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Home insurance

Why take out home insurance

Your home, garage or shed insured against damage caused by storm or fire, for example

  • Solar panels, charging station and heat pump included as standard
  • You can reach us 24/7 in emergencies
  • You are never underinsured

 

Calculate your premium for all your home insurance policies in one go

Calculate premium

Will you go for basic or all-risk?

Basic

  • Fire, lightning or explosion
  • (Attempt to) 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
  • Glass damage caused by events mentioned above
  • Glass damage caused by falling or impact
  • Damage caused by a burst water pipe in your 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
  • (Attempt to) 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
  • Glass damage caused by events mentioned above
  • Glass damage from falling or impact
  • 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

Additional cover with basic insurance: Glass cover

Glass cover insures you for all glass damage, including if your child throws a ball through your window. To take out this cover, please get in touch with us.

  • No compulsory excess if you’re only claiming for glass damage

Apply for your home 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.

Tasklist

Select your insurance policies

In addition to home insurance, you can also take out home contents 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 home

Damage to your home 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 & conditions

Excess

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

  • Storm, rainfall or overflowing water, such as a leaking water pipe: €220 

If you select all-risk cover when applying for the policy, you will have an excess of €100 for specific all-risk claims. 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 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.

Insurance cover amount

If your home (or part of it) is lost due to a covered event, the entire damage will be reimbursed to you. For example, in the event of fire damage. If you sustain damage that is covered, you have an underinsurance guarantee. 

For items like fences that are over five years old, only the current market value will be compensated. View the terms and conditions of the home insurance (PDF, 716 KB) and depreciation list (PDF, 5 MB) for all the details.

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 Shee (PDF, 67 KB) t.

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 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 or 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 compulsory excess for all-risk claims is €100. If you are only claiming for damage to glass, the compulsary excess does not apply. Some damage, such as intentional damage, is never covered. Take a look at the terms and conditions of the home insurance (PDF, 716 KB)  to see what is and 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 insurance (PDF, 716 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.

Non-life insurance information sheet (PDF, 67 KB)

Old terms and conditions

If you applied for your home insurance before 29 April 2012 (PDF, 344 KB) , check the terms and conditions that apply to your policy (in Dutch).

If you applied for your home insurance before 15 October 2018 (PDF, 674 KB) , check the terms and conditions that apply to your policy(in Dutch).

Also combines well with

Liability insurance

Insured against damage to others and their personal effects

  • For the whole family
  • No excess
  • Worldwide cover

Home contents insurance

Items in your home, garage or shed insured

  • Convenient for your own or rented home
  • Most popular home insurance policy
  • Underinsurance guarantee

Read how to make your home more sustainable

Frequently asked questions

Other useful info