opstal
Home insurance
Calculate my premium

Home insurance

Home insurance

Calculate my premium
All you need in one package
Calculate my premium
All you need in one package
Your home, garage or shed insured
  • Indispensable for your own home
  • Solar panels also insured
  • Glass also insured

Why take out home insurance

Suppose your window is smashed in a burglary attempt or a fire unexpectedly breaks out in your kitchen. With home insurance, you are insured against damage to your home, garage or shed. Indispensable for your own home! If you have bought an apartment, first check whether you do need to take out home insurance.

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, lightning strike or explosion
  • Theft or attempted theft
  • Storm 
  • 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

Glass cover: basic or all risk

Our home insurance comes with extensive basic cover, which often includes glass breakage cover. But in case you’re considering all risk cover, below is a list of the things that are included in all risk:

Basic cover 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.

Aansprakelijkheidsverzekering

All your home insurance policies under one roof

If you also want to insure your possessions right away, all our home insurance policies fit together perfectly, for example the home contents insurance and home insurance. This will give you peace of mind that you are well insured and you will only pay for what you need.
Tell me more Calculate your home insurance premium

How to apply for a home insurance

Stap 1

Read the terms and conditions

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

Stap 2

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.

Stap 3

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 insurance

How to apply for a home insurance

Stap 1

Read the terms and conditions

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

Stap 2

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.

Stap 3

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 insurance
Man tilt verhuisdoos

I’m moving house!

Moving to a new home can be daunting and you might not be thinking of your insurance right away. No worries: we will do this for you. Read more about the things you will need to consider when moving house.
Find out more

More information & conditions

Excess

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

  • Storms, precipitation or overflowing/leaking water, for example due to a leaking water pipe: €220

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, the excess is €100 per all-risks claim.

Insurance cover amount

You will not be under-insured with our buildings insurance.

Find out what is and is not covered.

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 insurance.

Administration fee
When you take out 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 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 taking out home 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 take out home contents insurance and home 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..

Holiday homes are only covered if you live there permanently.

You unfortunately cannot take out insurance if you rent out your house temporarily or permanently (for example on Airbnb). The same applies to using your home for business purposes.

Take a look at the terms and conditions for a full summary of what is and is not covered. You will then have all the information you need to make a choice.

Home insurance terms and conditions.

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

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

More information & conditions

Excess
Insurance cover amount
Costs
Basic or all-risks cover

Excess

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

  • Storms, precipitation or overflowing/leaking water, for example due to a leaking water pipe: €220

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, the excess is €100 per all-risks claim.

Insurance cover amount

You will not be under-insured with our buildings insurance.

Find out what is and is not covered.

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 insurance.

Administration fee
When you take out 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 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 taking out home 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 take out home contents insurance and home 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..

Holiday homes are only covered if you live there permanently.

You unfortunately cannot take out insurance if you rent out your house temporarily or permanently (for example on Airbnb). The same applies to using your home for business purposes.

Take a look at the terms and conditions for a full summary of what is and is not covered. You will then have all the information you need to make a choice.

Home insurance terms and conditions.

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

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

Pakketkorting

Package discount when applying for 3 or more insurance policies

Tell me more!

All your insurance policies under one roof

More insurance policies equal a higher discount

Everything you need for your house in one place

Other useful info