Home Insurance

What types of insurance fall under home insurance?

A home insurance policy typically consists of two complementary insurances:

• Building insurance (opstalverzekering): Covers damage to anything fixed to the home, such as walls, roof, kitchen, and piping.
• Household contents insurance (inboedelverzekering): Covers damage to belongings inside the home, like furniture, electronics, clothing, and jewelry.

If you own your home, building insurance is usually required by your mortgage provider. Contents insurance is not mandatory, but highly recommended.

Why should you insure your home and belongings?

It may sound obvious, but many people underestimate the financial impact of damage or loss. Fire, storms, or theft can have serious consequences. Without good insurance, you could be stuck covering all costs yourself. With home insurance, you get quick assistance and compensation to repair damages or replace items.

How often do damage claims occur?

The numbers speak for themselves:

• A home burglary occurs every 10 minutes in the Netherlands.
• There are approximately 30 reports of house fires per day.
• Thousands of households suffer water or storm damage each year.

A home insurance policy gives peace of mind: you know you’re prepared if something goes wrong.

What does home insurance cover?

Coverage depends on your choices and the policy terms, but you’re typically insured for:

✅ Fire, smoke, and water damage
✅ Storm and hail damage
✅ Theft and burglary
✅ Vandalism
✅ Damage from fallen trees or lightning
✅ Leaks or burst pipes

Additional options include glass coverage or valuables insurance.