Rebuild value
- Not the market value
- Not the WOZ value (the Dutch property valuation)
- Guarantee against underinsurance
Holiday home insurance
Holiday home insurance (recreatiewoningverzekering) brings together the covers that go with a property you stay in from time to time and sometimes make available to others.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
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
In brief
The difference from stand-alone buildings cover lies in what else is at play with a holiday home: contents left unattended for months, guests staying there and a letting arrangement that makes you commercial in an insurer's eyes.
A package therefore consists of several sections that you can switch on and off separately: buildings, contents, liability as owner and sometimes legal expenses insurance (rechtsbijstandverzekering). If you let through an agent or a platform, that is no longer private use and every section has to be set up accordingly.
If you are only concerned with the structure, the outbuildings and the rebuild value, see the buildings insurance for a holiday home.
Independent, personal, sorted quickly
We compare your holiday home 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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What does holiday home insurance cover?
The structure of the cover in three parts, with an overview per situation below.
What is included
Everything permanently attached to the building.
- Building and installations
- Outbuildings
- Boundary fences
Extensions
What is excluded as standard.
- Glass
- Garden landscaping
- Inherent defect and foundations
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Fire, smoke and lightning strike | Yes | Yes |
| Storm from force 7 upwards | Yes | Yes |
| Water damage from a burst pipe | Yes | Yes |
| Glass breakage | Sometimes | Yes |
| Groundwater coming through the floor | No | No |
| Wear and deferred maintenance | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Sections chosen. Buildings, contents, liability and legal expenses are each priced separately.
- Let out or not. Third parties staying for payment change the risk profile of every section.
- Number of weeks of your own use. The more often the property is occupied, the shorter the periods without supervision.
- Contents value and security. What is left behind and what locks and fastenings have been fitted.
- Location and park management. A supervised park weighs differently from a solitary unit in open country.
- Excess per section. The excess can differ for each part of the package.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
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.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Contents in a property that stands empty
Theft cover on virtually every policy requires signs of forced entry. A key kept with the neighbours or an agent and then misused does not produce those signs. Keep track of which keys are in circulation and have cylinders replaced when keys change hands. Separate limits also apply to audio equipment, bicycles and tools; do not leave valuable items in the property permanently.
Liability towards your guests
If a guest falls through a rotten stair tread or a loose handrail, you as the owner of the building are liable under Article 6:174 of the Dutch Civil Code. For your own mistakes Article 6:162 DCC applies. Personal liability insurance almost always excludes damage connected with letting. Arrange a separate section for that and keep records of periodic checks of stairs, railings and installations.
Letting through an agent or platform
As soon as third parties stay in the property for payment, it is commercial use. You must declare that, even if it is only a few weeks a year. Pay attention to how the policy deals with tenants' behaviour: deliberate damage and fouling by guests are usually excluded. A deposit arrangement and an inventory check on departure are then your only means of recovery.
What the package does not arrange
A holiday home package does not cover cancelled bookings, lost rental income where the cause itself is not covered, and nothing on the communal facilities of the park: the swimming pool, the roads and the utility connections remain the park owner's. Your car on the plot and guests' luggage also fall outside it. Ask the park what collective cover is in place there.
Frequently asked questions
This is what people ask us most.
Does my personal liability insurance cover the letting?
Almost never. Personal liability insurance is written for you and your family in a private capacity; as soon as you provide accommodation for payment, that falls outside the description. If you do not declare it and a guest is injured, you carry the loss yourself. So include a liability section that expressly names the let property and the guests.
Is theft covered if there are no signs of forced entry?
Usually not. Policies require signs of forcing of doors or windows, precisely because an empty holiday home is hard to keep under control. If items disappear while a guest or cleaner had a key, the contents section does not come into play and the only remedy is recovery from whoever had the key. So limit the number of keys in circulation.
What happens if the park lets the property?
Then the park acts as agent and you remain the owner and the policyholder. The letting must be on your policy, even if the park handles the bookings and hands out the keys. Also ask what the agency agreement says about damage by guests and about the deposit. That agreement determines what you can recover from the tenant of the moment.
Do I still need buildings cover alongside this?
The buildings cover is usually a section within the package, so a second policy is not needed. The rebuild value does have to be stated correctly there, including the store and the canopy. What else is involved with a chalet or a unit on a rented plot is explained on the page about the buildings insurance for a holiday home.
Every situation is different. For these situations we have a separate page.
- A mortgage for a second homeBox 3, part-time occupation, letting
- Insuring holiday homes for business use through OOM VerzekeringenLetting, guest damage, loss of turnover
- Insuring a holiday home through Turien & CoPark rules, construction type, clause sheet
- Insuring a holiday homeStanding empty, letting, abroad
- The categories and types of holiday home insuranceChalet, holiday home, letting and standing empty
- Insuring a holiday home privately through OOM VerzekeringenOwn use, winter shutdown, foundation risk
- Insuring a second home: buildings, contents and liabilityLimited occupation, standing empty, frost damage
- Insuring a second home through HienfeldAbroad, standing empty, local requirements
- Buildings insurance (opstalverzekering) for a holiday homeHoliday policy, letting, abroad
Insurers we compare
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
Read more
Everything on this topic
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.