Have you just bought a new house or are you going to live together? Then you are faced with a home insurance policy. But what exactly is a good home insurance policy? And how do you ensure that you are as optimally insured as possible? We give you a few tips!
Property and home insurance with one insurance company
There are two types of home insurance: the household and home insurance. With property insurance your belongings are covered indoors and with property insurance you insure your home yourself. You only need a home insurance if you have a house for sale. If you only have a rental house, a home insurance policy is sufficient.
This is because the household insurance serves to compensate for damage to ‘movable’ items. By both taking out the same insurance company, you often get package discount. Moreover, this way you prevent a discussion about which insurer should compensate any damage.
Good security for your home
Some insurers offer a discount when your house is properly secured. This includes good locks, outdoor lighting and smoke detectors. To do this, you can apply for the Safe Living Police Mark from the Safe Living Mark. In addition, many insurers still offer discounts when there is a BORG certificate, with which you can prove that your home is well protected against burglary. This not only saves you 10 to 20% on your premium, the risk of burglary also decreases with 95%.
Avoid double coverage
Only costs extra and does not produce anything. For example, do you live in an apartment? Then the Homeowners Association often concludes a home insurance policy. Only if you have an expensive bathroom or kitchen built in yourself and your apartment has become more valuable than the other apartments in the building, is it useful to take out a separate home insurance policy.
More expensive items at home?
Has your family grown or have you started to earn more? Then it is likely that the value of your household goods increases. It is therefore wise to check whether the cover of your home insurance is still sufficient. If not? Then you can screw up your household insurance. This may cost a few extra euros per month, but you will be reimbursed more in the event of theft or fire.
Living together: don’t pay double
Are you planning to live together? Nice! But be careful not to let both of you take out your household insurance. Then you pay unnecessarily twice for the same type of insurance. And that’s a shame. It is wise to make a comparison and choose the insurance that suits you best.
Compare your home insurance regularly
Compare your home insurance regularly. This way you choose the right coverage for the right price and you avoid overpaying. Compare home insurance