Home insurance: frequently asked questions - - Crefin & Partners

What are the benefits of home insurance?

Protection of your most valuable asset against unexpected damage
Peace of mind: knowing that your house can be rebuilt or repaired
Often mandatory with a mortgage, but also very sensible without a mortgage
Option to add all-risk coverage for extra security

At Crefin & Partners, we independently compare the best options for you.

What are the key considerations for home insurance?

Ensure your house is not underinsured (check the rebuilding value).
Storm damage often involves an excess or wind force clause.
Extensions or renovations usually must be reported.
Not all damage (such as wear and tear or intent) is covered.

Is home insurance mandatory?

For an owner-occupied home, it is often done via the mortgage, but without a mortgage, it is highly recommended.

Is storm damage always covered?

Usually from wind force 7 or 8, sometimes at your own risk.

Do I need to report my renovation?

Yes, you usually have to report an extension, addition, or solar panels.

Is my garage at another address also covered?

With many insurers, yes, up to a certain amount.

What if my house has increased in value?

In that case, it is wise to have the insured sum adjusted to prevent underinsurance.

Can I insure glass breakage separately?

Yes, that is a frequently chosen additional module.