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.
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.
In addition to home insurance, you can also take out home contents insurance and liability insurance straight away. You can also select additional cover.
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.
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.
In addition to home insurance, you can also take out home contents insurance and liability insurance straight away. You can also select additional cover.
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.
You will only have to pay an excess in the event of:
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.
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.
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.
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. More information about our services: Non-Life Insurance Information Shee t.
Administration fees
If this is your first insurance policy with us, you will pay €0.69 (including insurance tax) for debiting the premium. We can debit the premium either monthly or annually. If you already have another non-life insurance policy with us, you will not have to pay an additional administration fee.
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.
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.
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.
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).
