What is Building Insurance?
A Building insurance protects your home and all fixed components against damage caused by fire, storm, water damage, burglary and other calamities. The insurance not only covers the walls and roof, but also fixed parts such as your kitchen, bathroom, central heating boiler, floors, window frames and pipes.
In the event of damage, the building insurance will reimburse the costs repair or rebuilding costsso that you are not faced with unexpected high expenses. Whether your window is smashed during an attempted burglary, a fire breaks out in your kitchen, or a storm causes damage to your roof – you are protected with the right home insurance.
Bee Finass Insures we compare home insurance policies from all Dutch insurers. This way you will always find the best coverage for the lowest premium, with personal advice from our experts.
What does Home Insurance cover?
Good home insurance provides comprehensive protection for your home. These are the most important coverages:
Fire & Explosion
Coverage for damage caused by fire, smoke, soot, lightning strike and explosion. Including firefighting water and soot damage.
Storm & Hail
Protection against damage caused by storms (wind force 7+), hail, snow pressure and precipitation damage to your home.
Water damage
Coverage for leaks, pipe bursts, overflow damage and water damage from defective appliances.
Burglary & Theft
Compensation for burglary damage to doors, windows and locks after a burglary or attempted burglary.
Collision & Collision
Damage caused by a vehicle collision or a vessel colliding with your home.
Air traffic
Coverage for damage caused by crashing aircraft, drones or parts thereof.
Glass breakage (optional)
Additional coverage for glass damage to windows, doors, skylights and other glass surfaces.
Solar panels
Coverage for damage to solar panels that are permanently mounted on your roof, including cabling.
How do you compare Home Insurance?
In four simple steps you will find the best home insurance for your situation:
Determine Reconstruction Value
Calculate the reconstruction value of your home with the Reconstruction Value Meter.
Choose your Coverage
Basic, extended or all-risk? Determine which coverage suits you.
Compare Providers
Compare premiums and conditions from 30+ insurers.
Exit Immediately
Choose the best insurance and take out online or ask for advice.
Coverage types Compared
Home insurance policies come in different types of coverage. Below is what each variant covers:
| Covered damage | Basic | Extensive | All risk |
|---|---|---|---|
| Fire, explosion & lightning | ✓ | ✓ | ✓ |
| Storm & Hail | ✓ | ✓ | ✓ |
| Burglary & vandalism | ✓ | ✓ | ✓ |
| Water damage (leakage) | - | ✓ | ✓ |
| Collision & Collision | - | ✓ | ✓ |
| Falling objects | - | ✓ | ✓ |
| Unforeseen damage | - | - | ✓ |
| Own defect / wear and tear | - | - | ✓ |
💡 Tips for Choosing Home Insurance
Determine the Correct Reconstruction Value
Use the Reconstruction Value Meter to prevent underinsurance.
Don't Compare Just on Price
Also look at coverage, conditions and deductible.
Report Solar Panels & Renovations
Report changes to remain properly insured.
Consider a Housing Package
Combine building + contents for a package discount of up to 15%.
Check the Glass Coverage
Glass breakage is often optional – consider this on many windows.
Choose the Correct Deductible
A higher deductible = lower premium, but you pay more yourself in the event of damage.
Building insurance per property type
We offer specialized home insurance for every type of home:
