Prepare for fire damage with home contents and buildings insurance

Are the contents and buildings insurance policies for fire?

Damage to your belongings caused by fire, smoke, or even firefighting water is often covered by home contents and buildings insurance (formerly known collectively as fire insurance). The only difference is the type of insurance that provides the coverage.

What does contents insurance cover?

All fire damage to loose items in your business premises is covered by contents insurance. This includes damage to your furniture, crockery, cabinets, and shop inventory.

What does building insurance cover?

Building insurance, on the other hand, covers the costs of damage to your business premises themselves. In the event of a fire, this includes damage to the walls and roof, such as smoke damage.

Is fire insurance mandatory?

You are not required to have fire insurance, but in practice it is very important to have it. You need this type of insurance if, for example:  

• a landlord sets certain requirements in a lease agreement or;
• A mortgage lender requires you to take out this type of insurance.

In addition, with this type of insurance, you don't have to constantly worry about the question "what if something goes wrong with my property?" Damage is always unexpected and can have a major impact on your business operations. Your laptop with customer data, inventory, tools, or your entire workplace could be lost in one fell swoop. Without insurance, this often means that you have to bear the costs yourself. Contents and building insurance helps you protect your possessions against risks such as fire, smoke, or water damage. This prevents you from suddenly being faced with high costs.

Need help choosing the right coverage?

Would you like to insure yourself against fire risks, or are you unsure whether you are already insured for this? At Schouten Zekerheid , we Schouten Zekerheid happy Schouten Zekerheid you. Please contact us, and we will look into it with you.