Which insurance is recommended?

Two. Health insurance for everyone who lives or works in the Netherlands, and third-party liability cover for every motor vehicle in your name, under Article 2 of the Dutch Motor Insurance Liability Act. That second obligation also applies to a car that is not used, unless you suspend the registration.

No. There is no law requiring you to insure your home. Almost every mortgage lender does make buildings insurance a condition, because the property serves as security. With a flat this usually runs through the VvE's joint buildings policy, arranged in the division regulations.

That depends on your situation. It is mainly worthwhile with a home you own, an employment contract or building work. Watch out for the waiting period, usually three months, and for the fact that a dispute already running is never covered. Tax and criminal cases are usually outside it.

You can, provided you can bear the loss yourself. Small, predictable costs do not need insuring. It becomes risky with liability for personal injury and with the loss of all your home contents: amounts a household rarely absorbs itself. In that case choose a higher excess instead.