Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
Home insurance through Nationale-Nederlanden
A home insurance bundles two very different things in one policy: the building that stays put and the belongings you carry out of it when you move.
- 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
The buildings cover is about everything fixed to the home: foundations, walls, roof, central heating system, kitchen and sanitary ware. The contents cover is about the rest. You insure the building on rebuild value, the contents on replacement value as new. Glass breakage, garden landscaping, solar panels and belongings away from the home are not automatically included, but can be added to most packages.
As the owner you also carry a strict liability for the building. If a roof tile or a facade panel falls down and someone is injured, you are liable under Article 6:174 of the Dutch Civil Code, even without any fault on your part. That damage to third parties runs not through the home insurance but through your liability insurance.
Structurally outside the cover remain damage from deferred maintenance, persistent damp and groundwater entering through the floor or a cellar wall, construction faults, vermin and mould, and damage arising during a refurbishment the insurer did not know about.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
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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
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
- Employers' liability at the client's premises
- Product liability
- Agency workers, interns & volunteers
- Care, custody and control (property in your care)
Complete package
The most complete cover. We compare Nationale-Nederlanden's extended version with the market.
- Environmental impairment (unforeseen, limited)
- Retroactive cover (prior risk)
- Higher sums insured
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?
- Rebuild value and contents value. The two sums insured form the basis. A larger house with a more expensive finish weighs more heavily.
- Construction type and roof covering. Brick with a hard roof covering is assessed differently from timber or thatch, for which extra requirements often apply.
- Postcode and location. Burglary figures, the chance of water damage and the distance to open water and to the fire service all count.
- Modules chosen. Glass, garden, solar panels, valuables and cover away from the home are added separately.
- Security and state of maintenance. Certified locks and fittings, smoke alarms and the state of the roof and window frames influence acceptance and premium.
- Excess chosen. A higher excess per event lowers the premium. For storm a separate amount often applies.
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.
Rebuild value and the risk of underinsurance
The building is insured on rebuild value: what it costs to build the same house again on the same spot. If that amount is set too low, the insurer pays proportionately, even on a small claim. A rebuild value calculator or a valuation prevents that. Include the foundations and the outbuildings, and report refurbishments that raise the rebuild sum, such as an extension, a dormer window or a converted loft.
Water damage: the cause determines everything
A burst pipe is covered; water coming in through the ground floor or a cellar wall usually is not. A sewer backing up, a blocked gutter, a leaking seal in the shower and damp seeping through slowly fall outside the cover with most insurers. Repairing the pipe itself is also something other than repairing the consequential damage to the floor and ceiling; check which of the two is included.
Contents on replacement value as new, but with sub-maximums
The contents are insured on replacement value as new, with exceptions. Separate maximums apply for jewellery, cash, collections, audiovisual equipment and belongings in a shed, garage or on the balcony. Anything above that you insure separately or not at all. With theft without signs of forced entry, often nothing is paid. Keep purchase receipts and photographs outside the home, digitally for example, because after a fire the evidence has burned with it.
A void, letting rooms and refurbishment change the risk
If the home stands empty for a longer period, you let a room or major refurbishment work is carried out, the risk the insurer accepted changes. You have to report that. If you do not and fire or water damage arises, the payment can be limited. For an incorrect statement when applying, Article 7:928 of the Dutch Civil Codeapplies; if it turns out afterwards that you withheld information, Article 7:930 of the Dutch Civil Code gives room to refuse.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Is glass breakage included as standard?
Often not. With many home packages glass is a separate module. If that is missing, you pay for a broken window yourself. What is insured is the glass in the facade or the roof. A mirror, a glass table top or an aquarium belongs to the contents. Windows in a conservatory or an outbuilding are not automatically included, so check that separately.
I rent my home. Do I need buildings cover?
No, the owner insures the building. You insure your contents. You are, however, responsible for what you have fitted yourself, such as a kitchen, a bathroom or a floor you have laid. Those tenant's improvements can be insured on the contents cover. Damage you cause to the rented property falls under your liability insurance and not under this policy.
Are solar panels covered as well?
Panels fixed to the roof belong to the building, but only count if the rebuild value has been adjusted for them. Loose panels, a frame on a flat roof and a home battery often fall outside. Damage from fire and storm is normally covered; loss of output, ageing and a faulty inverter are not.
What does the policy pay after a storm?
Storm damage to the building is covered from the wind force stated in the conditions, usually with an excess per event. Roof tiles blown off, a fence blown over and a damaged dormer window fall under it. Damage from deferred maintenance does not: a roof or facade that already showed defects is regarded as a maintenance defect and not as storm damage.
Every situation is different. For these situations we have a separate page.
Read more
Within Why we work with different insurers
Similar pages
- Construction insurance through Nationale-Nederlanden — compare & calculate your premium
- Liability insurance for self-employed professionals through Nationale-Nederlanden — compare & calculate your premium
- Buildings insurance (opstalverzekering) through Nationale-Nederlanden — compare & calculate your premium
- Liability insurance through Nationale-Nederlanden — compare & calculate your premium
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.