Home insurances in the Netherlands

Home insurance, which is also known in Dutch as 'Opstal- or Inboedelverzekering', provides coverage for various events of damage that can occur in your home. It is important to know the differences between insurance types to choose the right protection for your property.

Types of Home Insurance

Bricks and Mortar Insurance

The most basic home insurance is the Bricks and Mortar insurance. When you buy a house with a mortgage in most cases this insurance is obligated. This insurance covers damage to the physical structure of the house. The damage includes walls, floors and roof infrastructure. Installations are covered as well in this basic home insurance. This protects the property of your house against damage and loss.

Fire and Theft Home Insurance

Second home insurance is another insurance that a lot of people in the Netherlands have. This insurance can be useful when you own or rent a house. It covers your personal belongings within the house, such as furniture, clothes, electronics, and jewelry. The fire and theft insurance covers damages from theft, fire, or any other unexpected events.

Combined Home Insurance

It is also possible to combine home insurance. This would result in a discount for the insurance. In the Netherlands, this will be the 'Combinatieverzekering' that includes home insurance coverage of your house including all belongings inside the house. The combined insurance offers a comprehensive coverage of all your home's contents.

Best Home Insurance Providers in the Netherlands

Centraal Beheer Home Insurance

Centraal Beheer is an insurance company that is part of the Achmea Group. The company was founded in 1909 in Amsterdam and moved to Apeldoorn in the 1970s. After a reorganization in the late 1990s, Centraal Beheer is now longer formally a company, but a brand.

Univé Home Insurance

Univé is a non-profit cooperative insurer. Univé customers are in most cases also members of the cooperative. Univé is a non-profit, so this makes sure the prices are as competitive as possible. The home insurance of Univé is easy to request via their site.

InShared Home Insurance

If all customers from InShared in the Netherlands help to prevent damage and we keep costs down, money is left over. Everyone benefits from this principle that makes insurance work fairly well: we all do it together.