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ABN AMRO

Home insurance

Now with a 20% discount

Why take out home insurance

Home insurance provides cover for damage to your house, garage or shed caused by storm or fire, for example. If you have bought a flat, check whether you need buildings insurance at all. 


You can easily combine your home insurance with home contents and liability insurance. They fit together perfectly, so you can be sure that you are properly insured.

ABN AMRO

Get a 20% discount now on every new home insurance policy

If you take out a new home insurance policy now, you will get a 20% discount on the premium for the first 12 months. This bonus applies to our home contents insurance, home insurance and liability insurance. These policies complement each other perfectly. and give you sound insurance for an attractive price!

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
  •  

Apply for your home insurance

ABN AMRO
Tasklist
ABN AMRO

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 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.

ABN AMRO

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.

ABN AMRO

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.

man looks at water damage on the ground

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, 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. 

You will also be reimbursed for any other expenses on top of a covered claim. View the terms and conditions for all the details .

Please note that you can only select additional personal possessions cover and glass cover if you have an all-risk policy.

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 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-risks cover

The basic cover insures you against incidents such as fire, burglary and water damage. All-risk cover also insures all damage caused by other sudden and unexpected events – even if they arise due to your own fault. You might accidentally knock over your television, for example. With all-risk cover, you will have an excess of €100 for all-risk claims. Some damage is never insured, such as damage caused intentionally. The terms and conditions specify what is and is not covered. 

Please note that you can only select additional personal possessions cover and glass cover if you have an all-risk policy. 

During the online application process 

During the online application process, you select either basic or all-risk cover. After your application, you can always change your home insurance policies (e.g. from basic to all-risk cover) or expand it (e.g. with personal possessions cover). If you apply for buildings insurance at the same time as applying for your home contents insurance, the same cover applies to both: basic or all-risk. If you would still prefer to have different cover per insurance, please contact us for a personal quote.

Terms and conditions and insurance information sheets

Read the terms and conditions 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. 

Old 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

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, 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. 

You will also be reimbursed for any other expenses on top of a covered claim. View the terms and conditions for all the details .

Please note that you can only select additional personal possessions cover and glass cover if you have an all-risk policy.

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 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-risks cover

The basic cover insures you against incidents such as fire, burglary and water damage. All-risk cover also insures all damage caused by other sudden and unexpected events – even if they arise due to your own fault. You might accidentally knock over your television, for example. With all-risk cover, you will have an excess of €100 for all-risk claims. Some damage is never insured, such as damage caused intentionally. The terms and conditions specify what is and is not covered. 

Please note that you can only select additional personal possessions cover and glass cover if you have an all-risk policy. 

During the online application process 

During the online application process, you select either basic or all-risk cover. After your application, you can always change your home insurance policies (e.g. from basic to all-risk cover) or expand it (e.g. with personal possessions cover). If you apply for buildings insurance at the same time as applying for your home contents insurance, the same cover applies to both: basic or all-risk. If you would still prefer to have different cover per insurance, please contact us for a personal quote.

Terms and conditions and insurance information sheets

Read the terms and conditions 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. 

Old 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).

Also combines well with

ABN AMRO

Liability insurance

Insured against damage to others and their personal effects

  • For the whole family
  • No excess
  • Worldwide cover
ABN AMRO

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
ABN AMRO

Frequently asked questions

Home insurance cushions financial setbacks in the event of damage to your home. This includes damage caused by fire, storm, water and burglary. 

As a general rule, home insurance is not a legal requirement. However, it might be for some homeowners. A mortgage lender may require you to take out this kind of insurance in order to obtain a mortgage, for example. More information is available in the terms and conditions of the ABN AMRO Home Insurance.

Yes, sustainable devices such as solar panels, charging stations, wind turbines and heat pumps and the associated cables 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.

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.

With an ABN AMRO Home Insurance you are insured in the event of damage caused by:

  • Fire, lightning or explosion
  • Theft and vandalism, or attempts made to that end
  • Storm and rainfall
  • Collision with a motor vehicle
  • Falling tree, crane or part thereof
  • Broken glass (if the breakage is caused by an insured event)
  • Damage caused by a burst water pipe inside your home

With an ABN AMRO All-Risk Home Insurance you are insured in the event of damage caused by:

  • Fire, lightning or explosion
  • Theft and vandalism, or attempts made to that end
  • Storm and rainfall
  • Collision with a motor vehicle
  • Falling tree, crane or part thereof
  • Broken glass
  • Damage caused by a burst water pipe inside your home, inside your neighbours’ home or in the street
  • Damage caused by a burst water pipe 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
  • Modifications or cleaning
  • Rainfall through open doors or windows
  • Poor or overdue maintenance
  • Wear and tear, rot or rust

Working from home is covered, provided the risk of damage does not increase. If you or your family member use your home or outbuilding for business purposes, this prevents you taking out home insurance in certain cases. For example, if you have a practice space at home, such as a beauty salon. Or if you receive clients at home. Any questions? We are happy to help. Please do not hesitate to contact us. Does this apply to you? If so, you must take out business insurance for your home.

Damage caused by your wood stove is insured if the installation of the wood stove complies with current guidelines. ABN AMRO Verzekeringen will never reimburse damage caused by: 

  • Intent, gross negligence or illegal activity by you
  • Poor or overdue maintenance, wear, rot or rust
  • A construction fault of your home

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.