Optimal Rental Property Protection: Essential Insurances for Renters

At Van Loon, we understand that renting a house offers many advantages, such as flexibility and less maintenance responsibility. But we also know that it is very important for tenants to adequately protect themselves and their assets. In this guide, we explore the five essential insurances renters should consider to get peace of mind and prepare for unforeseen events.

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1. Household insurance: Protection for your personal belongings

At Van Loon, we recommend taking out household insurance. This insurance covers damage to your personal belongings in the rented home, such as furniture, electronics, clothing, and appliances. It offers protection against risks such as theft, fire, water damage and vandalism.

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2. Tenant interest: if you have made changes to your rental property yourself

When making improvements to a rented home, tenant interest insurance offers financial protection. This insurance covers damage to your adjustments, such as in the event of a fire or burglary. Taking out this insurance ensures that you can cover the costs of repairing or replacing your own investments, as landlords usually do not reimburse these costs.

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3. Liability Insurance (AVP): Protection in the event of accidental damage

Liability insurance is essential for renters. It covers costs if you accidentally cause damage to someone else's rented home or property. Consider, for example, the unintentional breakage of a water pipe, causing water damage in the house. With liability insurance, you are financially protected.

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4. Legal expenses insurance: Legal support in case of disputes

Although it is not specific insurance for renters, legal expenses insurance can still be valuable. It offers legal assistance and legal fee coverage if you get into a dispute with your host. At Van Loon, we recommend considering this option to protect yourself.

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5. Glass insurance: Protection against broken glass

Glass insurance is an important consideration for renters. It covers the costs of replacing broken glass, such as windows and mirrors, due to unforeseen events. Make sure that this coverage is already included in your rental contract. If not, we recommend taking out separate glass insurance.

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6. Flood insurance: Protection in high-risk areas

Do you live in an area that is prone to flooding? Then it is wise to take out separate flood insurance. Standard household insurance usually does not cover damage caused by floods. Protect yourself and your belongings with the right insurance.

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Protect yourself and your belongings while renting a home. Make an appointment with one of our advisors today to choose the right insurances that suit your situation and needs. At Van Loon, we are here to help you enjoy your rental home with peace of mind. Contact us now and let us advise you!

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