Liability with a second home
A second home stands empty for most of the year. Your liability as the owner does not stand still.
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Work out for yourself what it would cost.
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- 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
You remain the possessor
Article 6:174 DCC makes the possessor liable for damage caused by a defect in the structure. That is strict liability: whether you knew of the defect is irrelevant.
A roof tile that comes loose, a rotten handrail, a slippery jetty at a holiday home: where there is injury, the loss is calculated over the victim's whole life.
Letting is not private life
If you let the home, even occasionally through a platform, that is commercial use. Your personal liability insurance was not written for that and can refuse cover.
Report the letting and have it recorded which cover applies to it.
Maintenance at a distance
A property you rarely visit deteriorates without you noticing. Have it inspected periodically and record what was checked and when.
When a claim comes, the question is whether you could reasonably have known of the defect. That inspection file is your only defence.
Abroad
If the home is outside the Netherlands, the local law on liability, which can differ considerably. Check whether your policy covers that country and up to what amount.
Independent, personal, sorted quickly
We compare your personal liability insurance (AVP) 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.
Personal liability insurance (AVP)
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Within Aansprakelijkheidsverzekering
- Aansprakelijkheidsverzekeringthe main page
- Verhuur en aansprakelijkheid waarom een aansprakelijkheidsverzekering onmisbaar is voor vastgoedeigenaren
- What is third-party liability?
- Wat is het doel van aansprakelijkheidsbescherming in het dagelijks leven
- Aansprakelijkheidsverzekering aansprakelijkheid en overige varia
- Premises liability insurance
- How liability insurance protects you against risks
Similar pages
- Letting and liability: what a property owner risks
- Premises liability insurance
- Liability and other miscellaneous risks: which cover belongs where?
- Liability insurance for business premises and homes: choosing the cover
- What is the purpose of liability insurance?
- Liability in property and real estate
- Why liability insurance is essential in the Netherlands
- Why liability insurance is essential for expats in the Netherlands
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.
Am I liable while the property is empty?
Yes; as the possessor you carry strict liability for defects, whether or not you are there.
Does my personal policy cover letting?
Usually not; letting is commercial use and has to be reported.
What is my defence against a claim?
Demonstrable periodic maintenance and inspection with the date and the findings.
What applies to a property abroad?
The local law on liability; check whether your policy covers that country.
Do I have to report letting?
Yes, including occasional letting through a platform.
What about injury to a tenant?
That is liability with amounts calculated over the victim's whole life.