De Vereende Homeowners Insurance

Homeowners insurance is usually based on the replacement cost. The replacement cost is the amount needed to build a comparable new home on the same site. This replacement cost is calculated by multiplying the volume of the home (m³) by a set replacement cost per cubic meter.

People often ask whether the foundations should be included in the insurance coverage. The foundations are the parts of the building below the lowest accessible floor, on which the house is built. Foundations are not included in the definition of a residential home and must therefore be insured separately if desired. We recommend that you do so, as it can be quite costly if the foundations are damaged—for example, by an explosion.

Homeowners insurance typically includes four types of coverage, namely:

• Fire coverage. This is the most limited type of insurance.
• Comprehensive Hazard Coverage (UGV).
• The UGV+.
• Comprehensive coverage. This is the most comprehensive coverage available.

These coverages provide compensation for damage caused, for example, by fire, lightning strikes, storms (wind force 7 or higher), water damage, burglary, vandalism, and collision damage.

Homeowners insurance is generally not required. However, if you own a home with a mortgage, the bank usually requires you to have homeowners insurance.

Alpina is an insurance broker for Vereende. This means that you can purchase insurance from Vereende through us.

You can apply for home insurance online through De Vereende. We recommend using our comparison tool, which shows you the rates from major insurers. You can choose the insurer that suits you best and complete the entire application by answering all questions truthfully. There is a chance that the insurer may still be able to accept you at the standard rate. If this is not the case, we will send you a proposal from De Vereende.
Please note that your insurance policy with De Vereende cannot take effect until you have paid the first premium AND returned the signed application form. We will send you the application form via email.

De Vereende offers several types of insurance, namely:

• De Vereende Auto Insurance. This policy will always be accepted, but the premium is higher than that of a standard auto insurance policy.
• De Vereende Liability Insurance. With De Vereende's liability insurance, you're covered for damage you accidentally cause to another person or to another person's property.
• De Vereende Home Contents Insurance. This insurance covers all personal property (movable items in your home) that belong to your private household.
• De Vereende Homeowners Insurance. With this policy, you insure against damage to your home and the associated real property (items in your home that cannot be moved, i.e., those that are permanently affixed to the structure).