Jewelry, watches, artwork, musical instruments, or a high-end camera — some belongings have not just financial value, but also emotional worth. A valuables insurance policy ensures you’re properly protected against damage or loss, even when your items are outside your home. That way, you can carry or use your valuables with confidence — whether at home or on the go.
Valuables Insurance
Is valuables insurance the same as contents insurance?
No, there’s a key difference:
- A contents insurance policy covers items inside your home, but typically with a limited maximum for valuable items.
- A valuables insurance policy provides broader coverage for high-value belongings — often with worldwide protection, including outside your home.
If you own expensive items that you regularly wear, use, or take with you, this insurance is a smart addition to your contents policy.
What’s the maximum coverage amount for valuables insurance?
Coverage limits vary by insurer and policy. You can usually choose between:
- A total insured amount (e.g., €5,000, €10,000 or more), or
- A specified amount per item (e.g., a €3,500 watch)
For very valuable items (such as jewelry worth over €6,000 or high-value artwork), a valuation report or proof of purchase may be required.
We’ll help you determine the right insured value based on the actual worth of your belongings.
Do I need a safe for valuables insurance?
In most cases, a safe is not mandatory — but it is highly recommended if:
- You’re insuring high-value items
- Your home lacks secure locks
- You’re insuring cash or loose gemstones
Some insurers do require specific security measures for coverage amounts over €10,000. We’ll advise you on what’s necessary, without unnecessary investments.
What does valuables insurance typically cover?
This policy offers broader coverage than standard contents insurance and usually includes:
✅ Theft or loss (even outside the home)
✅ Accidental damage (e.g., drops or bumps)
✅ Fire, smoke, or water damage
✅ Damage during travel or transport
✅ Worldwide protection (depending on the policy)
Some situations, such as loss without clear cause or intentional damage, may be excluded.
Are valuables covered outside the home?
Yes, that’s one of the main benefits of valuables insurance. You’re often worldwide covered, for example when:
- Wearing a watch during work or travel
- Bringing an expensive camera on vacation
- Transporting musical instruments to a performance
- Wearing jewelry to an event
The exact terms differ per insurer — we’ll help you choose a policy with the right coverage and conditions.
Why Choose Insurance Through De Financiële Alliantie?
At De Financiële Alliantie, we look beyond just the lowest premium. We compare the top insurers in the Netherlands based on:
- Premiums
- Policy Conditions
- Customer Satisfaction
- Claims Handling
This way, you can be sure you’re not only getting an affordable deal, but also the right coverage. Want to find out which insurance suits you best? Request a free comparison or schedule a no-obligation consultation.
