Home contents insurance
Why take out home contents insurance
Your belongings in your home insured against theft, fire or storm, for example
- When moving, you are insured at your old and new address
- You can reach us 24/7 in emergencies
- You are never underinsured
Calculate your premium for all your home insurance policies in one go
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 devices
Basic and all-risk
With mobile devices 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
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 or vandalism of jewellery and watches: insured up to €10,000
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 €10,000 per incident
- Your sports equipment and optical instruments are also insured
Glass cover
Basic and all-risk cover
Only available if you rent a house or own an apartment/flat, or a downstairs or upstairs property. Insures you for all glass damage, including if your child throws a ball through your window.
- No compulsory excess if you only have glass damage
Apply for your home contents insurance
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.
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
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.
Insured amount
In the Netherlands, your belongings inside your home are insured by a guarantee against underinsurance. The cover applies to a maximum of €500,000 per event. For some incidents, different amounts apply:
- Theft or vandalism of art, collections of rare items and antiques: up to €35,000
- Theft or vandalism of jewellery and watches: up to €8,000
A maximum insured amount of €150,000 per case or collection always applies. Check the policy and terms and conditions of the home contents insurance (PDF, 737 KB) to see what maximum amounts apply for specific items and events.
Additional theft cover for valuable home contents
Do you have valuable household effects? Then these insured amounts apply:
- Theft or vandalism of art, antiques and collections: insured up to €75,000
- Theft or vandalism 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 of the home contents insurance 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.
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 (PDF, 67 KB)
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 cover
Basic cover insures you against incidents such as fire, burglary and water damage. All-risk cover also includes any damage resulting from other sudden and unexpected events, even if you are responsible for the event. Take, for example, damage to the floor because you dropped something. All-risk cover includes all-risk glass cover. The excess for all-risk claims is €100. When there is glass damage alone, you have no compulsory excess. Some damage, such as intentional damage, is never covered. Take a look at the terms and conditions of the home contents insurance (PDF, 737 KB) to see what is and what is not covered.
Please note that you can only select additional personal possessions cover if you have an all-risk policy.
During the online application process
During the online application process, you’ll be asked to select basic cover or all-risk cover. You can still change your home insurance policies after you’ve submitted your online application. If you’re requesting home contents insurance as well as home insurance, the cover is the same for both: basic or all-risk.
If you’d prefer a separate cover for each insurance policy, contact us for a personal offer.
Terms and conditions and information sheets
Read the terms and conditions of the home contents insurance (PDF, 737 KB) 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.
Non-life insurance information sheet
We've made this Information Sheet because we want you to be well-informed about our services. In this document, we will explain what you can expect from us as a provider of non-life insurance and what we expect from you as a policyholder. We will also address our fees and tell you how to contact us if you have any questions or complaints.
Old terms and conditions
If you took out your ABN AMRO Home Contents Insurance policy before 4 September 2006 (PDF, 48 KB) , 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 (PDF, 125 KB) , 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 (PDF, 713 KB) , find out more about the cover and terms and conditions that apply to you.
Also combines well with
Home insurance
Your house, garage and shed insured against damage
- Essential for your owner-occupied home
- Solar panels also covered
- Also your glass insured
Liability insurance
Insured against damage to others and their personal effects
- For the whole family
- No excess
- Worldwide cover
Frequently asked questions
What is home contents insurance?
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.
Are my solar panels and charging station also insured?
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.
Are smoke detectors mandatory?
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.
Does the insurance carry an 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
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.
What is and is not insured by home contents insurance?
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, inside your neighbours’ home or in the street
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
- Water damage caused by faulty sealant and joint seams
- Rainfall through open doors or windows
- Poor or overdue maintenance
- Wear and tear, rot or rust
I have a joint insurance policy. Why can't I view my insurance policies in Internet Banking?
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.