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Dutch home insurance

What insurances are compulsory for my home?

Should I consider taking out additional insurances for my home and my possessions?

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:

  • Aansprakelijkheidsverzekering (liability/third party insurance): coverage of the damages that you, family members or pets cause by accident (i.e. damage to the apartment you are renting or to the neighbours)
  • Rechtsbijstandverzekering (legal aid insurance): to cover for the legal costs that may arise from a possible dispute (i.e. disputes with the landlord, the neighbours or the municipality)

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).