.
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