Top protection for your fitted kitchen
Comprehensively secure your valuable fitted kitchen. The fitted kitchen insurance from nextsure provides protection against damage caused by water, fire, theft, and more. Find out more now!
Comprehensive Protection
Replacement value compensation
Quick regulation
What is fitted kitchen insurance and why is it important?
Covers specific risks for kitchens.
Supplements home contents and building insurance.
Protects one of the most expensive investments in the household.
Provides financial security in the event of major damage.
What types of damage are typically covered by kitchen insurance?
A fitted kitchen insurance provides specialised protection that often goes beyond the standard benefits of a home contents insurance. Typically, damage from fire, lightning, explosion, implosion, and tap water is covered. Storm and hail damage may also be included. An important aspect is the protection of electrical appliances in the kitchen, for example, in the event of surge damage from thunderstorms. Many policies also include theft of fixed kitchen components or vandalism after a break-in. Be sure to check the exact scope of coverage of your chosen policy to ensure optimal protection for your fitted kitchen. nextsure helps you find the right cover.
Our Services
Everything for your kitchen safety
Water damage
Protection against damage from tap water, burst pipes, and flooding.
Fire damage
Protection against fire, lightning, explosion, and implosion.
Theft
Insurance coverage for burglary and vandalism.
Surge
Protection for electronic devices from damage caused by thunderstorms.
Operational error
Optional protection against self-inflicted damage due to improper operation.
Ceramic hob
Special protection for your ceramic or induction hob.
Induction
Inclusive protection for modern induction technology and electronics.
New Value Insurance
Replacement at new value ensures an equivalent substitute for your kitchen.
Quick Help
Straightforward and prompt claims handling in the event of an emergency.
Optimal protection, straightforward service – nextsure makes it possible.
Your kitchen.
Your protection.
Distinction from Household and Home Insurance: When is a Separate Kitchen Insurance Sensible?
Home contents insurance generally covers movable furnishings, which can include non-fixed kitchen components or portable kitchen appliances. Fixed built-in kitchens, especially when they are an essential part of the building, often fall under the homeowner’s building insurance. For tenants, the situation can be complex, as their kitchen is usually covered through home contents insurance, but specific risks or the high value of a new kitchen may require additional coverage. A separate built-in kitchen insurance is particularly sensible if your kitchen is of very high value, has special designer features, expensive appliances integrated, or if you want more comprehensive protection that goes beyond basic coverage, such as for user errors or clumsiness.
Correctly Determine the Value of Your Fitted Kitchen: Tips for the Right Insurance Amount
To avoid underinsurance, determining the correct value of your fitted kitchen is crucial. Consider the new value of all kitchen furniture (cabinets, countertops), permanently installed electrical appliances (cooker, oven, refrigerator, dishwasher, extractor hood) as well as the sink and fixtures. Keep purchase receipts and invoices carefully. For very high-quality or custom-made kitchens, it may be advisable to obtain a valuation report. Remember to take into account subsequent installations or modernisations that have increased the value. A realistic insurance sum ensures that in the event of damage, you receive appropriate compensation to restore or replace your kitchen equivalently.
Replacement Value vs. Current Value Compensation: What Does This Mean for Your Fitted Kitchen?
The difference between replacement value compensation and actual cash value compensation is significant in the event of damage. Replacement value compensation means the insurance covers the costs for the replacement or repair of the damaged kitchen parts at the current new price. In other words, you receive the amount you would spend on an equivalent new kitchen or new appliances. Actual cash value compensation, on the other hand, takes into account the age, wear, and condition of the damaged item. The actual cash value is the replacement value minus a deduction for these factors, and is therefore usually considerably lower than the replacement value. For a fitted kitchen, insurance with replacement value compensation is highly recommended, as it ensures the best possible financial compensation in the event of damage.
Important Criteria When Comparing Built-in Kitchen Insurance Tariffs
When comparing different policies for a fitted kitchen insurance, you should pay attention to several key points. Examine the scope of cover carefully: What damages are covered (fire, water, theft, overvoltage, user error)? Is a new-for-old replacement guaranteed? Are there exclusions or excesses? Compare the amount of the insurance sum and whether it matches the actual value of your kitchen. Pay attention to clauses on gross negligence – many modern policies waive objections of gross negligence up to a certain damage level. The provider's service quality, particularly the claims handling, and the contract durations as well as cancellation periods are also important aspects for your decision.
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Damage report for your fitted kitchen insurance: Step-by-step guide
In the event of damage, swift and correct action is important. Report the damage to your insurer without delay. Document the damage comprehensively: Take photos or videos of the affected areas and items. Create a list of the damaged or destroyed parts of your fitted kitchen, including brand, model, and approximate age. Gather purchase receipts and invoices. Do not carry out repairs without prior consultation with the insurer, unless they are measures to mitigate damage (e.g., turning off the water). Fill out the insurer's claim form truthfully and completely. Cooperate with the insurer and any appointed assessors.
nextsure: Your digital partner for tailored protection of your fitted kitchen
nextsure is your modern and digital partner for specialised insurance solutions. For your valuable fitted kitchen, we offer transparent and high-performance rates that you can easily compare and conclude online. Our experts are happy to advise you to find the optimal protection for your individual needs—from safeguarding against standard risks to optional add-on modules. Benefit from our expertise in niche insurance and a fully digitalised process that saves you time and effort. We place great value on understandable contract conditions and quick, straightforward claims settlement, so that in the event of a claim, your kitchen quickly becomes the heart of your home again.
Costs and Factors: What influences the premium of your fitted kitchen insurance?
The premium for built-in kitchen insurance is determined by various factors. The key factor is the value of the kitchen being insured (insurance sum): the more expensive the kitchen, the higher the premium. The chosen extent of coverage also plays a role; policies with more comprehensive coverages or additional components (e.g., protection against user errors) tend to be more expensive. The amount of any agreed deductible also influences the premium – a higher deductible often leads to a lower premium. The place of residence and the associated risk assessment (e.g., risk of burglary or flooding) can also be included in the calculation. Compare offers carefully to achieve the best value for money in protecting your built-in kitchen.
Isn't my fitted kitchen already covered by the household insurance?
In addition to a specific fitted kitchen insurance, comprehensive protection for your home is crucial. Contents insurance protects your belongings against hazards such as fire, water damage, storm, hail, and burglary. For homeowners, building insurance is essential to protect the structure itself against similar risks. Personal liability insurance is fundamental as it covers damages you cause to other people or their property. Depending on your individual situation, additional coverage such as glass insurance (for windows, shower cabins), electronics insurance for high-value devices, or elemental damage insurance (protection against flooding, earthquakes, etc.) can be sensible additions to fully safeguard your home and assets.
