FBTO Contents Insurance

FBTO is a comprehensive insurer that is part of the Achmea group. FBTO’s headquarters are located in the heart of Friesland, in the capital city of Leeuwarden. FBTO emphasizes freedom in its range of various insurance products: the ability to decide what you do and choose. This freedom of choice is reflected in FBTO’s insurance policies. You can turn to FBTO for, among other things, health insurance, liability insurance, or home contents insurance. This page is dedicated to FBTO’s home contents insurance.

FBTO Home Contents Insurance Premium

To gain a clear understanding of your living situation and calculate the premium, FBTO requires personal information from you. In addition to your address details, FBTO needs information such as your age, type of residence, and family composition. It is also important to know whether you are a tenant or a buyer, and whether you live in the entire house or apartment or just a room. To give you an idea of the premium for home contents insurance, we used the data of a 20-year-old student from Utrecht who is moving into a room when calculating the premium.

FBTO Home Contents Insurance Coverage

FBTO’s home contents insurance provides standard coverage for all your movable items in your home, shed, and garden. You are insured against, for example, damage resulting from burglary and theft, fire, electricity, explosion, or storm.

Basic Coverage of FBTO Home Contents Insurance

FBTO’s basic home contents insurance offers a maximum compensation of €200,000 per claim. However, there are certain items for which you receive a maximum compensation per claim.

Allrisk Coverage of FBTO Home Contents Insurance

With the Allrisk module of FBTO’s home contents insurance, you are insured against almost all damage to your home contents, even if you are accidentally responsible for the damage. If you have caused the damage yourself, there is a deductible of €150. This means you have to pay the first €150 of the damage yourself.

Additional Coverages of FBTO Home Contents Insurance

In addition to the basic or Allrisk coverage of your FBTO home contents insurance, you can extend it with the following additional coverages:

FBTO New Value Payout

How is the damage paid out in FBTO’s home contents insurance? First, the damage and the possibility of repair are assessed. In such cases, you are reimbursed for the repair costs. If the damage is such that it cannot be repaired anymore, you are generally reimbursed the new value. The condition is that the items are still worth at least 40% of the new value. If that is not the case, you receive the actual value. To determine how much your items are still worth, you can refer to the depreciation table on FBTO’s website.

What is Not Insured?

Which damage cases are not covered by FBTO’s home contents insurance? Below is an overview of exclusions:

• Loss or misappropriation of your home contents;
• Damage due to insufficient or poor maintenance;
• Damage involving intent, recklessness, or gross negligence;
• Illegal activities;
• Damage caused by the government;
• Wear and tear, rot, aging, or rusting of items;
• Damage caused by ground subsidence, shifting, or sinking;
• Slow-acting influences, such as discoloration due to the sun or wood rot;
• Damage caused by severe conflicts or nuclear reactions.

Deductible

There is no mandatory deductible for FBTO’s home contents insurance. However, you can voluntarily choose a deductible for the basic or Allrisk home contents insurance or outside coverage. The voluntary deductible can be set at:

• €150
• €300

If you have taken out Allrisk home contents insurance, there is also a standard deductible of €150 for damage you have accidentally caused yourself.

FBTO Contact Information

You can contact FBTO in the following ways for questions:

Direct to FBTO