Your house is one of your most valuable possessions. Over the years, your house also becomes more valuable. Not only because of the rising prices of houses, but also because you are buying more and more beautiful things for your home. A new expensive sofa or art. However, what many people often do not think about is insuring these things. Do you have insurance for your contents or for your home? It is also good to look at this periodically!
Below you will find a non-exhaustive list of the most important insurance policies for your home!
Liability insurance
You may be thinking, what does liability have to do with my house? But keep in mind that liability insurance is one of the most important types of insurance. Because what if the tree in your garden falls on the neighbor’s roof? Or if your child knocks over something at the neighbors or you cause an accident. This can have major consequences. You may be confronted with a high claim burden, especially if the personal injury victim is injured. You will then have to deal with a personal injury lawyer who, in addition to material damage, will also demand compensation. (Dutch: smartengeld) from you.
To avoid having to deal with a personal injury lawyer from Rotterdam (Dutch: letselschade advocaat Rotterdam) in the event of an accident there, it is a good idea to take out proper liability insurance. Good liability insurance can prevent a lot of financial malaise. The premiums are generally not high at all. Get good advice and make sure that the liability insurance covers all damage and damage caused by everyone in your household. It can save you and your family a lot of trouble.
Home contents insurance
Have you ever calculated what your home contents are actually worth? Probably not! But make no mistake, your belongings could be worth a lot. If a fire breaks out in your house or you are the victim of a burglary, you will lose all or part of your belongings in one fell swoop. You then need money to buy new things. But without proper home contents insurance, this can be very difficult! Therefore, make sure that you properly insure your belongings.
What is important is that the value of your belongings continues to increase over the years. Because you keep buying more things over time. We also buy more and more expensive things. Not only because we want to buy more and more luxurious things, but also because of inflation. That is why it is important that you have the value of your belongings periodically appraised by an expert. If you do not do this and you suffer damage, you may not be reimbursed for the total value of your home contents. You will then be underinsured and part of the damage will be at your own expense. So make sure that this situation does not arise and have the value of your home contents periodically assessed by an expert.
The home insurance
Not only the contents need to be properly insured, your house itself can also sustain damage, for example due to fire or a storm. This damage can be enormous, especially if your house is completely destroyed by a fire.
Insuring the value of your home through, among other things, building insurance is very important. This way you ensure that your house can be rebuilt in the event of a fire. But repairing minor damage to the house usually costs a lot of money. Building insurance is also very important for this.
It is important to get good advice about insurance for your home. In addition, having a house rebuilt has become increasingly expensive over the years. Here too, just like with home contents insurance, there may be under-insurance. So have your home properly insured and reassessed periodically.
Insurance is therefore very important; it can prevent a lot of suffering.
