Home contents insurance

Items in your home, garage or shed insured

For your own or rented home
Most popular home insurance policy
Underinsurance guarantee

Why apply for home contents insurance

With home contents insurance, your belongings in your home are insured in most cases. Items such as your brand-new furniture or your bicycle in the shed are insured against damage or loss due to things like theft, fire or a storm. Take a look at the unique characteristics of the home contents insurance and find out what is and is not insured.

_{Useful: up to 5% discount when taking out three or more insurance policies!}

What is covered and what is not?

Insured for damage or loss due to:

Fire, smoke, soot and explosion
Storms and lightning strikes
Theft
Vandalism
Precipitation or overflowing/leaking water

Take a look at all the terms and conditions

Not insured for damage or loss due to:

Intent or gross negligence
Treating or cleaning
Precipitation entering through an open door or window
Poor or overdue maintenance
Wear and tear, rot or rust

Take a look at all the terms and conditions

Show Hide glass cover

Glass insured with all risk cover

If you choose all risk glass cover for our home contents insurance, check the list below to see what is covered:

	All risk cover
Fire, lightning strike or explosion
Theft or vandalism and attempted theft or vandalism
Storms and precipitation
Collision with a motor vehicle
Falling trees, cranes or parts of trees or cranes
Damage or loss unintentionally caused by yourself
Children unintentionally kicking a ball through a glass pane
Damage caused by other unexpected or sudden events

Take a look at the terms and conditions for a full summary of what is and is not covered.

How to apply for home contents insurance

Read the terms and conditions

First find out what is covered. And what is not. Then tell us a little more about your situation.

Calculate your premium

Your premium is calculated based on your personal situation, for example your family situation or type of home. This will give you peace of mind that you are well insured.

Apply for insurance now

Once you have completed the steps above, you will be shown your premium. You can then log in and take out the insurance.

Apply for home contents insurance

How to apply for home contents insurance

Read the terms and conditions

First find out what is covered. And what is not. Then tell us a little more about your situation.

Calculate your premium

Your premium is calculated based on your personal situation, for example your family situation or type of home. This will give you peace of mind that you are well insured.

Apply for insurance now

Once you have completed the steps above, you will be shown your premium. You can then log in and take out the insurance.

Apply for home contents insurance

More information & conditions

Excess

No excess applies as standard, except in the event of:

damage caused by precipitation or overflowing/leaking water, for example due to a leaking water pipe: €220
damage caused by a storm: €220 in case of landlord’s or tenant’s fixtures, for example if you lived in a rented home or own an apartment. If so, you have an excess for all improvements you have made to your house that cannot be removed when you move house.

After applying for the insurance, you can choose an excess. This will entitle you to a premium discount, but you will also receive a lower reimbursement in the event of a claim. Read more about this in the Bankmail message that you receive after taking out the insurance.

If you choose our all-risks cover, you will pay an excess of €100 per all-risks claim, including for the additional all-risks cover for mobile devices and the personal possessions cover.

Additional costs that will be reimbursed

In the Netherlands, your belongings in your home are insured with a guarantee against underinsurance. For some events, different amounts apply in your home:

theft or vandalism of art, collections and antiques: up to €35,000;
theft of jewellery and watches: up to €7,500;
mobile devices: up to €7,500.

In the event of damage, we will reimburse a maximum of €150,000 per event per item or collection. If the policy states a different maximum amount for an item or a collection, that amount applies.

If your damage or loss is covered, even more costs can be claimed back, for example the cost of hiring a loss assessor or the costs you incur to diminish or prevent damage. For a comprehensive list, please refer to the terms and conditions .

Costs

Premium
How much premium you pay depends on your situation, such as the type of home you want to insure or your family situation.

Calculate my premium online

Commission
ABN AMRO Bank N.V. provides personal customers with non-life insurance products on behalf of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for this. You can read more about our services on our non-life insurance information sheet .

Policy fee
You will receive one policy per insurance. You do not need to pay any policy fees for this insurance.

Administration fee
When you apply for a policy with ABN AMRO for the first time, you will be charged an administration fee of €0.69 (including insurance tax) for collecting the premium, which may be done monthly or annually. If you already have another non-life insurance policy with us, you will not be charged an additional administration fee.

Insurance tax
You will be charged 21% insurance tax on the premium and costs for the ABN AMRO home contents insurance. This amount will be included in the calculation of your premium.

Basic or all-risks cover

We only offer the most popular insurance policies online so you can quickly and easily apply for your home insurance. After applying for your home insurance, you can always change or extend it.

When applying for home contents insurance, you can choose between basic or all-risks cover. Basic cover is enough for most customers, but you can always add extras. If you apply for home contents insurance and buildings insurance at the same time, the same cover type – basic or all-risks – applies to both insurance policies.

If you would rather have different cover types for each insurance policy, please contact us for a personalised offer.

Please read the terms and conditions to ensure you have all the information you need to make a choice.

Home contents insurance terms and conditions .

If you applied for your ABN AMRO home contents insurance before 4 September 2006, check the terms and conditions that apply to your policy (in Dutch).

If you applied for ABN AMRO’s home contents insurance between 4 September 2006 and 29 April 2012, check the terms and conditions that apply to your policy (in Dutch).

If you applied for ABN AMRO’s home contents insurance between 29 April 2012 and 19 May 2019, check the terms and conditions that apply to your policy

Additional cover

When applying for home contents insurance, you can opt to add extras:

Mobile device cover (basic and all-risks)
If you choose all risks cover, a basic cover will apply to the mobile devices in your home. With mobile device cover, your mobile telephone, tablet, laptop and smartwatch are insured against falls, impact or theft in the Netherlands, both within and outside your home, for up to €7,500 per event.

Personal possessions cover (all-risks only)
Do you also want to insure your musical instruments, jewellery and watches outside your home in the Netherlands, or your sports equipment such as your golf set or kiteboard? With our all-risks personal possessions cover, these belongings are covered in the Netherlands against loss and theft, for example, for up to €7,500 per event.

Glass cover (all-risks only, if you own an apartment or rent a home)
If you choose the all-risks glass cover, damage caused for example by your child throwing a ball through your window is also covered. Special glass, like stained glass windows or treated glass, is covered for up to €1,000.

If you choose our all-risks cover, the excess is €100 per all-risks claim.

Find out what is and is not covered