Centraal Beheer Contents Insurance
Centraal Beheer is a significant insurer that is part of the Achmea Group and has been active in the insurance market for a long time. It is a comprehensive insurer, and you can take out all kinds of insurance with Centraal Beheer, including health insurance, travel insurance, and liability insurance. On this page, you can read more about Centraal Beheer’s home contents insurance, especially for students. This home contents insurance is aimed at room occupancy, allowing you to insure all the belongings in your student room.
Home Contents Insurance Premium from Centraal Beheer
When determining the premium for home contents insurance, Centraal Beheer considers the type of home and its condition. For example, when taking out the insurance, you must provide several details, such as your date of birth, family composition, postcode, and address. Based on this, the details of your home are retrieved from their database. Additionally, you must provide the type of home (flat, semi-detached, etc.), the kind of roof your home has, and whether you share your home with others. Your premium is calculated based on this information.
Below, you will find the starting premiums that Centraal Beheer offers, based on the details of a 20-year-old student in Utrecht. The premium may, therefore, be different for you, depending on your personal situation. In addition to home contents insurance, the table also shows the premiums for other home insurance policies and additional coverage from Centraal Beheer. You will find more information about this later in this article.
Type of Insurance | Premium |
---|---|
Basic Home Contents Insurance | From €2.86 per month |
All-Risk Home Contents Insurance | From €4.73 extra per month |
Outside the Home Insurance | From €6.23 extra per month |
Centraal Beheer Home Contents Insurance Coverage
With Centraal Beheer home contents insurance, you get coverage for your belongings. This coverage applies to all items in your home that need to be replaced due to theft or damage. All causes are covered, provided you could not have prevented the damage yourself, for example, through maintenance. The following items are insured:
- Damage due to fire, burglary, theft, storm, and precipitation;
- Movable items in the home and shed up to €200,000 in total;
- Improvements to the rental property, such as a kitchen or floor that you have purchased;
- Items borrowed from someone else;
- Damage due to flooding of a secondary water barrier.
The coverage includes all movable items, such as furniture, appliances, clothing, carpeting, etc. The table below provides an overview of essential conditions:
Type of Home Contents | Insured Amount |
---|---|
Home Contents | Insured up to max. €200,000 |
Home Contents Prone to Theft | Items like mobile phones, laptops, and music equipment are insured up to €35,000 per event in the event of theft. |
Jewelry | Maximum €5,000 |
Money and Securities | Maximum €1,250 |
Additional Options
In addition to home contents insurance, you can also take out the following additional coverages to protect your home contents even better:
Type of Insurance | Coverage Details |
---|---|
All-Risk Coverage | If you want to cover damage you accidentally cause yourself, you can add the all-risk coverage to your home contents insurance. This can only be taken out with the basic home contents insurance. |
Valuables Outside the Home Insurance | This extra option covers your valuables outside the home. This insurance can only be taken out together with the home contents insurance. |
Liability Insurance | If someone is accidentally injured by your actions or you accidentally damage someone else’s belongings, the liability insurance offers coverage up to an insured amount of €1,250,000 or €2,500,000. |
Legal Expenses Insurance | Reimbursement of legal advice and assistance, for example, in the event of a conflict regarding your home or the purchase of household effects. |
New Value Payment
Please note that the new-for-old price of items is not always covered. If repair is possible, the entire repair will be reimbursed. You will be refunded the new value when your items are still worth 40% or more of the new value. If the value has dropped below 40%, you will be reimbursed the current value.
Deductible
With Centraal Beheer home contents insurance, the deductible is optional. You will pay a slightly higher premium if you prefer not to have a deductible. You can set the deductible at:
- €0
- €100
- €200
What Is Not Insured?
There are some exceptions to the insurance coverage. If the damage occurs in the following situations, you will not receive a payment:
- In the event of serious negligence contributing to the damage;
- Damage due to everyday use, such as a scratch, dent, or stain;
- Poor maintenance or a construction error;
- Fraud and abuse by yourself or another insured person;
- Damage to electrical equipment due to a short circuit;
- Damage due to flooding of a primary water barrier.