As a proud future home-owner, you can take out a number of different types of insurance at this stage so that you can enjoy living in your new home in the knowledge that you have adequately insured all your most precious possessions. It is relatively easy to take out adequate insurance cover to protect yourself against the financial ramifications of damage to your home and household contents. Some insurance policies are compulsory while others are highly recommended.
Our consultants know everything about insurance. We can help you to get the right insurance for your situation. Please consult us if you need more information.
The main types of insurance are explained below.
LEGAL ASSISTANCE INSURANCE
A dispute between neighbours about the position of a fence, about cutting down trees on the boundary between two properties, or local residents who object to the installation of a dormer window – these are all situations where legal assistance may be required in order to reach a solution. However that can be very costly.
Legal assistance insurance entitles you to legal advice and support in a broad variety of disputes. For example, conflicts at work or in a road accident where it is unclear who is to blame. You can personally select the areas you want to insure against.
The home-owner’s insurance policy is the most important cover home-owners can take out and is generally a mandatory requirement without which the credit institution will not extend a loan. This insurance policy covers the costs of rebuilding your house if it is damaged by fire, bad weather or other unforeseen events.
Household contents insurance
This insurance policy covers damage to your household contents that is caused by fire, flooding or burglary. The premium depends on the value of your household contents. You can determine the value using the household contents valuation aid (inboedelwaardemeter). This also guarantees that you are protected against under-insurance.
The glass insurance policy provides cover for all the glazing in your home, including double-glazing or safety glass.
This is an insurance policy that everybody should have, as minor accidents tend to happen and claims can be significant. Third party insurance (Aansprakelijkheidsverzekering voor Particulieren or AVP) covers you against the financial consequences of damage that you or members of your family unintentionally cause to others.