Basic cover
- Fire & lightning strike
- Storm & precipitation
- Explosion & induction
- Smoke & soot damage
Buildings insurance through Nationale-Nederlanden
Nationale-Nederlanden's buildings product is the standard form for the owner-occupier: the value follows from a completed rebuild value calculator and a guarantee against underinsurance is attached to it.
- 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
With this form you do not set the sum insured yourself. You complete a rebuild value calculator with the volume of the home, the year of construction, the number of floors, the roof covering and the level of finish. On that basis the insurer works out the rebuild value. As long as the calculator is completed correctly and in full, a guarantee against underinsurance applies: if a claim reveals that the sum was too low, the full loss is still paid.
That guarantee is conditional. If the volume declared is wrong, if an extension or dormer window has not been reported, or if the home has since been finished to a higher standard, the guarantee lapses and payment is proportionate. We go through the calculator with you and diarise that it is completed again after a refurbishment. See also the general explanation on our page buildings insurance.
Buildings insurance covers the building, not your belongings inside it. Floor coverings, curtains and appliances belong to the home contents insurance. The line between the two does not always run where people think: a run of kitchen units and sanitary ware belong to the structure, a free-standing cupboard does not.
Independent, personal, sorted quickly
We compare your buildings 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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Through Finass or direct with Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as fire and storm, also burglary, theft and water damage to your home.
- Burglary, theft & vandalism
- Rebuilding at rebuild value
- Glass breakage
Comprehensive cover
The most complete cover. We compare Nationale-Nederlanden's extended versions with the market.
- Clearance costs & costs of mitigating the loss
- All external causes
- Solar panels & installations & paving
- Solar panels & installations
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 | Provided it is declared | Yes |
| Groundwater coming through the floor | No | No |
| Wear and deferred maintenance | No | No |
What we do
| What we do | At Finass | Direct with Nationale |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Nationale is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Result of the rebuild value calculator. Volume, number of floors and level of finish together determine the sum insured.
- Year of construction and state of maintenance. Older homes with wooden floors and old wiring are assessed differently.
- Roof covering and construction type. Brick with tiles against timber or thatch: the fire risk differs considerably.
- Postcode area. Burglary figures and the likelihood of storm and hail damage differ by region.
- Solar panels and fixed installations. Panels on the roof, a heat pump or a charging point are weighed separately.
- Type of cover and excess chosen. Extended or all-risks, and the amount you bear yourself per event.
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 rebuild value calculator is a declaration, not a form-filling exercise
Everything you enter in the calculator is information on which the insurer bases its acceptance. If you forget the extension, the dormer window or the garage, the calculated value is too low and the guarantee against underinsurance lapses at precisely the moment you need it. Enter the volume from the building drawings, not by feel, and update the calculator after every extension or major renovation.
A flat or a family home: those differ entirely
If you live in a flat, the owners' association insures the whole building on one buildings policy. You do not take out a second buildings policy alongside it. That creates double cover which does not pay out twice. What you do arrange separately is the owner's interest: improvements you have made in your own flat, such as a new kitchen or bathroom, and the excess the VvE can charge on to you.
Water from the pipe yes, water from the ground no
A burst pipe, a leaking cylinder or a failed washing machine connection falls within cover, including the breaking out and making good needed to trace the leak. Water coming in at ground level or through the crawl space falls outside it: groundwater, sewage backing up and flooding from a watercourse are excluded as standard. We explain that difference on our page about water damage and buildings insurance.
What a home policy structurally does not cover
Outside cover: repairs to foundations due to ground settlement, drying out or pile rot, damage resulting from deferred maintenance to the roof, gutters or pointing, and attack by vermin, woodworm or dry rot. Wear and tear of window frames and slowly penetrating damp also fall outside. If you let rooms or the whole home, the risk changes and you must report this under Article 7:928 of the Dutch Civil Code.
Business interruption insurance
Machinery & installations
Frequently asked questions
This is what people ask us most.
Does the guarantee against underinsurance always apply?
No, only as long as the rebuild value calculator is completed correctly and in full and is up to date. If it emerges after a claim that the volume was understated or that an extension is missing, the guarantee lapses and payment is proportionate. So complete the calculator on the basis of actual measurements and update it as soon as you extend, finish a cellar or raise the level of finish.
Are solar panels on my roof included?
Panels permanently mounted on the roof are usually regarded as part of the structure. That is not automatic, however: some policies name them separately or set a limit on the number. Always report the installation, not least because the weight and the fixing are relevant to the insurer. Lost generation income after a claim is in general not paid.
Who insures the building if I own a flat?
The owners' association takes out one buildings policy for the whole block. Those costs run through your service charge. You do not take out a buildings policy of your own alongside it. What is sensible is cover for owner's interest, for the kitchen, bathroom or floor you installed yourself, and for the excess the VvE can charge on to you after a claim.
Does the policy cover repairs to foundations affected by pile rot?
No. Pile rot, ground settlement and subsidence through drying out are gradual processes and not a sudden event; home policies exclude them. What is covered is damage to foundations that is the direct result of an insured cause, for example an explosion. When buying a home in a risk area, a structural survey is more useful than expecting the insurance to absorb this later.
Every situation is different. For these situations we have a separate page.
- Compare buildings insurance (opstalverzekering)The main page
- VvE buildings insurance through Avéro Achmea
- Buildings insurance (opstalverzekering) for an apartmentThe VvE insures the building, owner's interest, excess
- Buildings insurance (opstalverzekering) for your own home: what counts as buildings and structures?Rebuild value, outbuildings, excess
Read more
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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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.