Buildings insurance (opstalverzekering)
- The basis is the rebuild value
- Fire, storm, water and burglary damage
- Name outbuildings separately
- A valuation for unusual properties
The home package for private clients
A home package brings the insurance around your house together on one policy, with one start date, one point of contact and usually a package discount.
- 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
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
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. The individual covers continue to exist with their own conditions, but sit on one policy schedule with one premium due date. The core almost always consists of buildings insurance for the building, the home contents insurance for your belongings and personal liability insurance. Legal expenses, glass, valuables and a home assistance service can be added.
The practical advantage lies in the fit. If you insure buildings and contents with the same insurer, there is no dispute at a claim about the boundary between the two: a kitchen, floor, central heating system and blinds simply cannot always be classified unambiguously. Glass, too, is often covered on two policies at once; in a package you avoid paying for it twice. Insurers also usually give a package discount that rises with the number of parts. The level differs from one provider to another.
Bundling is no reason to be less critical. Each module keeps its own sum insured, excess and exclusions. So check for each part whether the amount is right, and not just whether the total is attractive. Also look at separate buildings insurance and the the wider insurance package if you want to include more than just your home.
Independent, personal, sorted quickly
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 consist of?
Three parts form the core. The rest are extensions you weigh up according to your situation.
Home contents insurance (inboedelverzekering)
Covers everything not fixed to the fabric, from furniture to electronics.
- Sum insured set with a contents calculator
- Jewellery and audiovisual items limited
- Only limited cover away from home
- Include valuables separately
Liability and legal expenses
Covers damage you or your family cause to others, plus legal assistance.
- Based on tort, Article 6:162 of the Dutch Civil Code
- Also liability as possessor of the structure
- Family cover including children
- Legal expenses cover often with a waiting period
What is covered
| Situation | Basic package | Extended package |
|---|---|---|
| Fire, storm and water damage to the home | Yes | Yes |
| Theft of contents following forced entry | Yes | Yes |
| Liability for damage to third parties | Yes | Yes |
| Breakage of glass in windows and doors | Provided that | Yes |
| Jewellery, art and collections above the limit | No | Provided that |
| Subsidence, pile rot and deferred maintenance | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Rebuild value of the home: the basis of the buildings module
- Contents sum insured: established with a contents calculator
- Number of package parts: determines the package discount
- Postcode area: burglary, storm and water risk
- Type of cover per module: extended or comprehensive
- Excess and extensions: glass, valuables, legal expenses
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
Four points when putting your package together
Bundling only pays off if each part is right on its own.
A discount is not a quality mark
A package discount usually rises with the number of parts, but says nothing about the conditions. Compare the type of cover, the excess and the limits module by module. A discounted package in which the contents sum is too low or glass is missing is more expensive than it looks. Check too whether the discount lapses as soon as you cancel one part.
Set the boundary between buildings and contents properly
A kitchen, bathroom, floor, boiler, blinds and solar panels usually belong to the buildings; loose furniture, appliances and rugs to the home contents. In a rented home that boundary shifts: improvements you have made yourself are then insured as tenant's improvements on the contents policy. If everything is with one insurer, that boundary does not become a point of dispute at a claim.
Report changes to the home and its use
An extension, a dormer window, solar panels, letting a room, running a business from home or prolonged vacancy changes the risk in several modules at once. On entering into the contract, the duty of disclosure under Article 7:928 of the Dutch Civil Code; a breach can reduce the payout or cause it to lapse under Article 7:930 of the Dutch Civil Codeapplies. In a package you report that in one go, but it does not happen automatically.
The exclusions continue to apply module by module
Bundling widens nothing. On the buildings module, subsidence, foundation damage and pile rot remain excluded, as does damage caused by deferred maintenance, wear and tear and construction or material faults and by vermin, mould and slowly penetrating damp. On the contents module, separate limits apply to jewellery and valuables. Intent and recklessness are excluded on every module through Article 7:952 of the Dutch Civil Code.
Frequently asked questions
This is what people ask us most.
What is included as standard in a home package?
The core consists of buildings insurance (opstalverzekering) for the structure, home contents insurance (inboedelverzekering) for your belongings and personal liability insurance (AVP). Many providers also offer legal expenses, glass cover, valuables cover and a home assistance service as separate modules. Which parts are required in order to qualify for the package discount differs from one insurer to another.
Is a home package cheaper than separate policies?
Often yes, because insurers give a package discount that rises with the number of parts. That discount differs from one provider to another and says nothing about the conditions. So compare the type of cover, limits and excess module by module. A package with a contents sum that is too low, or without glass cover, can work out more expensive at a claim than separate policies.
Can I cancel one part of the package?
Usually yes, but it has consequences. If you drop below a threshold for the number of modules, the package discount on the remaining parts lapses or falls. The contracts also sometimes no longer run in step after a change. Ask in advance what cancelling one module does to the premium of the rest and to the contract term.
Do I need a home package if I rent?
Then the buildings module falls away: the building belongs to the landlord and they insure it. You insure the contents and your tenant's improvements, that is, improvements you have made yourself such as a kitchen or parquet flooring. Liability and legal expenses cover remain worthwhile. A package is still possible, but consists of fewer parts.
What if I live in a flat?
Then the owners' association insures the building under the division regulations, which go back to Article 5:112 of the Dutch Civil Code. You do not take out buildings insurance yourself, but you do take out contents, liability and usually cover for the owner's interest: improvements you have made yourself that do not fall under the VvE policy. Check the VvE's policy schedule before you insure anything twice.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- The personal insurance packageOne policy schedule, sections, package discount
- Insurance package for private individualsOne policy schedule, package discount, separate conditions
- The usual personal insurance policiesHome, liability, transport
- Which personal insurance do you need?Home, liability, transport
- Other insurance not included: what is not in your package?Package policy, separate policies, gaps in cover
- Home packageBuildings, contents, the fit between them
- Compare personal insurance packagesOne policy schedule, package discount, one point of contact
Read more
Want to bundle your home insurance?
Request a quotation without obligation. We check module by module whether the sum insured and the cover are right.
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. Last updated on .
The information on this page is general in nature and is not personal advice.