When looking for a home insurer in the Netherlands, there is plenty of freedom of choice. Home contents, buildings and personal liability insurance (AVP) are offered by all the major insurers. They often offer them as a package. The extra discount is an important advantage. Naming every home insurer would be an impossible task, but the most important ones can be found below. This page describes the situation in the Netherlands.
Different home insurers in the Netherlands
In the Netherlands there are various insurers that offer home insurance. When looking for such insurance, you naturally want to know where you can best go. That is why we have listed the most important home insurers. We explain what these home insurers excel at and what they do or do not offer. Most Dutch insurers offer their website and policy documents in Dutch only.
ABN AMRO
ABN AMRO's home insurance consists of home contents insurance, buildings insurance and personal liability insurance. The home contents insurance offers broad cover, while glass is also insured by the buildings insurance. The personal liability insurance, in turn, opts for worldwide cover for the whole family. Damage caused while doing a favour for a friend (vriendendienst) is also covered.
Aegon
Aegon Nederland is now part of a.s.r. (source: asr.nl); anyone who still has home insurance with Aegon can find the current conditions at a.s.r. Aegon offered an interesting home insurance policy that makes it possible to insure the house and your belongings. All home insurance policies are placed in one package and fit together perfectly. Personal liability insurance can also be added to the home contents insurance and the buildings insurance. Aegon's claims service is available 24/7 in the event of damage to the home.
Allianz Direct
Allianz Direct is a home insurer characterised by a competitive premium and extensive cover. With their home insurance you never need to be underinsured and you get direct help with damage 24/7. It is therefore not surprising that Allianz Direct is the most chosen home insurance on the internet. The insurance offers extensive cover for student children living away from home, which is useful for parents who do not want to worry about the belongings of their (adult) children. Furthermore, this home insurance is very suitable for people with solar panels and charging points, as these are taken into account in the policy conditions.
ANWB
The ANWB home insurance consists of home contents insurance, buildings insurance and personal liability insurance. The home contents and buildings insurance consist of all-risk cover with a guarantee against underinsurance. The home contents insurance pays out the new value for up to ten years. The buildings insurance, in turn, offers good cover for solar panels and outbuildings up to 100 m². The personal liability insurance has worldwide cover. ANWB members receive an extra discount.
Centraal Beheer
Centraal Beheer's home insurance can be put together yourself and consists of home contents insurance, buildings insurance, personal liability insurance and the "Kostbaarheden Buitenhuisverzekering" (insurance for valuables outside the home). This last insurance pays out for valuable belongings when they are outside the home, in the Netherlands. For example, it covers the damage if a smartphone is stolen in the school playground. Aegon's home insurance still came out best in the test in a comparison by the Consumentenbond (Dutch Consumers' Association) in October 2022.
FBTO
At FBTO, just as at Centraal Beheer, there is a choice between buildings insurance, home contents insurance, personal liability insurance and insurance for belongings outside the home. These can all be added to one package, but that is not an obligation. It is also possible to add extra modules, such as diefstal plus (insurance for theft of valuable belongings), glass cover or legal expenses cover (only the Consument & Wonen module). At FBTO it is therefore possible to put together the home insurance entirely to your own wishes. That way, policyholders only pay for what they really need.
InShared
InShared is a home insurer that stands out for its low premium and customer-focused approach. At InShared you can choose between standard cover and complete cover, with or without an excess. The risk of underinsurance does not apply at InShared. Calculating the premium is easy and can simply be done online. At InShared you can also take out additional insurance, such as cover for mobile electronics, owner's interest cover, tenant's interest cover or glass cover. So this is also a good insurer for tenants. You can simply cancel the insurance on any day and switch to another insurer. The emergency centre, in turn, can be reached at any time and from anywhere in the world. Finally, at InShared you receive money back in the form of the so-called Jaarbeloning (annual reward).
Interpolis
Interpolis is an insurer that offers both home contents insurance and home insurance. With the help of the online choice tool, you can quickly and easily determine which insurance best suits your situation. Interpolis also offers a prevention discount on home insurance, which means that you get a discount if you take security measures to prevent burglaries. Interpolis also opts for sustainable home insurance in which damage is repaired with sustainable materials. Logically, solar panels and charging points are also properly insured straight away. Finally, you can benefit from a package discount thanks to the so-called alles-in-eenpolis (all-in-one policy).
Nationale-Nederlanden
Nationale-Nederlanden offers both buildings and home contents insurance, where you can choose between basic cover and more extensive all-risk cover. That way you can decide for yourself which risks you do or do not want to insure. It is possible to combine both insurance policies, which results in a discount on the premium. It is also possible to supplement the insurance with cover outside the home and glass insurance. In the event of major damage, a claims manager is ready to help and advise you. The policy conditions are clearly written, so you know where you stand. You can choose an excess so that the premium is a little lower.
OHRA
OHRA is a well-known insurer that, by its own account, has 100 years of experience in this sector (source: ohra.nl). It offers various home insurance policies. With OHRA you can be sure of excellent cover and clear conditions, and you are never underinsured. It is easy to calculate the premium online and to compare the various types of cover with each other. It is also possible to take out extra cover, for example for glass or for belongings that are outside the house. OHRA has hundreds of thousands of satisfied customers and is known for its good service.
Promovendum
Promovendum is an insurer that focuses specifically on people with a higher education. This target group gets a competitive premium at Promovendum, because on average they cause less damage than other groups. In addition to the low premium, Promovendum also offers a package discount when you take out at least five insurance policies. The insurance policies are broad and even offer cover for window damage. There is also the option of getting a guarantee against underinsurance and of insuring the solar panels as well. If you have questions, the telephone advice line is always available. With the free switching service it is easy to switch to Promovendum.
Unigarant
Unigarant is an insurer that focuses on various types of insurance, including home insurance. Unigarant's home insurance is very complete and they make sure that you are never underinsured. The insurance offers extensive cover against damage to your contents and buildings. Claims handling at this home insurer is remarkably fast and efficient, which results in many satisfied customers. Unigarant also provides clear information about its insurance policies, even with informative flyers to help you choose the right insurance.
Switching to another home insurer
If you are looking for ways to save money on your home insurance or if you are dissatisfied with your current home insurer, switching to another home insurer can be a good solution. By looking at what different home insurers have to offer and comparing the premiums and cover, you may be able to find a home insurer that suits you better. Switching to another home insurer is easy in many cases. Most home insurers even have a switching service to help you with this.
All about switching home insurance
Comparing home insurance
There are many different home insurers on the market. Each of these home insurers has its own premiums, cover and conditions. Comparing home insurance policies from different home insurers can help you find the best option for your situation. Aspects such as the premium, the cover, the excess and any additional insurance can be included in this comparison. By comparing home insurance policies, you can make sure that you make the right choice and enjoy the best protection.
All about comparing home insurance
Costs of home insurance
Every home insurer uses its own method to calculate the premium of the insurance. In general, insurers look at various factors such as the type of home, the value of the home and the contents, the region in which the home is located and the excess you are willing to pay. Some insurers also offer a discount when you take out several insurance policies with them, such as buildings and home contents insurance. So when comparing home insurance policies it is important to also look at how the premium is calculated and which factors are taken into account.
All about the costs of home insurance
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Frequently asked questions about home insurers
If you are looking for home insurance, or if you approach different home insurers, there are many things to take into account. It is not all that simple. In this FAQ we answer a number of frequently asked questions about home insurers and home insurance. That way you will learn more about the different types of insurance and their characteristics.
Are there big differences between home insurers?
Yes, there are big differences in terms of both cover and price. Some home insurance policies are much more extensive (and more expensive). Comparing carefully really is important.
Are solar panels insured everywhere?
No. With some home insurers solar panels are included in the home insurance as standard, but there are also home insurers where they can be added as an option. If the solar panels are insured, there are often exclusions. For example, small cracks that reduce the yield but are not visible are often excluded.
Are temporary rentals always insured?
No. Only with a number of insurers are temporary rentals via platforms such as Airbnb insured. This is the case with Centraal Beheer, among others.
Can I easily withdraw from the insurance everywhere?
Not always. The statutory cooling-off period of fourteen days applies to insurance taken out at a distance (for example online or by telephone) or off business premises (Article 6:230x(1) of the Dutch Civil Code, Burgerlijk Wetboek or BW). If you take out the insurance at an adviser's office, for example, there is no statutory cooling-off period; some insurers do offer one themselves in their policy conditions.
Do I get a package discount with all insurers?
No. With insurers such as Allianz, ANWB, ASR, De Goudse, Interpolis and Woongarant this is the case. Sometimes the package discount also has a different name and is, for example, a "loyalty discount". The amount of the package discount usually depends on the number of insurance policies taken out. Remember that a package discount does not always mean that it is actually cheaper, because there are simply large price differences.