Home Insurance
Have you recently bought a house, congratulations! Or do you own a home? Then home insurance is often useful and sometimes mandatory to apply for, depending on the type of home and location. Damage from fire, storm or burglary can happen more often than you think. Fortunately, with home insurance you are well insured for this. This gives more peace of mind and a sense of security. Please feel free to contact one of our experienced advisors to discuss the options.
What is a home insurance?
Home insurance is for the construction of the home. With this, your home, shed, fence and all other structures are insured against damage. This also includes floors, pipes, roof tiles, sanitary facilities and window frames.
What does a home insurance cost?
It is not possible to mention a monthly premium. This depends on the type of home, size, location, rebuilding value etc. If you would like a calculation and comparison, please feel free to contact one of our experienced home insurance advisers.
From 1st July 2022 a smoke detector is mandatory
From the 1st July 2022, it is mandatory to install a smoke detector on every residential floor. In the event of a fire, most victims are often caused by smoke inhalation. When you sleep, you don't smell anything and you don't immediately wake up from the smoke smell. The sound of the smoke detector warns you of this.
Home content insurance
Do you want to keep your belongings safe and insured against damage and theft? That would be completely understandable and you are not the only one.With a good home content insurance, you can keep your belongings safe at home. An accident happens way more often than we think. Get in touch with us to discuss your options.
Frequently Asked Questions about Insurance in the Netherlands
What types of insurance are available in the Netherlands?
The most common types are health insurance (mandatory), car insurance (mandatory for vehicle owners), home insurance (building and/or contents), liability insurance, travel insurance, life insurance, legal expenses insurance, funeral insurance, and pet insurance. Some are required by law, others are optional but widely recommended.
Which insurances are mandatory?
Everyone living or working in the Netherlands must have basic health insurance. Car owners must have at least third-party liability insurance. For homeowners with a mortgage, building insurance is usually required by the lender, though not by law.
What is basic health insurance and what does it cover?
Basic health insurance (basisverzekering) covers general practitioner visits, hospital care, specialist care, prescription medication, maternity care, and some medical equipment. You can add supplementary insurance for things like dental care or physiotherapy.
What is liability insurance and is it compulsory?
Personal liability insurance (aansprakelijkheidsverzekering) covers damage you accidentally cause to others or their property. It is not compulsory but highly recommended. Liability insurance for motor vehicles (WA-verzekering) is compulsory for vehicle owners.
What is home insurance and what does it include?
Home insurance typically includes building insurance (opstalverzekering) for the physical structure and contents insurance (inboedelverzekering) for your belongings. Building insurance is often required for homeowners with a mortgage; contents insurance is important for both owners and tenants.
What is the difference between building and contents insurance?
Building insurance covers the structure of your home (walls, roof, fixtures), while contents insurance covers movable items inside your home (furniture, electronics, clothing). Both can usually be combined in a single policy.
What is the deductible (eigen risico) and how does it work?
For health insurance, the deductible is a fixed amount you pay yourself each year (currently €385) before the insurer starts covering costs. Other insurances may also have a deductible, which can vary by policy.
Can expats and non-residents get insurance in the Netherlands?
Yes, expats and non-residents can take out most types of insurance. Health insurance is mandatory for anyone living or working in the Netherlands. Many insurers offer information and policies in English.
What additional insurances are common or useful?
Optional insurances include travel insurance, legal expenses insurance, life insurance, funeral insurance, pet insurance, bicycle insurance, and accident insurance. These provide extra protection depending on your lifestyle and needs.
What should I do if I need to make a claim?
Contact your insurer as soon as possible, provide all requested documentation (such as receipts or police reports), and follow their procedures. Your policy will outline what is covered and any conditions for claims.
How do I choose the right insurance policies?
Assess your personal situation (homeowner or tenant, car owner, family status), legal requirements, and risks you want to cover. Compare policies, premiums, coverage, and deductibles. Seek advice if needed, especially for complex situations.
Are there combined insurance packages?
Yes, many providers offer bundled packages (e.g., home, contents, and liability insurance) at a discount. This can simplify administration and sometimes reduce costs.
What happens if I move abroad or leave the Netherlands?
You may need to cancel or adjust your policies. For health insurance, coverage generally ends when you deregister from the Netherlands or stop working here. Always inform your insurers of your new situation.
How much do insurance premiums cost?
Premiums vary by type of insurance, coverage, value of insured items, location, and personal risk profile. For example, basic contents insurance starts at around €50–€150 per year, while building insurance averages €150–€250 per year. Health insurance premiums are set annually.
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