Allianz Direct Contents Insurance

Allianz Direct Home Contents Insurance

Allianz Direct is one of the prominent insurers in the international market and has been active in the Netherlands since 2003. Allianz Direct offers various insurance products, including home contents insurance. This insurance protects both homeowners and tenants against damage to their homes and possessions due to fire, theft, or other events. On this page, you will find more information about Allianz Direct’s home contents insurance.

Coverage of the Allianz Direct Home Contents Insurance

Taking out home contents insurance is optional but can prevent you from facing high unexpected costs. With the home contents insurance from Allianz Direct, you can insure the valuables in your home against damage resulting from various causes. Damage can be caused by fire, lightning, precipitation, storms, leakage, and theft. The insurer ensures that you receive assistance in repairing the damage. The following items are insured:

This is insured This is not insured
Items attached to the house Satellite dishes and antennas that belong to a central antenna system
(Electric) bicycles, mopeds, scooters, and lawnmowers without a license plate Other vehicles with an engine, caravans, and trailers
Canoes, inflatable boats, sailboards
Small pets such as dogs, cats, and rabbits up to a maximum of €2,000
Improvements that you have made to your house up to a maximum of €15,000
Items present in your house for work, profession, or business up to a maximum of €2,000 Business items that you have purchased with the aim of selling them or that are owned by a company
Audio and computer equipment up to €15,000
Replacement locks up to a maximum of €1,000
Items of your child who is away from home for a study day (up to €5,000 per child; mobile and computer equipment together up to €1,000) Jewelry, money, debit cards, expensive branded items, art, musical instruments, and items in shared spaces

Allianz Direct Home Contents Insurance Premium

The premium for home contents insurance depends on various factors. For example, the postcode area in which your house is located has an influence, as does your age. In addition, the amount of the deductible plays a role; a higher deductible leads to a lower premium. On the Allianz Direct website, you can calculate the premium amount for your home contents insurance. You can also choose to add additional coverage to your insurance.

Deductible

The home contents insurance from Allianz Direct does not have a standard deductible. You can choose whether to take out the insurance with a deductible. The deductible is the amount that you pay yourself in the event of damage. After paying the deductible, the insurance covers the remaining costs. At Allianz Direct, you can choose a deductible ranging from €0 to €1,000. The higher the deductible, the lower the monthly premium.

Insured Events

With the home contents insurance from Allianz Direct, you are insured for various events. The event must be sudden and unforeseen and come from outside. You are also insured if the event is the result of an inherent defect, meaning the damage was caused by wear and tear or poor quality of the product itself. The insured events are listed in the table below.

Insured Event Not Insured
Fire Short circuit or burnout of electrical equipment or motors; overheating, burnout, or breakthrough of an oven or boiler; fire in a stove
Burglary and vandalism
Water and electricity Moisture and water leaking through joints; poor ventilation or condensation; water or steam leaking from the filling hose of a central heating system or other devices; water leaking from garden hoses; frost on swimming pools, ponds, and groundwater pumps
Nature (storm, lightning strike, volcanic eruption) Peak and overvoltage due to power failure and restoration
Rain, hail, snow Moisture and water entering your home through walls, floors, or the chimney; damage to your belongings if your home is between the water and the dike
Falling and colliding objects Damage to objects that fall or collide with the house and the removal or cleanup of these objects
Oil (from a heating system or associated pipes and tanks)

Additional Coverage

At Allianz Direct, you can choose to expand your home contents insurance with additional coverage. Allianz offers two different types of additional coverage: All-Risk Home Contents Insurance and Glass Insurance.

All-Risk Home Contents Insurance

With the All-Risk coverage, you are insured for all other unforeseen events in addition to all events that fall under the regular coverage. With this additional coverage, you are also insured for damage that you or someone in your family accidentally causes.

Glass Insurance

With Glass Insurance, you are insured for damage to the glass in your home and in the garages, sheds, and outbuildings that belong to the house. You are insured if something sudden and unforeseen happens that causes the glass to break. If you own the house, the building insurance usually covers the glass. If you rent the house, you must insure the glass yourself if the owner or the homeowners’ association does not arrange this.