Fire insurance is covered at Baloise by Michiel (as he is both owner and tenant), as well as insurance for household effects at a value of just over EUR 100k. For the tenants, this covers:
Theft (EUR 194.76)
Loss of property in case of fire or water damage (EUR 235.52)
Unvoluntary damage to the house caused by tenants ("afstand van verhaal", 15% of premium) (EUR 170)
The cost is partially paid by the tenants, as clearly they also benefit from this insurance. For 2023, this amounts to roughly EUR 600 per year, i.e. 6.25 euros per person per month. This amount is updated yearly according to the health index. This amount should be paid before May 1st of each year, and covers the period from June 18 year X to June 18 year X+1.
Note: in order to make sure your personal property is covered, photograph and catalogue your most precious items.
If you have access to the Drive, you may find the details in the document below.