Buildings insurance (opstalverzekering) for an apartment
With a flat, the VvE (Dutch owners' association) insures the building. So you do not need buildings insurance of your own: but you do need something else.
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
What the VvE insures
The association is obliged under Article Article 5:112 of the Dutch Civil Code to insure the building. That applies to all the flats together, on a rebuild value basis.
That policy usually covers the shell condition: the building as it was handed over.
What falls in between
What you had installed yourself — a new kitchen, a glued-down floor, a bathroom, an air conditioning unit — is owner's interest. It is fixed in place and therefore not contents, but the VvE policy often covers only the original condition.
That difference can amount to tens of thousands of euros. Ask the board whether the VvE has arranged the owner's interest collectively. If not, include it on your home contents insurance.
What to look out for
Check that the VvE keeps the rebuild value up to date. If it is too low, the whole association is underinsured and every claim is paid proportionately: including one on your flat.
Ask for the policy schedule each year; as an owner you are entitled to it.
What you arrange yourself
A home contents insurance with the owner's interest section, and a liability insurance. The VvE policy does not cover your personal liability.
Independent, personal, sorted quickly
We compare your buildings insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Buildings insurance
Compare
Get coveredRead more
Within Opstalverzekering
Similar pages
- Is my kitchen covered by the buildings insurance (opstalverzekering)?
- Is a kitchen home contents or buildings?
- Is a PVC floor buildings or contents?
- Do you need buildings insurance (opstalverzekering)?
- Insuring an owner's interest in a VvE
- What exactly counts as buildings?
- Buildings insurance (opstalverzekering) for an apartment
- The VvE's buildings insurance (opstalverzekering)
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
Do I need buildings insurance of my own?
No; the VvE insures the building under Article 5:112 of the Dutch Civil Code.
What is owner's interest?
What you had installed yourself. That often falls outside the VvE policy.
How do I insure that?
As a section on your home contents insurance, unless the VvE has arranged it collectively.
What if the VvE is underinsured?
Then every claim is paid proportionately, including one on your flat.
May I see the policy schedule?
Yes; as an owner you are entitled to it. Ask for it each year.
Does the VvE cover my liability?
No; you arrange that yourself with liability insurance.