Contents insurance: frequently asked questions - - Crefin & Partners

What are the benefits of good contents insurance?

Financial protection against theft or damage to your belongings
All-risk option for accidents at home
Often worldwide coverage for items taken with you
Peace of mind: you don't have to bear the costs yourself

Our insurance advisor ensures suitable coverage without unnecessary costs.

What are the key considerations for contents insurance?

Watch out for underinsurance: the insured sum must match the value of your belongings.
Theft from a car or shed is often only partially covered.
Valuables such as jewelry often have a maximum reimbursement.
Deductible may apply per event

Is damage I cause myself also covered?

With all-risk coverage often yes, with basic coverage not.

Are my items in the garden also insured?

Usually up to a certain amount, sometimes with an extra module.

Are jewelry and valuables fully reimbursed?

There is often a maximum per category; additional insurance is possible.

Does the insurance also apply if I take belongings with me on vacation?

With out-of-home coverage, often yes, up to a certain amount.

Do I have to adjust my household contents value every year?

It is smart to check this periodically, especially after purchases.

Can I choose a deductible?

Yes, a higher deductible usually means a lower premium.