Do you need buildings insurance (opstalverzekering)?
If you own a home, you can rarely avoid it. If you rent, you do not need it.
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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
As a homeowner
Not compulsory by law, but your mortgage lender almost always requires it, naming itself as an interested party on the policy. Without a policy, completion usually does not go ahead.
Even without a mortgage it is sensible: your home is usually your largest asset and rebuilding after a fire runs into hundreds of thousands.
As a flat owner
The VvE then insures the building; under Article 5:112 of the Dutch Civil Code that is a statutory duty of the association.
You do not need a buildings policy yourself, but you do need the owner's interest section for what you had installed yourself — that often falls outside the VvE policy.
As a tenant
Then your landlord insures the property. You need home contents insurance with the tenant's improvements section for what you installed yourself.
With a garage unit or second home
A separate garage unit does not fall under your home policy. It is a separate object. A second home or holiday home calls for its own policy, often with a vacancy provision.
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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.
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Within Opstalverzekering
- Opstalverzekeringthe main page
- Heeft iedereen een opstalverzekering
- Buildings insurance (opstalverzekering) required by a mortgage, VvE or ground lease
- Wat is opstalverzekering appartement
- Is een opstalverzekering verplicht
- Is aansprakelijkheidsverzekering hetzelfde als opstalverzekering
- A flat and buildings insurance (opstalverzekering)
Similar pages
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- Home contents and buildings: what is the difference?
- Is buildings insurance (opstalverzekering) compulsory?
- Buildings insurance (opstalverzekering) required by a mortgage, VvE or ground lease
- Is a kitchen home contents or buildings?
Also relevant
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.
Is buildings insurance (opstalverzekering) compulsory?
Not a legal requirement, but your mortgage lender will almost always require it.
Do I need one as a flat owner?
No; the VvE insures the building. You do need the owner's interest section.
And as a tenant?
No; but you do need home contents insurance with tenant's interest.
What about a garage unit?
A separate unit is a separate object and does not fall under your home policy.
Sensible even without a mortgage?
Yes; rebuilding after a fire runs into hundreds of thousands.
What about a second home?
It calls for its own policy, often with a vacancy provision.