De Vereende building insurance

The building insurance is usually determined on the basis of the reinstatement value. The reinstatement value is the amount that is necessary to build a comparable new house at the same location. The reinstatement value is calculated by multiplying the volume of the house (m³) by the reinstatement value per cubic metre.

It is often asked whether the foundations should be included in the insurance. The foundations are the parts of the building under the lowest floor that the house is built on. Foundations do not fall under the concept of a house and should therefore be insured separately if desired. We recommend that you do so because it is a considerable cost item if the foundations are damaged, for example by an explosion.

The building insurance usually includes 4 types of coverage, namely:

• Fire cover. This is the most limited insurance.
• Comprehensive cover (UGV).
• The UGV+.
• The all-risk cover. This is the most comprehensive cover.

This coverage pays for damage caused by fire, lightning, storm (wind force 7 or more), water damage, burglary, vandalism and collision.

In principle, building insurance is not compulsory. However, if you own a home with a mortgage, the bank generally requires buildings insurance.

Alpina is an intermediary of De Vereende. This means that with us you can take out insurance with De Vereende.

It is possible to apply online for building insurance with De Vereende. We advise you to use our comparison module where you see the results of the regular companies. You choose the company you like and complete the application by filling in all questions truthfully. There is a chance that the company can still accept you at the regular rate. Should this not be the case, we will send you a proposal for De Vereende.
Please note that an insurance with De Vereende can only take effect after you have paid the first premium AND after you have returned the signed application form. You will receive the application form from us by e-mail.

There are different types of insurance offered by De Vereende, namely:

• De Vereende car insurance. This insurance will always be accepted, but the premium is higher than for a regular car insurance.
• De Vereende Liability Insurance With De Vereende's liability insurance you are insured against damage you accidentally cause to another person or another person's property.
• De Vereende contents insurance. This insurance covers all moveable property (items in the house that can be moved) that belongs to your private household.
• De Vereende building insurance. With this insurance you insure damage to your house and the immovable goods belonging to it (goods in the house that cannot be moved, i.e. are earth- and nailproof).