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
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.
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.
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.
- Home insurance information sheet - basic (in Dutch)
- Home insurance information sheet - allrisk (in Dutch)
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.
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
Frequently asked questions
What is home insurance?
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 (PDF, 716 KB) .
Are my solar panels and charging station also insured?
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.
Are smoke detectors mandatory?
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.
What is and is not insured by home insurance?
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, inside your neighbours’ home or in the street
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
- Water damage caused by faulty sealant and joint seams
- Rainfall through open doors or windows
- Poor or overdue maintenance
- Wear and tear, rot or rust
Am I covered while working from home?
Working from home is covered, provided the risk of damage does not increase. If you or a family member use the house or outbuilding for business purposes, you may not always be covered. For instance, if you run a garage from home or work with hazardous substances, you may not be insured. However, if you have a home office, such as a beauty salon without staff or only carry out desk or screen work, you are covered. Review the terms and conditions of the home insurance (PDF, 716 KB) for more details. Unsure if your business activities are insured? Get in touch with us.
Is damage caused by my wood stove insured in all cases?
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
I have a joint insurance policy. Why can't I view my insurance policies in Internet Banking?
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.
Is a lock-up garage at a different address from my home address also covered by my insurance?
Yes, as long as the lock-up garage is not larger than 35m2, or used or hired out for commercial purposes