Mon, 28 May 2012
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A few Dutch insurance agencies specialise in serving foreign residents. Two are Overseas Insurance in Hoofddorp and Lobbes Insurance in Amsterdam.
Advisors like Sylvie Mellenbergh of Formula Two Relocations and Willem Lobbes, director of Lobbes Insurance, recommend both renters and owners take out inboedelverzekering - roughly, fire and theft insurance. It covers furniture and other possessions in the house in case of damage not caused by the owner, and can be tailored to cover various items. "For expensive equipment like PCs and cameras you can get extra insurance," Mellenbergh says.
She also suggests glasverzekering, or glass insurance, since landlords usually don't cover broken windows.
She also suggests glasverzekering, or glass insurance, since landlords usually don't cover broken windows.
Insuring the contents of a house ranges from NLG 2.60 to 3.50 annually per NLG 1,000 of value, depending on what's covered and where the house is. Insurance, like most things, costs more in the cities than it does in the countryside.
When you apply for a mortgage to buy a house, the lender is likely to request you get opstalverzekering, or building insurance, and turn you down if you don't, says Lobbes. Protecting a house from disaster varies between NLG 0.50 and 1.10 a year per thousand of "reconstruction value" as assessed by a real estate broker.
You can arrange to insure your house's pile foundation, which can be staggeringly expensive to replace. But taking out flood insurance is less easy; it's an obvious risk that insurers in a country below sea level are unwilling to take on.
"There's a government disaster fund for things like that, but it never covers the full amount," Lobbes says. His company places policies with Lloyd's of London, which does cover flooding.
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Thanks you for giving the information about the house loan really it are very useful for the people who were decide to buy the home in the loan basis.
=====================================================
aslinsibel
[url=http://foreclosures.gov-auctions.org]Foreclosed Homes[/url]
Great information you got here. I've been reading about this topic for one week now for my papers in school and thank God I found it here in your blog. I had a great time reading this.
http://www.onlinemedicalstore.net
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A guide to telephone, internet and television along with utility services water, electricity and gas in the Netherlands.
Lost in the Dutch immigration system? Look no further than this guide compiled for our Survival Guide 2012.
Expatica offers a whistle-stop tour of life in the modern Netherlands.
The challenges and benefits of the maternity system in the Netherlands and how it differs to other countries.
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