Taking out home insurance

When taking out a mortgage for an owner-occupied property, it is often mandatory to take out home insurance.

It is not mandatory to take out home contents insurance in the Netherlands. Still, it is a nice feeling to know that you are well insured against damage to your belongings, for example if you have a fire or your home is broken into.

View our home contents insurance.

While it is not mandatory to take out liability insurance, it is socially desirable to do so. If you or your family member accidentally causes damage to another person's belongings, you are insured for this and you or the other person will not have to pay the costs yourself.

View our liability insurance.

There is often confusion between home contents and home insurance, as they are very similar. After all, they are both home insurance policies.

With home contents insurance, your belongings in your home, garage and shed are insured. For example, do you have laminate flooring that is not attached to the house? If so, it is also covered by the home contents insurance.

View our home contents insurance.

With home insurance, your house, garage and shed are insured. For example, do you have a floor glued to the house? Or solar panels stuck on the roof? If so, these items are covered by home insurance.

View our home insurance.

Are you a tenant of a house or owner of an apartment? Then solar panels, charging stations, wind turbines and heat pumps and the associated cables installed at your expense 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. In other cases you will need home insurance for this. Solar panels may also be weighted on a flat roof.