Home contents insurance for rented rooms

By this we mean that you’re living in one or more rooms in a building you share with other people. This could be a room in a student house or in a residential care complex, for example, for which you pay rent. If you share a kitchen, bathroom or other facilities with other residents, each individual must insure their own belongings in these rooms.

Please note: you’re not insured if belongings are stolen from communal areas. Belongings stolen from your own room are only insured if there are visible signs of a break-in on the outside of your room.

You can simply keep your Student home contents insurance policy.

We have compiled a summary of the differences between Student home contents insurance and our regular home contents insurance for rented rooms, so that you can decide for yourself which insurance is right for you.

If you want to know what the difference in premiums is, go to your personal environment in ABN AMRO Verzekeringen, find the cover details for your Student home contents insurance and select standard cover instead of student cover. This is a no-strings-attached way of finding out how your choice affects your premium. You’ll find more information about these steps here.

If our regular home contents insurance for rented rooms suits you better, go to your personal environment in ABN AMRO Verzekeringen, find the cover details for your Student home contents insurance and select standard cover instead of student cover. You can also select additional cover options here if you wish. You’ll find more information about these steps here.

PLEASE NOTE: You will no longer qualify for Student home contents insurance once you’ve converted it to regular home contents insurance.

If you spend time abroad, the belongings in your room at the insured address in the Netherlands are covered for four months. Once the four months have elapsed, your belongings are only insured against fire, explosion, storm, lightning, a falling aeroplane or spacecraft, or a space object. The four-month period starts as soon as your room is unoccupied. You do not need to inform us of this.

You may rent out your room temporarily for a period of 60 nights per year (not necessarily consecutive). Your belongings are still insured in line with the basic cover while your room is rented out. Damage caused by theft and/or vandalism on the part of a tenant is not covered. Theft and/or vandalism caused by someone other than the tenant is only covered if the room shows visible signs of a break-in. Please note: only your own belongings are insured, not the belongings of the person temporarily living in your room.