Usually not. A buildings and contents policy is tied to one risk address and to permanent occupation. A second home needs a separate policy, with provisions about unoccupied periods and sometimes a higher excess. With a property abroad there is also the question of which law applies and whether local insurance is compulsory.

Then the situation differs from the one stated in the application. Under Article 7:930 of the Dutch Civil Code the insurer can reduce the payout in proportion to the premium it would have charged had you declared correctly, or refuse it altogether if it would not have accepted the risk at all. With letting through a platform, that is moreover easy to prove.

Only if a separate section has been arranged for them. The contents cover on your main home applies away from that address at most temporarily and to a limited extent. For a holiday home there is separate contents cover, often with a lower limit for audiovisual equipment and jewellery and with a requirement that such items are not left behind while you are away.

If it is due to a defect in the building, such as a loose handrail or a sunken terrace, you as owner bear the strict liability under Article 6:174 of the Dutch Civil Code, even without fault. An ordinary personal liability insurance usually does not cover that where the property is let, because it is then no longer a purely private risk. Arrange separate cover for it.