If your stuff gets damaged or stolen
We cover stuff that you own, that’s normally kept at your home, and that was damaged or lost by things such as a fire, a burst pipe, burglary, or robbery.
We don’t cover stuff that belongs to your business or items you willingly handed over to someone else to look after.
This policy covers your stuff, up to a limit of € 20.000 per event,
for damages caused by fire, lightning, smoke, explosion, burglary, robbery, vandalism, looting, windstorm, hail, local heavy rainfall, collisions to your home by vehicles or aircraft, falling objects from outside (e.g. trees, cranes), and glass shards. We also cover your stuff against water damage caused by burst or blocked pipes, leaking appliances connected to water pipes, or leaking waterbeds and aquariums.
Your stuff is also covered against theft, as long as you have taken reasonable care to protect it.
So if your mobile phone or your bicycle gets stolen while outside your home, you’re covered.
Just remember to not leave your phone unattended, not to leave your bag visible inside your car, and to lock up your bicycle with an ART-approved lock (category 2 stars or better), otherwise they won’t be covered.
Road bikes and ATBs also must be locked in an enclosed space or to a fixed object (e.g. bicycle rack, lamppost).
Your stuff is also covered against other damage that is sudden and unexpected, even if you caused it yourself.
For example, if you accidentally spill coffee on your rug, or knock over your new TV, this would be covered.
But this does not extend to mobile electronics (smartphones, laptops, or tablets), which are only covered
against fire, lightning, smoke, explosion, theft, burglary, robbery, vandalism, looting, windstorm, hail, local heavy rainfall, collisions to your home by vehicles or aircraft, falling objects from outside (e.g. trees, cranes), glass shards and water damage
caused by burst or blocked pipes, leaking appliances connected to water pipes, or leaking waterbeds and aquariums.
We cover the food in your refrigerator and freezer, if it has gone bad due to a power outage.
You’re also protected if your house keys are stolen. If this happens, we’ll cover the necessary costs to replace the locks or keys.
We also cover reasonable and necessary costs arising from covered damages, to protect your stuff (e.g. experts and counter experts to assess the damage, to clean-up, to move your stuff during repairs, to transport your stuff into temporary storage or to a new address, to replace the locks, to provide temporary security). If the total damages exceed the coverage amount you selected, we’ll provide an extra 10% to cover these additional costs.