Home insurance in the Netherlands (2026 guide for expats)

Home insurance in the Netherlands comes in two parts: buildings insurance (opstalverzekering), which covers the structure of your house, and contents insurance (inboedelverzekering), which covers everything inside it. If you buy a house with a mortgage, buildings insurance is effectively required by your lender. In 2026 a combined buildings-and-contents policy typically costs around €10–€30 per month, depending on your home. Here is how to pick the right cover.

Types of home insurance

Buildings insurance (opstalverzekering)

Buildings insurance covers the physical structure of your home: walls, floors, roof and fixed installations such as the kitchen and central heating. It protects against damage from events like fire, storm and water. If you buy with a mortgage, your lender will almost always require it. As a rough 2026 guide, expect around €30–€40 per month for an average home, since the premium is based on the rebuild value (herbouwwaarde), not the market price.

Contents insurance (inboedelverzekering)

Contents insurance covers your movable belongings inside the home — furniture, clothes, electronics and jewellery — against theft, fire and other unexpected damage. It is useful whether you own or rent, because as a tenant the building itself is your landlord's responsibility but your possessions are not. In 2026 contents cover commonly runs €5–€15 per month, depending on the insured value of your belongings.

Combined home insurance (woon-/combinatieverzekering)

You can bundle buildings and contents into one combined policy (combinatieverzekering), which usually works out cheaper than two separate policies and is simpler to manage. A combined policy in 2026 typically costs around €10–€30 per month depending on your home type, postcode and the rebuild and contents values.

Best home insurance providers in the Netherlands

Centraal Beheer home insurance

Centraal Beheer is part of the Achmea Group. Founded in 1909 in Amsterdam, it moved to Apeldoorn in the 1970s and today operates as a well-known insurance brand.

Univé home insurance

Univé is a non-profit cooperative insurer. Its customers are usually also members of the cooperative. Because it is non-profit, its pricing stays competitive, and its home insurance is easy to request online.

InShared home insurance

InShared works on a simple, fully online model: when customers help keep claims and costs down, any money left over benefits everyone. That stripped-down approach keeps premiums low.

New to the Netherlands? See our guides to health insurance, car insurance and legal insurance too.