What is household insurance?
You can take out contents insurance to insure against damage to your belongings or furniture. For example damage caused by fire, burglary, water damage or vandalism. Household effects mean all items in your home that are easy to take with you. Household effects insurance is not compulsory, but it is highly recommended. In this article we will take a closer look at what household contents insurance is and what exactly it covers.
What is included in the contents?
A contents insurance provides coverage for all your belongings in your home. For example furniture, appliances, jewellery, can or other valuables in your home. In short, household effects mean all items in your home that are not fixed and therefore easy to move. The things you take with you when you move house, for example, fall under household effects. Your kitchen or bathroom, for example, are (in most cases) fixed to your house. For this you have to take out a separate building insurance. The coverage of household effects is limited to indoors. In many cases you can take out an exterior cover. Read here how it works with a laptop and the contents insurance.
Why take out home contents insurance?
Although contents insurance is not compulsory, it is certainly not a superfluous luxury. Damage to your belongings is not always preventable, even if you are very careful. A household contents insurance often provides coverage up to a certain amount. This value largely determines the premium of your home contents insurance. The rule is: the higher the value of your possessions, the higher the premium you pay. But how do you determine the value of your possessions? Sometimes this is not easy. That is why there are useful tools, such as the household effects meter. When filling in the content value meter it is important that you enter the correct value of your possessions. If you give too low a value, you have a chance of underinsurance. Do you give a too high value of the contents? Then you may have to pay a higher premium.
Moving house? Check your home contents insurance
When you move house, it is important to inform your insurance company in time. You can easily take your household contents insurance with you to your new home. You do not need to take out a new home contents insurance. The insurer does need to know your new address. Would you like to notify us of a change of address? We will make sure that your insurance company will be informed. However, it is a good time to take a look at your insurance policies and review them if necessary. The value of your household effects may have changed. If so, this is a good time to review your insurance.
Home contents insurance premium
The premium of a contents insurance is the amount you pay monthly (or other period) to the insurer. How high this premium is, depends on the coverage you choose and your personal situation. Also the value for which you want to be insured determines your premium.
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