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    Hausratversicherung als Eigentümer – zu hoch?


    Hallo r/Belgienhabe ich neben einer Reihe anderer Optionen auch meine Hausratversicherung bei Belfius abgeschlossen. Ich bin Eigentümer eines Eckhauses mit 3 Etagen. Im Vergleich mit einigen Kollegen erscheint mir dieser Gesamtbetrag pro Jahr recht hoch. Was denken Sie? Werde ich betrogen?

    https://i.redd.it/g1ya7j1bs5nd1.jpeg

    Von tendu

    View 16 Comments

    16 Comments

    1. Murmurmira on

      What is home assistance and media? Sounds like useless extras. Also you have 2 times rechtbijstand. Also personally i found diefstal useless

    2. arrayofemotions on

      I’m also with Belfius, mine is almost 100€ cheaper. But I know there’s some stuff I opted out of, like garden insurance, who the fuck needs that?

    4. issy_haatin on

      Talk to your bank.

      Talk to another insurance company and show the bank that offer

      It’s how I got my full omnium on my car reduced by a lot.

      They prefer to keep receiving your money.

      My house insurance for 2 floors / 2.5 bathroom / 5 bedrooms is 1.3k or so, including solar / saunakot / fire / theft, with 300 as franchise ( oop pay if shit hits the fan )

    7. nslenders on

      I pay roughly 720+90 per year for a similar coverage at baloise. so not THAT weird. only got the bill yesterday.

    8. jhonnybravo2018 on

      Don’t forget that you have two insurances in one on this offer: family and fire insurance. Keep that in mind when comparing prices with others.

    10. Nightthinker_BE on

      Goh, mij lijkt dit te kloppen … of ik heb een verkeerd beeld door mijn eigen verzekering, dat kan ook 😆 ik betaal 908 euro bij KBC voor halfopen bebouwing met gelijkvloers, bovenverdieping en zolder + tuin. Mijn familiale verzekering is nog eens +/- 100 euro per jaar voor 2 personen .. wie dit leest en denkt dat ik geript word, please let me know waar ik goedkoper terecht kan 🤞

    11. macpoedel on

      Without going in too much detail, that’s €250 more than what I paid in 2023, for a detached house (fire, legal assistance and familiale).

      My dad’s an insurance broker, so I’m sticking with him until he retires but I do get good rates.

    12. xxiii1800 on

      Alles dpeends on your house. Semi open/ solar panels etcs.. hard to say you’re being ripped off. Also the familiale and rechtsbijstand are normally separate or does is just include on house issues?

    13. Ironwolf44 on

      Get as many offers as you can. They lowered their first offer by 250! Because KBC had a much better rate. (This includes +15% offfor having 3 insuramcea at Belf.) DONT TAKE THEIR FIRST OFFER

    14. Scooby-_-420-_- on

      Letterlijk een maandje huur stop me zagen wa moete de huurders tegenwoordig wel nie zeggen van de prijzen

    15. Ordinary-Violinist-9 on

      Mine is 54€ @ dvv. And i’m covered for 85.000€ for items outside of the reconstruction of my house. That’s also fully included.

    16. ImApigeon on

      Don’t go for Belfius. I’ve had a water leak and it took them 9 (!) months to send an expert to take a look at the damages even after my repeated calls and e-mails. Then I had storm damage which they promptly denied paying for. After I succesfully fought that decision, they decided to throw me off the insurance.

      Mind you, I was a Belfius customer for 25 years and a Belfius Insurance customer with 0 claims for 5 years prior to this.

      I’m with a broker now which means I at least have a physical person to talk to instead of that stupid chatbot. Furthermore, I pay 200€ / year less for a better coverage…

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