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building insurance
For homeowners
Insures the building itself: walls, roof, floor, plumbing and permanent kitchen in the event of fire, storm, water or burglary.
Vanaf €10 per maand
Home insurance vergelijken & save on your housing package
Compare premiums for home contents, building and liability insurance. Combine as a discount package and save up to €300 per jaar through independent advice.
Inboedel & opstal
Up to 15% package discount
Voor huurders & eigenaren
Personal advice
What is home insurance?
A Home insurance is a collective name for insurance that protects your home and possessions against damage and loss. There are three main insurance policies that together form the complete picture: the building insurance, the Contents insurance and the private liability insurance (AVP).
Bee DutchCarInsurance.nl — onderdeel van Finass — vergelijken wij meer dan 30 verzekeraars die zich specialiseren in woonverzekeringen. Door uw verzekeringen te combineren in een benefit package bespaart u tot 15% op de totale premie.
Who is home insurance important for?
Whether you TENANT or owner bent — een goede huisverzekering is essentieel. Als huurder heeft u een inboedelverzekering nodig om uw bezittingen te beschermen. Als woningeigenaar komt daar een opstalverzekering bij. Een Liability insurance is voor iedereen aan te raden.
benefit package: alles in één
In us benefit package combineert u meerdere verzekeringen bij één verzekeraar. U profiteert dan van pakketkorting, één aanspreekpunt for all your home insurance en eenvoudige administratie met één maandelijkse incasso.
The three main insurance policies for your home
Together, these three insurance policies provide complete protection for your home, possessions and liability.
MOST CHOOSED
STUFF
Contents insurance
For everyone
Insures all your belongings: furniture, electronics, clothing, jewelry. In case of fire, theft, water or vandalism.
Vanaf €8 per maand
PROTECTION
Liability (AVP)
For the whole family
Verzekert schade die u or uw gezin per ongeluk veroorzaakt aan anderen. Letsel en materiële schade gedekt.
Vanaf €4 per maand
15%
Package discount
Up to 15% discount when combining your home insurance policies
benefit package
Combine and save hundreds of euros per year
Door uw inboedel-, opstal- en Liability insurance te combineren bij één verzekeraar profiteert u van flinke kortingen. Daarnaast heeft u één aanspreekpunt en eenvoudige administratie.
- Up to 15% package discount in combination
- Één aanspreekpunt for all your home insurance
- Één maandelijkse incasso — simpel overzicht
- Faster claims handling via één verzekeraar
What insurance do you need?
Whether you rent or own your own home: these are the insurance policies you need.
TENANT
I rent my home
As a tenant you are responsible for your own belongings and liability. The landlord insures the property himself.
Recommended insurance:
- Contents insurance — voor uw STUFF
- Liability insurance — voor schade aan derden
- Glass insurance (often via landlord's rental policy)
Tip: Have you rented an unfurnished home? Check whether the upholstery is insured by your landlord's contents or rental policy.
owner
I have my own home
Als eigenaar bent u zelf verantwoordelijk voor de woning én de spullen. Voor uw hypotheekverstrekker is een building insurance is often mandatory.
Recommended insurance:
- building insurance — vaak verplicht door bank
- Contents insurance — voor uw STUFF
- Liability insurance — voor schade aan derden
- Glass insurance (loose or in buildings)
Tip: Combine all three in a discount package and save up to 15% on your total premium.
What is covered by home insurance?
Good home insurance offers protection against various types of damage.
Brand & rook
Damage to your home or contents due to fire, lightning strike, explosion or smoke.
Water damage
Leaks, burst pipes, indoor flooding. Some policies also include rain and groundwater.
Diefstal & inbraak
Stolen items after a burglary, plus damage to the home due to burglary (door, window, lock destroyed).
Storm & hagel
Damage to roof, chimney, windows or contents due to heavy wind, hail or falling objects.
Liability
Damage that your child, pet or yourself accidentally causes to someone else. For example, neighbor's broken window.
glass insurance
Damage to windows and glass areas due to breakage. Often an additional module or included in a building policy.
Frequently asked questions about home insurance
Answers to the most frequently asked questions about home insurance.
What is the difference between home contents and buildings insurance?
The building insurance insures the building itself: walls, roof, floors, kitchen and sanitary facilities. The Contents insurance insures all your loose items: furniture, electronics, clothing, jewelry. Simply put: everything that moves with the house (buildings) versus everything you take with you when you move (contents).
Is home insurance mandatory?
Home insurance is legal not mandatory, but highly recommended. For homeowners with a mortgage is a building insurance is often mandatory door de bank. De inboedel- en Liability insurance zijn niet verplicht, maar voorkomen grote financiële tegenvallers bij brand, diefstal of schade aan derden.
What home insurance do I need as a tenant?
As a tenant you have a Contents insurance and Liability insurance necessary. The building insurance is for the landlord. For unfurnished homes, pay attention to whether the furnishings (floor, curtains) are insured through your contents or the landlord's rental policy.
How much home contents insurance do I need?
The correct sum insured depends on your total assets. A rule of thumb: add up the value of all your belongings (furniture, electronics, clothing, jewelry). For an average household this is between €30.000 and €80.000. Many insurers work with a value meter based on income, family composition and surface area of your home.
What is a benefit package?
A benefit package is een combinatie van meerdere INSURANCE bij één verzekeraar. U kunt uw inboedel-, opstal-, aansprakelijkheids- en eventueel rechtsbijstandverzekering combineren. U krijgt dan Up to 15% package discount, één aanspreekpunt and eenvoudige administratie.
What does home insurance cost on average?
The total costs depend on your situation. Global: building insurance €10-30 per maand, Contents insurance €8-20 per maand, Liability €4-8 per maand. A complete benefits package (all three together) costs on average €25-50 per maand for a family in their own home.
Is my bicycle insured through my home contents insurance?
Your bicycle is usually insured indoors (in a closed space). A bicycle is usually outside the house (on the street, at the station). not covered as standard. There is a separate one for an expensive (electric) bicycle bicycle insurance or recommend more extensive home contents cover.
What is glass insurance and is it necessary?
A glass insurance covers damage to windows, doors and other glass surfaces. Many home insurance policies already include glass cover. For tenants, this is sometimes arranged through the rental policy. Separate glass insurance is a good addition if your home has a lot of glass (conservatory, windows on the ground floor).
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