Home Insurance in The Netherlands

The specific insurance requirements for your home in the Netherlands will vary depending on whether you are a homeowner or a tenant. Homeowners are required to have insurance coverage for their property to protect against unforeseen risks such as fire, theft, severe weather, and flooding. This type of insurance is known as “opstalverzekering” in Dutch.

For apartment owners, joint policies are often arranged either through the owners’ association or independently. This type of insurance is not only recommended, but also mandatory in the Netherlands, as it is required by mortgage providers.

To protect the contents of your home, you will need to obtain a separate insurance policy (known as “inboedelverzekering” in Dutch). This applies to both homeowners and renters, as they will not be covered by the landlord’s insurance policy. We can provide expert guidance on the various coverage options available and help you determine the best fit for your individual needs. While this type of insurance is not mandatory, it is highly recommended and typically very affordable.

Additional home insurances

Furthermore, you may possess valuable items that require special coverage. Certain insurance providers offer supplementary protection for high-value items such as jewelry, art pieces, or electronics. This surpasses the single-value item limit of a standard contents policy. It is important not to rely on insurance from your home country, as items taken overseas may no longer be covered once they are transported out of the country.