Almost everyone · most people · it depends
Which insurance does an average household have?
Almost everyone has a few policies, most people have a few more, and the rest depends on your situation.
Deze pagina in het Nederlands: Welke verzekeringen heeft een gemiddeld huishouden?.
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Almost everyone
The basic health insurance, because it is compulsory.
A liability insurance, because the premium is low and the risk large.
A home contents insurance, because almost every household owns more than it can comfortably replace.
Most people
A car insurance if there is a car; third-party liability cover is then compulsory.
A buildings insurance with a home you own, usually at the lender's request.
A travel insurance, on an annual basis for those who go away regularly.
Depending on your situation
Legal expenses for those who run a risk of disputes. Term life if there are people who depend on your income. Valuables above the sub-limit on your contents policy.
For the self-employed, disability insurance; for that group it is often the most important policy.
What most people are missing
Up-to-date sums insured. In the majority of households the contents sum is years old while all kinds of things have been added since; that means underinsurance for every claim.
Frequently asked questions
The questions we are asked most often about this.
Which insurances does almost everyone have?
Health, liability and home contents.
What usually comes on top of that?
Motor, buildings with a home you own and travel insurance.
What depends on my situation?
Legal expenses, term life, valuables and, for the self-employed, disability insurance (AOV).
What is most often missing?
Up-to-date sums insured; for most people they lag behind.
Is liability insurance compulsory?
No, but almost everyone has it because of the risk.
What is the most important policy for the self-employed?
Usually disability insurance (AOV).
What is covered and what is not
Which of the two pays?
| Situation | Home contents insurance (inboedelverzekering) | Liability insurance |
|---|---|---|
| Your child breaks the neighbours' window while playing football | No | Yes |
| Burglars take your television and laptop | Yes | No |
| Your washing machine leaks and damages the ceiling of the flat below | No | Yes |
| A fire in your flat destroys your furniture | Yes | No |
| Your bicycle is stolen at the station | Provided that | No |
| You drop your own phone on the kitchen floor | Provided that | No |
Two policies that almost every household has cover different sides of the same event.