Rebuild value
- Not the market value
- Not the WOZ value (the Dutch property valuation)
- Guarantee against underinsurance
Home package
A home package brings buildings, contents, liability and often legal expenses under one policy number, with one main renewal date and one claims handler.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
A home package is not a separate insurance policy but a bundling of sections with the same insurer. Each section keeps its own conditions, its own sum insured and its own excess. What you gain lies in the administration and in the fit between the sections.
The second of those is the real argument. A leak affects both the building and the contents. A break-in damages window frames and takes belongings as well. Within one package you report that once and the handler splits the loss across the sections, instead of two insurers pointing at each other over what is structure and what is contents.
There is a downside to one policy too: arrears of payment or an incorrect declaration on the application work through into all sections at once. If you are insuring a home that you let out, it does not belong in a private home package but on a policy for a let property.
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We compare your insurance package 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 a home package 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?
- Number of sections included. Insurers use sliding scales: the more sections on one policy, the higher the package discount they apply.
- Rebuild value of the building. The buildings section is usually the heaviest item in the package and works from the rebuild value, not the market value.
- Contents sum insured and valuables. Jewellery, audiovisual equipment and collections have a separate section limit and sometimes call for a separate declaration.
- Composition of the household. The liability and legal expenses sections differ in premium for a single person or a family with children living at home.
- Address and preventive measures. Burglary-resistant locks and fittings, smoke alarms and an alarm system count in both the buildings and the contents section.
- Excess per section. You do not choose this once for the package. Each section has its own choice, which affects the premium separately.
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.
The gain lies at the seams between the sections
With a burst pipe, the buildings section pays for the pipe, the ceiling and the fixed sanitary ware. The contents section pays for the floor covering, the sofa and the appliances. Separate policies with two companies produce two files and a dispute about the boundary. Just as important are the items that fall between the two: tenant's improvements, an owner's interest in a flat, and glass. When applying, have it recorded which section those items run in.
The liability section covers what the buildings policy does not
As the owner of a building, you are, under Article 6:174 of the Dutch Civil Code liable for damage caused by a defective structure: a loose roof tile that hits a parked car. Your buildings policy pays for your own roof, not for that car. That runs through the liability section, as does damage caused by your children (Article 6:169 of the Dutch Civil Code) or your dog (Article 6:179 of the Dutch Civil Code). In a package that section is included as standard.
A package does not clear away any exclusions
Each section keeps its own exclusions. Outside the cover remain, among other things, groundwater entering through the floor or cellar wall, wear and outstanding maintenance, damage caused by an inherent defect and damage to foundations, garden landscaping and paving, and glass for as long as it has not been declared. On top of that, the general grounds apply: intent and recklessness (Article 7:952 of the Dutch Civil Code) and late notification (Article 7:941 of the Dutch Civil Code). Bundling widens none of these provisions.
Judge the package section by section, not as a whole
A package discount sometimes masks a weak section: legal expenses covers differ widely in waiting period, areas of dispute and whether you may choose your own lawyer. Include only the sections you need; legal expenses cover sometimes already runs through a trade union. An incorrect or incomplete declaration on the application also affects the whole package under Article 7:928 of the Dutch Civil Code, not just the section the question related to.
Frequently asked questions
This is what people ask us most.
Can I cancel one section and keep the rest?
Usually yes, but the package discount then drops back to the scale that goes with the lower number of sections. The remaining sections simply continue until their own contract term ends. Ask in advance what premium you end up with after the cancellation; otherwise ending a small section gains you little on balance.
With a leak: which section pays what?
Everything fixed to the fabric belongs to the buildings section: pipes, ceilings, tiling and the fitted kitchen. What you would take with you when moving falls under contents: furniture, curtains, appliances and loose floor covering. Tracing and repairing the break itself runs through the buildings section. Within one package you report this as a single claim.
I let a room in my home. Does that fit in a home package?
Only if you report it. Letting a room changes the risk, and most private home packages assume you occupy the property yourself. Report it on the application or during the term; otherwise you run into Article 7:928 of the Dutch Civil Code. If you let the whole property, see letting a house and buildings insurance.
What happens if I miss a premium payment?
That affects the whole package. Because all sections run on one policy number and one direct debit, the insurer suspends not one cover but the entire policy if arrears continue. At that moment you are without buildings, contents and liability cover all at once. With separate policies at different companies, only the unpaid policy would fall away.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- Insurance package for private individualsOne policy schedule, package discount, separate conditions
- The personal insurance packageOne policy schedule, sections, package discount
- The home package for private clientsBuildings, contents, liability
- VvE packageOne policy, all sections, one file
- Compare personal insurance packagesOne policy schedule, package discount, one point of contact
- Compare exclusive insurance packagesOne policy, one point of contact ·. A valuation as the basis
Read more
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.