Your Chalet or Mobile Home Well Insured
The Netherlands has a large population 100,000 holiday homes spread over hundreds of holiday parks. From the Veluwe to Zealand, by North Brabant to the Wadden Islands: a chalet, mobile home or holiday home is a popular way to enjoy free time in nature.
A chalet or mobile home requires one special insurance. Unlike a regular home, your holiday home is often empty, is more vulnerable to storms and fire, and is sometimes rented out. A standard home insurance policy then does not provide sufficient coverage.
With our chalet insurance you are protected against all major risks: from storm damage to burglary, from fire to liability. The insurance applies in Netherlands, Belgium and Germany.
Which Type Do You Have?
chalet
Wooden or plastic chalet on a permanent pitch. Reconstruction value insured.
Mobile home
Large caravan that can only be transported by truck. Purchase value/current value insured.
Recreational home
Detached holiday home, bungalow or villa on a recreation park. Reconstruction value insured.
🏕️ Also Insurable
- 🏖️ Beach house: Seaside beach house, seasonal storage covered
- 🌿 Garden house: Large garden house with overnight accommodation
- ⛺ Safari tent: Lodge tent or glamping accommodation
- 🏘️ Tiny House: Small house on recreational grounds
- 🚛 Awning: Winter-proof awning also insured
Where is your chalet located?
Veluwe
Gelderland, forests
Zealand
Coast, beaches
North Brabant
Kempen, forests
Wadden Islands
Islands, sea
North Holland
Coast, dunes
Drenthe
Heath, nature
Limburg
Hills, forests
Utrecht
Hill Ridge
What is insured?
Fire & Explosion
Damage due to fire, explosion, lightning, smoke. Essential for wooden chalets.
Storm & Hail
Damage due to storm, hail, precipitation. Chalets are vulnerable in heavy weather.
Water damage
Leakage, tap water, precipitation. Important when vacant in winter.
Burglary & Theft
Theft with signs of forced entry and vandalism by third parties.
Falling Trees
Damage from fallen trees, branches and other objects.
liability
Damage to others up to €500,000. Included for free!
⚠️ Specific Risks Chalets & Mobile Homes
A chalet or mobile home has different risks than a regular home:
- 🔥 Fire hazard: Wooden construction burns faster than stone
- 🌪️ Storm damage: Lighter construction is more vulnerable to storms
- 💧 Frost damage: Frozen pipes during winter vacancy
- 🏚️ Vacancy: No permanent supervision, damage is discovered later
- 🔓 Burglary risk: Holiday homes are attractive targets
- 👥 Rental risk: Damage by tenants or guests
⭐ All Risk Coverage: Maximum Protection
With all-risk coverage you are insured against all unforeseen damage from outside:
- ✓ Basic coverage: Fire, explosion, lightning
- ✓ Extensive: + Storm, hail, burglary, theft, vandalism
- ✓ All Dangers: + All evils coming from without
- ✓ Own defect: Material and construction defects covered
- ✓ Snow & meltwater: Weight of snow covered
- ✓ Falling objects: Trees, branches, lamp posts
🔑 Rental: Airbnb & Booking.com
Do you rent your chalet to holiday guests? This is covered:
- ✓ Private rental: Insured for up to 25 weeks per year
- ✓ Platforms: Airbnb, Booking.com also insured
- ✓ Liability: Damage to guests covered up to €500,000
- ✓ Combination: Own use and rental possible
- ⚠️ Deductible: During rental often €500 deductible
- ⚠️ Limit: No room occupancy or employee accommodation
🌍 Netherlands, Belgium & Germany
Your chalet insurance does not only apply in the Netherlands:
- 🇳🇱 The Netherlands: All recreational parks and campsites
- 🇧🇪 Belgium: Ardennes, Belgian coast and more
- 🇩🇪 Germany: Within 100 km of the Dutch border
- ✓ Coverage: Same all-risk coverage in all three countries
📦 Contents & Outbuildings
Insure not only your chalet, but also its contents:
- 🛋️ Contents: Furniture, equipment, personal items
- 🏠 Outbuildings: Shed, garden shed, storage room
- ⛺ Awning: Winter-proof awning also insured
- 🚗 Car port: Cover also insured
- 🚲 Misuse: Up to €500 co-insured (from enclosed space)
- ☀️ Solar panels: Included in the insurance with all-risk coverage
💰 Premium indication for Chalet Insurance
| Type | Value | Premium/month |
|---|---|---|
| Mobile home base | €15,000 - €30,000 | €8 - €15 |
| Mobile home extended | €30,000 - €50,000 | €12 - €20 |
| Chalet standard | €40,000 - €80,000 | €15 - €25 |
| Chalet luxury | €80,000 - €150,000 | €22 - €35 |
| Recreational home | €100,000 - €250,000 | €25 - €45 |
| Insure household contents | €5,000 - €25,000 | +€3 - €10 |
* All-risk is approximately 20% more expensive than basic coverage. Outbuildings and awning are also insured.
⚠️ Not Covered / Exclusions
- ✗ Permanent residence: Only as a holiday home (not main residence)
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Frost damage: When vacant without winter measures
- ✗ Commercial rental: Rental >25 weeks without personal use
- ✗ Rental >17 weeks: With some insurers (check conditions)
- ✗ Earthquake: Usually not covered
💡 Tips For Your Chalet
- ✓ Preparing for winter: Have pipes drained when empty in winter
- ✓ Periodic inspection: Have gas, electricity and water checked (RECRON)
- ✓ Good locks: Invest in good security
- ✓ Smoke detectors: Make sure you have working smoke detectors
- ✓ Current value check: Check the current current value of mobile homes
- ✓ Park regulations: Know the rules of your recreation park
🔍 Inspection & Safety
A periodic inspection of your chalet is recommended:
- ✓ Second Home Check: 41 checkpoints incl. gas, electricity, water
- ✓ RECRON standards: Inspection meets industry standards
- ✓ Inspection sticker: Visible proof of approval
- ✓ Frequency: Have it inspected every 2-3 years
- ✓ Current value determination: Optional for correct insured value
