Home insurance

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).