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Home contents insurance

Why you need home contents insurance

Home contents insurance provides sound cover in most cases for damage to your household effects caused by theft, fire and storm, for example. Such as your brand new furniture. Or your bicycle in the shed.


You can easily combine your home contents insurance with home and liability insurance. They fit together perfectly, so you can be sure that you are properly insured.

Will you go for basic or all-risk?

Basic

  • Fire, lightning or explosion
  • Theft and vandalism
  • Storm and rainfall
  • Collision with a motor vehicle
  • Falling tree, crane or part thereof
  • Damage caused by a burst water pipe inside your home
  • Damage caused by a burst water pipe inside your neighbours’ home
  • Damage caused by a burst water pipe in the street
  • Damage caused by you, your partner or children. For example if you accidentally left the tap open. Or if you drop something, such as a vase

All-risk

  • Fire, lightning or explosion
  • Theft and vandalism
  • Storm and rainfall
  • Collision with a motor vehicle
  • Falling tree, crane or part thereof
  • Damage caused by a burst water pipe inside your home
  • Damage caused by a burst water pipe inside your neighbours’ home
  • Damage caused by a burst water pipe in the street
  • Damage caused by you, your partner or children. For example if you accidentally left the tap open. Or if you drop something, such as a vase

View our additional cover options

Mobile phone

Mobile devices

Basic and all-risk

With this cover, your mobile phone, laptop, tablet and smartwatch are all-risk insured in the Netherlands.

  • Also insured against falls, bumps or theft
  • Both inside and outside of your home
  • Up to €7,500 per incident
ABN AMRO

Additional theft cover

Basic and all-risk

Your valuable household effects extra insured with the Theft cover for valuable home contents.

  • Theft or vandalism of art, antiques and collections: insured up to €75,000
  • Theft of jewellery and watches: insured up to €10,000
ABN AMRO

Personal possessions

With allrisk

Musical instruments, jewellery and watches are insured against loss and theft outside of your home in the Netherlands.

  • Cover outside of your home
  • Up to €7,500 per incident
  • Your sports equipment is also insured
ABN AMRO

Glass cover

With allrisk

Insured against all glass damage. Even if your child breaks your window with a ball, for example.

  • Special glass types and processed glass are covered for up to €1,000
  • No excess if you only have glass damage

Apply for your home contents insurance

ABN AMRO
Tasklist
ABN AMRO

Your details

Please provide us with your address details and answer a few questions about your home. Please also provide details of the persons living at this address and your date of birth.

Select your insurance policies

In addition to home contents insurance, you can also take out home insurance and liability insurance straight away. You can also select additional cover.

Calculate your premium

After you have completed the steps, your premium will be displayed. You can then immediately log in and apply for the insurance. You decide when the insurance takes effect.

ABN AMRO

Your details

Please provide us with your address details and answer a few questions about your home. Please also provide details of the persons living at this address and your date of birth.

Tasklist

Select your insurance policies

In addition to home contents insurance, you can also take out home insurance and liability insurance straight away. You can also select additional cover.

ABN AMRO

Calculate your premium

After you have completed the steps, your premium will be displayed. You can then immediately log in and apply for the insurance. You decide when the insurance takes effect.

man looks at water damage on the ground

Damage to your household effects

Damage to your household effects caused by things like fire, storm or water is already unpleasant enough. That’s why at ABN AMRO we don’t make things more difficult for you than they already are. We help you to properly settle your claims quickly to ensure you can soon be comfortable in your home again.

More information and terms and conditions

Excess

You will only have to pay an excess in the event of: 

  • Damage from rainfall or overflowing water, such as a leaking water pipe: €220 
  • Storm damage: €220 for tenant's or owner's fixtures and fittings. For example, if you rent your house or if you have your own flat. You will have an excess in the event of damage to any improvements you have made to your home. These are improvements that you cannot take with you when you move house 

If you select all-risk cover when applying for the policy, you will have an excess of €100 for specific all-risk claims. This excess also applies to the additional all-risk cover for mobile devices and personal possessions. 

In addition, you can select a voluntary excess of €100, €250 or €500. This additional excess applies per incident. You will receive a discount on your premium, but you will also receive less compensation in the event of a claim. If you apply for home contents insurance online, you will not receive an offer for a voluntary excess. However, you can select this after the application process is complete. You will receive more information on this. Underinsurance guarantee

Underinsurance guarantee

In the Netherlands, your belongings inside your home are insured by a guarantee against underinsurance. This is irrespective of the value of your home contents at the time of the damage. For some incidents, different amounts apply: 

  • Theft or vandalism of art, collections of rare items and antiques: up to €35,000 
  • Theft of jewellery and watches: up to €7,500 
  • Mobile devices: up to €7,500 

A maximum insured amount of €150,000 per case or collection always applies. Check the policy and terms and conditions to see what maximum amounts apply for specific items and events.

Additional theft cover for valuable home contents

Do you have valuable household effects? From 1 March 2023 you can take out additional theft cover by telephone. Then these insured amounts apply:

  • Theft or vandalism of art, antiques and collections: insured up to €75,000
  • Theft of jewelery and watches: insured up to €10,000
Additional costs that are reimbursed

If your damage is covered, other costs will be reimbursed as well, such as reasonable expert fees and costs you incur in order to reduce or prevent imminent damage. To find out which costs are covered, please call us in advance. View the terms and conditions for the scope of cover and exclusions. 

Want to find out how much you will be paid in the event of a claim? The depreciation list shows you the average lifespan of each product and the depreciation rate per year.

Costs

Premium
The premium is specific to each situation and can vary depending on the type of house you want to insure and your family situation. 

Calculate my premium online  

Commission
ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. The exact commission is stated in the premium calculation. More information about our services:  Non-Life Insurance Information Sheet  

Insurance tax
You pay 21% insurance tax on the ABN AMRO Home Contents Insurance premium and fees. This will be factored into your premium calculation. Basic or all-risk

Basic or all-risk

The basic cover insures you against incidents such as fire, burglary and water damage. All-risk cover also insures all damage caused by other sudden and unexpected events – even if they arise due to your own fault. You might accidentally knock over your television, for example. With all-risk cover, you will have an excess of €100 for all-risk claims. Some damage is never insured, such as damage caused intentionally. The terms and conditions specify what is and is not covered. 

Please note that you can only select additional personal possessions cover and glass cover if you have an all-risk policy. 

During the online application process 

During the online application process, you select either basic or all-risk cover. After your application, you can always change your home insurance policies (e.g. from basic to all-risk cover) or expand it (e.g. with personal possessions cover). If you apply for home insurance at the same time as applying for your home contents insurance, the same cover applies to both: basic or all-risk. 

If you would still prefer to have different cover per insurance, please contact us for a personal quote.

Terms and conditions and insurance information sheets

Read the terms and conditions carefully first so you have all the information you need before you decide. 

Want to check the most relevant cover information? You can find it in the insurance information sheet. It has been drawn up in accordance with European guidelines. It is an easy-to-use tool to help you compare insurance policies. 

Old terms and conditions

If you took out your ABN AMRO Home Contents Insurance policy before 4 September 2006, find out more about the cover and terms and conditions that apply to you

If you took out your ABN AMRO Home Contents Insurance policy between 4 September 2006 and 29 April 2012, find out more about the cover and terms and conditions that apply to you

If you took out your ABN AMRO Home Contents Insurance policy between 29 April 2012 and 19 May 2019, find out more about the cover and terms and conditions that apply to you .

More information and terms and conditions

Excess

You will only have to pay an excess in the event of: 

  • Damage from rainfall or overflowing water, such as a leaking water pipe: €220 
  • Storm damage: €220 for tenant's or owner's fixtures and fittings. For example, if you rent your house or if you have your own flat. You will have an excess in the event of damage to any improvements you have made to your home. These are improvements that you cannot take with you when you move house 

If you select all-risk cover when applying for the policy, you will have an excess of €100 for specific all-risk claims. This excess also applies to the additional all-risk cover for mobile devices and personal possessions. 

In addition, you can select a voluntary excess of €100, €250 or €500. This additional excess applies per incident. You will receive a discount on your premium, but you will also receive less compensation in the event of a claim. If you apply for home contents insurance online, you will not receive an offer for a voluntary excess. However, you can select this after the application process is complete. You will receive more information on this. Underinsurance guarantee

Underinsurance guarantee

In the Netherlands, your belongings inside your home are insured by a guarantee against underinsurance. This is irrespective of the value of your home contents at the time of the damage. For some incidents, different amounts apply: 

  • Theft or vandalism of art, collections of rare items and antiques: up to €35,000 
  • Theft of jewellery and watches: up to €7,500 
  • Mobile devices: up to €7,500 

A maximum insured amount of €150,000 per case or collection always applies. Check the policy and terms and conditions to see what maximum amounts apply for specific items and events.

Additional theft cover for valuable home contents

Do you have valuable household effects? From 1 March 2023 you can take out additional theft cover by telephone. Then these insured amounts apply:

  • Theft or vandalism of art, antiques and collections: insured up to €75,000
  • Theft of jewelery and watches: insured up to €10,000

Additional costs that are reimbursed

If your damage is covered, other costs will be reimbursed as well, such as reasonable expert fees and costs you incur in order to reduce or prevent imminent damage. To find out which costs are covered, please call us in advance. View the terms and conditions for the scope of cover and exclusions. 

Want to find out how much you will be paid in the event of a claim? The depreciation list shows you the average lifespan of each product and the depreciation rate per year.

Costs

Premium
The premium is specific to each situation and can vary depending on the type of house you want to insure and your family situation. 

Calculate my premium online  

Commission
ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. The exact commission is stated in the premium calculation. More information about our services:  Non-Life Insurance Information Sheet  

Insurance tax
You pay 21% insurance tax on the ABN AMRO Home Contents Insurance premium and fees. This will be factored into your premium calculation. Basic or all-risk

Basic or all-risk

The basic cover insures you against incidents such as fire, burglary and water damage. All-risk cover also insures all damage caused by other sudden and unexpected events – even if they arise due to your own fault. You might accidentally knock over your television, for example. With all-risk cover, you will have an excess of €100 for all-risk claims. Some damage is never insured, such as damage caused intentionally. The terms and conditions specify what is and is not covered. 

Please note that you can only select additional personal possessions cover and glass cover if you have an all-risk policy. 

During the online application process 

During the online application process, you select either basic or all-risk cover. After your application, you can always change your home insurance policies (e.g. from basic to all-risk cover) or expand it (e.g. with personal possessions cover). If you apply for home insurance at the same time as applying for your home contents insurance, the same cover applies to both: basic or all-risk. 

If you would still prefer to have different cover per insurance, please contact us for a personal quote.

Terms and conditions and insurance information sheets

Read the terms and conditions carefully first so you have all the information you need before you decide. 

Want to check the most relevant cover information? You can find it in the insurance information sheet. It has been drawn up in accordance with European guidelines. It is an easy-to-use tool to help you compare insurance policies. 

Old terms and conditions

If you took out your ABN AMRO Home Contents Insurance policy before 4 September 2006, find out more about the cover and terms and conditions that apply to you

If you took out your ABN AMRO Home Contents Insurance policy between 4 September 2006 and 29 April 2012, find out more about the cover and terms and conditions that apply to you

If you took out your ABN AMRO Home Contents Insurance policy between 29 April 2012 and 19 May 2019, find out more about the cover and terms and conditions that apply to you .

ABN AMRO

Also combines well with

ABN AMRO

Home insurance

Your house, garage and shed insured against damage

  • Essential for your owner-occupied home
  • Solar panels also covered
  • Also your glass insured
ABN AMRO

Liability insurance

Insured against damage to others and their personal effects

  • For the whole family
  • No excess
  • Worldwide cover

Frequently asked questions

Home contents insurance cushions financial setbacks in the event of damage to your household effects in the Netherlands. This may include damage caused by fire, smoke, soot, storm, theft or vandalism. Everything must be replaced in such an event and these costs can pile up quickly. 

It is not mandatory to take out home contents insurance in the Netherlands. You decide whether you want to insure your household effects. Nevertheless, taking out home contents insurance is a smart move. If something does happen, the financial consequences can be immense. 

See what we can do for you when you have a claim.

Are you a tenant of a house or owner of an apartment? Then solar panels, charging stations, wind turbines and heat pumps and the associated cables installed at your expense are covered if they are attached to your home or are in the yard of your home. They must always be securely fastened or anchored. Solar panels may also be weighted on a flat roof. In other cases you will need home insurance for this.

Since 1 July 2022, it has been mandatory to have smoke detectors in your home. They warn you straight away when there is a fire, so you can take immediate action.

The government and your insurance company do not check whether you have smoke detectors inside your home. If anyone calls on you pretending to be a smoke detector inspector, do not let them in. This is a door-to-door scam by a scammer trying to gain access to your home to steal money or belongings. 

If you have incurred damage and your home has no smoke detectors, this will not affect your claim. ABN AMRO Verzekeringen will not invoke the lack of smoke detectors in the event of a claim. But it is a smart idea to install them for your own safety and to protect your home and belongings. If you are a landlord, however, you will be liable for the consequences as well as liable to prosecution if there is a home fire and you had no smoke detectors installed.

You will only have to pay an excess in the event of: 

  • Damage from rainfall or overflowing water, such as a leaking water pipe: €220 
  • Storm damage: €220 for tenant's or owner's fixtures and fittings. For example, if you rent your house or if you have your own flat. You will have an excess in the event of damage to any improvements you have made to your home. These are improvements that you cannot take with you when you move house 

If you select all-risk cover when applying for the policy, you will have an excess of €100 for specific all-risk claims. This excess also applies to the additional all-risk cover for mobile devices and personal possessions. 

In addition, you can select a voluntary excess of €100, €250 or €500. This additional excess applies per incident. You will receive a discount on your premium, but you will also receive less compensation in the event of a claim. If you apply for home contents insurance online, you will not receive an offer for a voluntary excess. However, you can select this after the application process is complete. You will receive more information on this. 

Want to find out the amount of your excess? You can check your insurance policy in Internet Banking .

With an ABN AMRO Home Contents Insurance you are insured in the event of damage caused by:

  • Fire, lightning or explosion
  • Theft and vandalism
  • Storm and rainfall
  • Collision with a motor vehicle
  • Falling tree, crane or part thereof
  • Damage caused by a burst water pipe inside your home

With an ABN AMRO All-Risk Home Contents Insurance you are insured in the event of damage caused by:

  • Fire, lightning or explosion
  • Theft and vandalism
  • Storm and rainfall
  • Collision with a motor vehicle
  • Falling tree, crane or part thereof
  • Damage caused by a burst water pipe inside your home, inside your neighbours’ home or in the street
  • Damage caused by you, your partner or children. For example if you accidentally left the tap open. Or if you drop something, such as a vase

You are not insured for damage caused by:

  • Intentional or gross negligence
  • Modifications or cleaning
  • Rainfall through open doors or windows
  • Poor or overdue maintenance
  • Wear and tear, rot or rust

There is always only 1 policyholder. Only the policyholder can view the insurance policies in Internet Banking . Log in to Internet Banking and view your insurance policies in your product overview.