Renting a house or room
You will need these insurances
How wonderful that you are going to rent a house or room!
Moving to a rented house or room is a lot of fun, but there is also a lot involved. The walls might need a new colour and you can pick out new furniture. To also be well insured in your new home, here are the insurances that are important when renting a house or room.
See what insurances you need for your house
No compulsory insurance
With a rental property, you are not required to take out insurance. However, it is recommended to take out home contents and liability insurance.
Important insurances
- Liability insurance
Liability insurance is not compulsory, but it is very important. Liability insurance provides cover for you and your family members for damage to others and their belongings. For example, because you have damaged something belonging to someone else. Or because someone suffers personal injury because of you.
- Home contents insurance
Replacing your furniture and belongings after theft, fire or storm is often more expensive than you think. Home contents insurance provides a payout for repairs or replacement in such cases.
Check whether your housing association has insured the windows in your home. If they haven’t, you can include the windows in your insurance with us.
Useful insurances
- Legal expenses insurance
Many people do not think about legal expenses insurance when renting a house. Nevertheless, it can be useful to take out legal expenses insurance with the Consumer and Living module if you rent a house. This way, you are insured against a conflict with, for example, the landlord of your house over an (unjustified) rent increase. It is important that you have already taken out this insurance before a conflict arises.
When do I need to take out my insurances?
It is important that you have taken out the insurance policies listed below on the date your lease takes effect:
You can often take out these insurance policies earlier. You can choose the effective date of the insurance policies yourself.
Working from home and insurance
Working from home is covered, provided the risk of damage does not increase. If you or your family member use your home or outbuilding for business purposes, this prevents you taking out home insurance in certain cases. For example, if you have a practice space at home, such as a beauty salon. Or if you receive clients at home. Does this apply to you? In some cases, you can take out business insurance for this.
Moving house and your insurance
Have you found a new home and are about to move? How exciting! To make sure you are well insured in your new home, we have listed 3 quick checks for all your insurance needs. For example, did you know that where you live affects your car insurance premium?
Frequently asked questions
Are my belongings also insured during my move?
If you’re moving house and still living in your old home, your possessions are insured at both properties for as long as the move takes. Once you’ve started living in your new home or room, please remember to update your address with us within 14 days.
When do I need to change my address?
Do you have a home contents insurance or home insurance? Then it is important that you change the address for these insurances within 14 days of moving.
If you are moving house, you will need a new home insurance. It is important that this insurance is active at the time you signed the purchase agreement. Remember to cancel your current home insurance, if you have one.
Can I temporarily insure my belongings at 2 addresses?
Yes, this is possible. Your old and new homes are both covered under your current home contents insurance as standard for as long as the move takes.
If one of your homes is empty for longer than 4 months, please get in touch with us.
Are my possessions also insured if I store them somewhere else during the move?
If you store possessions at a family member’s or friend’s house or in a storage facility, you have limited cover up to €5,000 per event. This cover can’t be increased.