Standing empty · letting · abroad
Insuring a holiday home
A holiday home stands empty for most of the year and is sometimes let out. Both change your cover.
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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.
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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.
Standing empty is the norm
A holiday home that is unoccupied for months falls under limited cover on many policies. There are specific holiday home policies that are set up for this.
Frost damage is the biggest risk: drain the water or maintain a minimum temperature, and record that you did so.
Letting is commercial
If you let the home, even occasionally through a platform, that is commercial use. Your ordinary policy is not written for that.
Where the property is let, there is also liability towards tenants: injury caused by a defect is your risk as owner under Article 6:174 of the Dutch Civil Code.
Abroad
If the home is outside the Netherlands, the local law applies and there are often local insurance requirements. A Dutch policy does not cover that automatically.
Check which cover applies and whether liability is included in that country.
What you record
Have the property check periodically and keep a record of it. In a claim about a defect, the question is whether you could have known about it; that inspection file is your defence.
Read more
Similar pages
- Insuring a holiday home
- A mortgage for a second home
- The categories and types of holiday home insurance
- Holiday home insurance
- Buildings insurance (opstalverzekering) for a second home
- Insuring a holiday home privately through OOM Verzekeringen
- Insuring a second home through Hienfeld
- Insuring a static caravan
Frequently asked questions
The questions we are asked most often about this.
Does my ordinary policy apply to a holiday home?
Usually not; there are specific holiday home policies.
What about a long period of vacancy?
The cover is often restricted; declare the situation actively.
Do I have to report letting?
Yes, including occasional letting through a platform; that is commercial use.
What is the biggest risk?
Frost damage in an unheated property; drain the water or maintain a minimum temperature.
Does my policy apply abroad?
Not automatically; local law applies there, and often local requirements.
What is my defence against a claim?
Demonstrable periodic maintenance and checks, with the date and the findings.
What is covered and what is not
What is covered
| Situation | Ordinary personal policy | Holiday home policy |
|---|---|---|
| A fire in the cottage when nobody has been there for four months | No | Yes |
| A pipe burst after frost, when you demonstrably drained the water in October | No | Yes |
| Frost damage to the central heating system in a cottage you left full and unheated | No | No |
| Theft of the television by guests you received through a booking platform | No | Provided that |
| A tenant falls through a rotten terrace board and breaks an ankle | No | Provided that |
| Your dog bites a walker on the holiday park | Yes | No |
Your own conduct stays on the personal policy; the building and the letting belong on a policy written for holiday homes.