Insurance > Home insurance in the Netherlands

Home insurance in the Netherlands

There are several options for insurance concerning houses (in dutch called Opstal). For example, a bricks and mortar insurance (called opstalverzekering) covers damage to your house, such as damage caused by fire. This type of insurance is not compulsory in the Netherlands. However, if you wish to get a mortgage, a homeowner's insurance policy will most likely be required.

Home insurance in the Netherlands
Insurance: Home insurance in the Netherlands

Another non-compulsory type of house insurance which you could opt for is fire and theft insurance (called inboedelverzekering). This insurance covers all your belongings that are inside your house such as your computer or television. For more valuable objects, a high-value items insurance (called kostbaarhedenverzekering) would be more advisable. This insurance covers expensive valuables such as art collections.

Recommened Insurance Companies

Centraal Beheer

Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for home, car, your bike and much more.


InShared was founded in 2009 as an online insurer and became one of the most successful insurers in the online market. The go-to market strategy of online differs a lot from the traditional channels, and within this InShared made some clear choices.


Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.

This page was last updated: 02/14/2023.