Home contents insurance

By contents we mean all valuables and personal belongings in your home and outbuildings up to €250,000, including:

• Personal valuables: money, jewelry, gemstones, antiques, art and
  collections.
• Electronics: audiovisual equipment and computers.
• Instruments and hobby items: musical instruments and items for paid work (up to a certain amount).
• Pets: your faithful four-legged friends are also insured.
• Extras: tenant's or owner's interest, parts of vessels, caravans, trailers and accessories, and even new car locks in case of theft of keys from your home.

In short, your home contents insurance protects your valuable belongings and everything that makes your daily life more pleasant, safe and
trustworthy.

Your home contents are insured against a wide range of unexpected events. These include:

• damage due to fire, extinguishing, explosion or direct lightning strike.
• Your belongings are covered in the event of burglary, theft of building parts, and vandalism following a break-in.
• storm, precipitation entering through roofs or windows, and damage from falling trees, cranes or pile drivers.
• sudden leaks from pipes, aquariums or waterbeds, and from heating systems.
• damage caused by vehicles, boats or falling loads.
• unexpected damage to your belongings, even if caused by a defect or fault.
• Garden furniture, garden tools, flagpoles, rotary clothes dryers and aquariums/terrariums are also insured.
  

In short: your belongings are well protected against the most common and unexpected damage, so you don't have to worry.

With our coverage for your belongings, your belongings are insured not only at home but also while traveling. Think of jewelry, electronics, or personal belongings you take with you. In the event of damage, you'll be reimbursed up to €5,000 , with a maximum of €1,000 for jewelry, €1,000 for electronics, and €1,250 for each other item. The deductible is €150 per event.

Please note: we do ask for your due diligence. Don't leave items unattended, ensure they are properly stored, and exercise caution. This way, you'll be assured of good coverage, even outdoors.

With our extra Glass coverage , your windows, doors, conservatories, and skylights are well-protected against breakage. Translucent plastic in domes is also covered. In the event of damage, we'll also provide the necessary emergency measures so you can get back on track quickly.

Please note: some cases are not covered, such as damage to glass decorations, stained glass, glass in hobby greenhouses or garden sheds, and glass during renovations or prolonged vacancy. This way, you know exactly what to expect.

In the event of damage, you always pay a small portion yourself: the deductible . This means we cover the majority of the damage, and you only pay an agreed-upon amount. This keeps the premium affordable while providing you with comprehensive coverage. In other words, you're insured against major costs without small amounts weighing on your budget.

With our home contents insurance, all your belongings are comprehensively protected up to €250,000 . From jewelry, art, and collections to electronics, musical instruments, and even your pets – we ensure you're not left with unexpected costs.

You're also covered for special situations, such as damage to work equipment, tenant-specific modifications, or car lock replacement after theft. This gives you peace of mind: your valuables and personal belongings are in good hands with us.

Your contents are comprehensively insured up to €250,000 . This applies to virtually all your home belongings, including:

Personal valuables:

• Money, negotiable paper, loose gemstones and unprocessed precious metals: €1,250.
• Pets: €1,250
• Personal jewellery, antiques, art and collections: €6,000 each

Electronics and hobby supplies:

• Audiovisual equipment and computer equipment: €15,000
• Musical instruments: €6,000
• Employment related matters: €1,250 (unless insured elsewhere)

Extras and special cases:

• Tenant or owner interest: €15,000
• Vessels, caravans, campers, trailers and parts/accessories thereof (private use in the home or outbuilding): €1,250.
• New car locks after theft of keys from the building (car also insured with us): €125.00

In addition to the compensation itself, we also reimburse various additional costs. This means you don't have to worry about additional expenses in difficult situations.

We pay for, among other things:

• costs incurred by you or others to prevent or limit (imminent) damage.
• the reasonable costs of your own expert, up to a maximum of the amount we pay for our expert.
• assistance and rescue costs to limit damage.
• After fire, lightning or collision, for example, we reimburse the clean-up and restoration of your garden (up to 20% of the insured amount).
• if these are at your expense due to damage.
• for example for safety or compliance with building regulations.
• if your belongings need to be stored elsewhere temporarily.
• stay in a hotel or guesthouse if your home is uninhabitable (maximum 52 weeks).
• that were in your home and for which you are liable (based on current value).
• up to €500 after theft or robbery of your house keys.

Good to know: we pay these benefits in addition to the insured amount for the damage, even if that maximum amount has already been reached.

In the Netherlands, home contents insurance isn't mandatory, but it's very sensible. It allows you to decide for yourself whether you want to protect your belongings. With home contents insurance, you always have a financial safety net in case of damage from fire, burglary, or flooding. That's such peace of mind!

No, the contents of a vacation home are not automatically covered by the regular contents insurance for your primary residence. Contents insurance coverage is limited to the address listed as your primary residence in the policy.

With our home contents insurance, you can also protect your business equipment – ​​all items you use for business and for which you are responsible, such as items belonging to your employer or for a home office. Borrowed or rented items are covered by default, with a maximum reimbursement. Would you like to add additional coverage for your own business items? This is easily done as an add-on. For items used in employment, the maximum reimbursement is €1,250.

No. Home contents insurance always applies to the address stated on the policy . For example, if your child no longer lives at home and is studying in student housing, they will need their own home contents insurance . This way, items like furniture, electronics, and clothing are well protected against damage from fire, theft, or water. With their own insurance, your child doesn't have to worry about unexpected costs and can study and live safely.

Our insurance offers comprehensive coverage, but there are a few situations where damage is not covered. For example, damage due to normal use, wear and tear, superficial scratches, animals or vermin, or errors during renovations or maintenance. Damage caused by construction defects, government measures, or to glass (without additional glass coverage) is also not covered. This way, it remains clear what you are insured for and what you can count on.

Is there a change in your home, such as the construction type, roofing, or designated use, or are your belongings moving to a new address? Please let us know within 30 days . This way, we can assess whether your insurance needs to be adjusted, for example, with a different premium or terms, so you always remain well-insured.

When you move to another address in the Netherlands , coverage automatically extends for another 30 days , including theft and vandalism (after visible break-in). After this period, coverage only applies if we continue the insurance.

Important: Report any changes promptly. If you fail to do so, compensation will not be provided, but the premium must still be paid.

If you die, the insurance policy will continue. Your heirs can choose to terminate the policy with one month's notice, starting from the moment they learn of your death. This way, everything remains neat and orderly.

Are you selling your home or is ownership transferred to someone else? Then your insurance will remain in effect for one more month . If the new owner wants to continue the insurance, they can, provided they notify us within that month. We can then cancel the insurance for a maximum of two months, with a one-month notice period. As soon as the new owner insures the property elsewhere, our coverage ends immediately.

Your insurance starts on the date stated on your policy and is valid for one year . At the end of each year, we automatically renew your insurance, so you remain covered without any worries . Please note: we reserve the right to terminate your insurance in the event of late premium payment or fraud.

You can cancel your insurance any day by sending a letter or email to us or through VKG. The insurance ends on the day you specify. If your cancellation is received after that date, the insurance will end on the day the cancellation is received.