Home contents insurance

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.

Insurance cover amount

In the Netherlands, your belongings in your home are insured for up to €150,000 per event.

For some events, your cover is less than €150,000. In that case, other amounts apply:

• 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.

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 document for each type of insurance. The policy fee is €4.39 (including insurance tax). If you already have a non-life insurance policy with us, you will not need to pay an additional policy fee if you take out home contents 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