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ACCESS NL > Housing in the Netherlands > Dutch home insurance
Expats who have bought a house in the Netherlands are obliged to take out opstalverzekering (residential premises insurance). This is a condition to get a mortgage. If you have bought an apartment, your Vereniging van Eigenaren – VvE (homeowners association) should provide the insurance. Otherwise, you have to arrange this insurance yourself.
A popular insurance in the Netherlands is the so-called inboedelverzekering (household contents insurance), which covers damage to your household goods caused by fire, burglary, explosion, storms, water, and various other factors. The sum insured will usually be subject to the average value of the contents in a house, so it is important that the sum insured is up-to-date.
The owners of furnished rented properties usually pay the residential premises insurance for expats renting a house or apartment. Check this with the owner.
If you are renting a place, it is advisable that tenants take out at least a inboedelverzekering (household contents insurance) for coverage of their personal possessions.
Either if you are renting or own a house, you could consider to take out the following insurances:
Finally, there is also a huurgarantieverzekering (rental guarantee insurance) available for tenants. This is to cover for the payments of your rent in case of long-term illness, unemployment for a long time or occupational disability.
Your bank or financial advisor can help you. If you need further information you can also contact the Dutch association of insurance companies (Het Verbond van Verzekeraars) on 070 333 8500 or via the online form available at Verzekeraars.nl (website available in Dutch and English).
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