Home contents insurance provides sound cover in most cases for damage to your household effects caused by theft, fire and storm, for example. Such as your brand new furniture. Or your bicycle in the shed.
You can easily combine your home contents insurance with home and liability insurance. They fit together perfectly, so you can be sure that you are properly insured.
Basic and all-risk
With this cover, your mobile phone, laptop, tablet and smartwatch are all-risk insured in the Netherlands.
With allrisk
Insured against all glass damage. Even if your child breaks your window with a ball, for example.
Please provide us with your address details and answer a few questions about your home. Please also provide details of the persons living at this address and your date of birth.
In addition to home contents insurance, you can also take out home insurance and liability insurance straight away. You can also select additional cover.
After you have completed the steps, your premium will be displayed. You can then immediately log in and apply for the insurance. You decide when the insurance takes effect.
Please provide us with your address details and answer a few questions about your home. Please also provide details of the persons living at this address and your date of birth.
In addition to home contents insurance, you can also take out home insurance and liability insurance straight away. You can also select additional cover.
After you have completed the steps, your premium will be displayed. You can then immediately log in and apply for the insurance. You decide when the insurance takes effect.
You will only have to pay an excess in the event of:
If you select all-risk cover when applying for the policy, you will have an excess of €100 for specific all-risk claims. This excess also applies to the additional all-risk cover for mobile devices and personal possessions.
In addition, you can select a voluntary excess of €100, €250 or €500. This additional excess applies per incident. You will receive a discount on your premium, but you will also receive less compensation in the event of a claim. If you apply for home contents insurance online, you will not receive an offer for a voluntary excess. However, you can select this after the application process is complete. You will receive more information on this. Underinsurance guarantee
In the Netherlands, your belongings inside your home are insured by a guarantee against underinsurance. This is irrespective of the value of your home contents at the time of the damage. For some incidents, different amounts apply:
A maximum insured amount of €150,000 per case or collection always applies. Check the policy and terms and conditions to see what maximum amounts apply for specific items and events.
Do you have valuable household effects? From 1 March 2023 you can take out additional theft cover by telephone. Then these insured amounts apply:
If your damage is covered, other costs will be reimbursed as well, such as reasonable expert fees and costs you incur in order to reduce or prevent imminent damage. To find out which costs are covered, please call us in advance. View the terms and conditions for the scope of cover and exclusions.
Want to find out how much you will be paid in the event of a claim? The depreciation list shows you the average lifespan of each product and the depreciation rate per year.
Premium
The premium is specific to each situation and can vary depending on the type of house you want to insure and your family situation.
Commission
ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. More information about our services: Non-Life Insurance Information Sheet
Insurance tax
You pay 21% insurance tax on the ABN AMRO Home Contents Insurance premium and fees. This will be factored into your premium calculation. Basic or all-risk
The basic cover insures you against incidents such as fire, burglary and water damage. All-risk cover also insures all damage caused by other sudden and unexpected events – even if they arise due to your own fault. You might accidentally knock over your television, for example. With all-risk cover, you will have an excess of €100 for all-risk claims. Some damage is never insured, such as damage caused intentionally. The terms and conditions specify what is and is not covered.
Please note that you can only select additional personal possessions cover and glass cover if you have an all-risk policy.
During the online application process
During the online application process, you select either basic or all-risk cover. After your application, you can always change your home insurance policies (e.g. from basic to all-risk cover) or expand it (e.g. with personal possessions cover). If you apply for home insurance at the same time as applying for your home contents insurance, the same cover applies to both: basic or all-risk.
If you would still prefer to have different cover per insurance, please contact us for a personal quote.
Read the terms and conditions carefully first so you have all the information you need before you decide.
Want to check the most relevant cover information? You can find it in the insurance information sheet. It has been drawn up in accordance with European guidelines. It is an easy-to-use tool to help you compare insurance policies.
If you took out your ABN AMRO Home Contents Insurance policy before 4 September 2006, find out more about the cover and terms and conditions that apply to you .
If you took out your ABN AMRO Home Contents Insurance policy between 4 September 2006 and 29 April 2012, find out more about the cover and terms and conditions that apply to you .
If you took out your ABN AMRO Home Contents Insurance policy between 29 April 2012 and 19 May 2019, find out more about the cover and terms and conditions that apply to you .
