Kan ik mijn vakantiehuis in België verzekeren via een Nederlandse verzekeraar?

Ja, diverse Nederlandse verzekeraars bieden dekking voor vakantiewoningen in België. Voordelen zijn Nederlandse service, geen taalbarrière bij claims en vaak uitgebreidere allrisk dekking dan Belgische verzekeraars.

Is een brandverzekering verplicht voor een vakantiehuis in België?

Als eigenaar is een brandverzekering niet wettelijk verplicht in België, maar wel sterk aan te raden. Bij verhuur in Vlaanderen en Wallonië is verhuurdersdekking wel verplicht. Bij een hypotheek eist de bank altijd een brandverzekering.

Wat kost een verzekering voor een vakantiehuis in België?

De premie voor een vakantiehuis in België ligt tussen €180 en €720 per jaar, afhankelijk van de herbouwwaarde, ligging, bouwaard en dekking. Allrisk is circa 20% duurder dan basisdekking.

Is mijn vakantiehuis in de Ardennen verzekerd bij leegstand?

Ja, bij een Nederlandse vakantiewoningverzekering is leegstand standaard gedekt. Dit is een belangrijk verschil met reguliere opstalverzekeringen. Wel kan een hoger eigen risico gelden tijdens leegstand.

Holiday home insurance Belgium 2025 | Ardennes & Belgian Coast | Finass Insures

🇧🇪 Ardennes • Belgian Coast • Limburg • Flanders

Holiday home Belgium Insure

Insure your holiday home in Belgium through a Dutch insurer. Whether your second home is in the Ardennes or on the Belgian coast: all-risk coverage, Dutch service and no language barrier in the event of damage.

✓All-risk coverage

✓Rental also insured

✓Dutch service

✓Liability €500,000

Calculate Your Premium → View Regions

🇧🇪

Holiday home BelgiumVia Dutch insurer

✓ Ardennes, Coast, Limburg & all of Belgium
✓ All-risk or basic coverage of your choice
✓ Contents may be insured
✓ Rentals covered for up to 26 weeks/year
✓ Vacancy insured as standard
✓ Homeowner liability free
✓ Return cover: travel expenses reimbursed

Request a Quote →

🇧🇪

All of BelgiumAll regions

🏔️

ArdennesNature & forests

🏖️

Belgian Coast67km beach

🇳🇱

NL ServiceNo language barrier

Belgium

Your Holiday Home in Belgium Well Insured

Belgium is one of the most popular destinations for Dutch car owners second home. Whether you own a chalet in the Ardennes, an apartment on the Belgian Coast or a holiday home in Belgian Limburg: good insurance is essential.

Although you are basically Belgian fire insurance can close, offers a Dutch holiday home insurance key benefits: better All-risk coverage, Dutch service without a language barrier and simple claims handling via one point of contact.

In Belgium, building insurance is provided "fire insurance" named. This covers fire, storm, hail, water damage, glass breakage and natural disasters as standard. A Dutch policy often offers more extensive coverage, including: vacancy and rental.

Popular Regions

Where is your holiday home located?

🏔️

The Ardennes

Wooded low mountains in Wallonia. Popular for nature, walking, cycling and winter sports. Chalets, holiday homes and group accommodations.

Durbuy La Roche Broth Spa Malmedy Houffalize

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Belgian Coast

67 kilometers of coastline with seaside resorts. Apartments, beach houses and holiday homes. Popular with Dutch owners.

Knokke-Heist Ostend De Panne Blankandberge Newport

🌲

Belgian Limburg

Hoge Kempen National Park, forests and heathlands. Peaceful holiday destination near the Netherlands. Bungalows and nature houses.

Hasselt Gandk Maaseik Hoge Kempand

🇧🇪 Also Insured in Other Regions

In addition to the popular regions, we insure holiday homes throughout Belgium:

✓ Flanders: Bruges, Ghent, Antwerp, Mechelen
✓ Wallonia: Namur, Liège, Dinant, Bastogne
✓ Brussels: Apartments and townhomes

Coverage

What is insured?

🔥

Fire & Explosion

Damage due to fire, explosion, lightning strike and soot deposits.

🌪️

Storm & Hail

Damage due to storm (wind force 7+), hail and precipitation.

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Water damage

Leakage, pipe burst, precipitation and flood damage.

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Burglary & Theft

Theft with signs of forced entry and vandalism by third parties.

🪟

Glass breakage

Breakage of windows, doors and windows due to all causes.

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liability

Damage to third parties due to your home. Up to €500,000 coverage.

⭐ All Risk Coverage: Maximum Protection

With all-risk coverage you are insured against all unforeseen damage from outside:

✓ Basic coverage: Fire, explosion, lightning, storm, hail, snow pressure
✓ Extensive: + Burglary, theft, vandalism, leakage, glass breakage
✓ All risk: + All unforeseen external damage

Tip: Allrisk also covers accidents such as falls, bumps and damage – ideal for rentals!

🇳🇱 vs 🇧🇪 Dutch or Belgian Insurance?

🇳🇱 Dutch Policy

✓ All-risk coverage possible (unknown in BE)
✓ Dutch service, no language barrier
✓ One point of contact in case of damage
✓ Vacancy covered as standard
✓ Rental also insured
✓ Return cover (travel costs)
✓ Liability included free of charge

🇧🇪 Belgian Policy

→ Fire insurance (basic)
→ Communication in French/Dutch
→ Local insurer
→ Vacancy sometimes limited
→ Report rental separately
→ Theft is often optional
→ Liability separate

💡 Our advice: A Dutch policy offers better coverage and service. In the event of damage, you have no language barrier and one Dutch point of contact.

🔑 Rental Via Airbnb, Booking or To Friends

Do you rent out your holiday home in Belgium? With our insurance you are covered:

✓ Rental up to 26 weeks/year: To family, friends or holiday guests
✓ Platforms: Airbnb, Booking.com, VRBO and other rental platforms
✓ House + contents: Fully insured during rental periods
✓ Liability: Damage to guests covered up to €500,000
⚠️ NB: Increased deductible may apply during rental
⚠️ Vandalism tenant: Usually not covered (third parties/burglars are covered)

Belgium-specific: In Flanders and Wallonia, fire insurance is legally required when renting!

⚖️ Belgian Legislation: What Do You Need to Know?

The rules for fire insurance differ per region in Belgium:

→ Owner (not renting): Fire insurance not legally required, but highly recommended
→ Landlord Flanders: Fire insurance legally required since 2019
→ Landlord Wallonia: Fire insurance for tenants mandatory since 2018
→ Mortgage: Bank always requires fire insurance
→ Tourism Flanders: Fire insurance + BA is mandatory when registering for a holiday home

NB: You also meet Belgian obligations with a Dutch policy!

💰 Premium indication Holiday home Belgium

The premium depends on reconstruction value, region, construction type and coverage:

Type of property	Reconstruction value	Premium/month
Coastal apartment	€100,000 - €200,000	€15 - €30
Chalet Ardennes	€75,000 - €150,000	€20 - €40
Holiday home stone	€150,000 - €300,000	€25 - €45
Villa/country house	€300,000+	€40 - €70
Insure household contents	€15,000 - €50,000	+€8 - €20

* Premiums are indicative. Exact premium depends on reconstruction value, type of construction, location and coverage. All-risk is approximately 20% more expensive than basic coverage. Wooden chalets have higher premiums due to fire risk.

⚠️ Not Covered / Exclusions

Please note the following exclusions in the policy conditions:

✗ Permanent residence: Only as a second home, not as a main residence
✗ Poor maintenance: Damage due to overdue maintenance or construction errors
✗ Earthquake: Usually excluded in Belgium
✗ Primary flood defense flood: Major river flooding
✗ Vandalism by tenant: Damage caused by tenants themselves is not covered
✗ Freezing pool: Frost damage to swimming pool water

Specialized Insurers

We work with insurers who specialize in holiday homes in Belgium:

⭐ Clap ⭐ Turiand & Co ⭐ Hiscox Holiday Homes OOM Insurance University a.s.r. Alpine

💡 Tips for Your Holiday Home in Belgium

✓ Choose Dutch policy: Better all-risk coverage and service in your own language
✓ Current reconstruction value: Have it appraised regularly, construction costs will increase
✓ Insuring contents: Especially with valuable furniture or equipment
✓ Good security: SKG locks, motion detectors (discount possible)
✓ Taking photos: Document contents with photos and invoices for claims
✓ Draining pipes: Prevent frost damage during winter vacancy
✓ Report rental: Always notify your insurer for full coverage
✓ Have it checked regularly: Prevent long-term unnoticed damage

✈️ Extra Coverage: Return & Keys

Our holiday home insurance offers useful extras:

✓ Return coverage: Travel and accommodation expenses will be reimbursed in the event of an emergency at your home
✓ Accommodation costs: If the home is uninhabitable upon arrival
✓ Lost keys: Costs for replacement locks will be reimbursed
✓ Emergency facilities: Temporary repairs to prevent worse
✓ Clearance costs: After fire or major damage

Insuring Other Countries

FAQ

Frequently Asked Questions

Everything about insuring your holiday home in Belgium.

Yes, various Dutch insurers offer cover for holiday homes in Belgium. Advantages include Dutch service, no language barrier for claims, all-risk coverage (unknown in Belgium) and simple claims handling via a single point of contact. The Ardennes, Belgian Coast and Belgian Limburg can also be insured.

As an owner who does not rent out, fire insurance is not legally required in Belgium, but it is strongly recommended. When renting in Flanders, you as a landlord are legally obliged (since 2019). With a mortgage, the bank always requires fire insurance. When registering with Tourism Flanders, brand + BA is mandatory.

The premium is between €15 and €70 per month, depending on the rebuilding value, region, construction type and coverage. An apartment on the coast costs €15-€30/month, a chalet in the Ardennes €20-€40/month, a holiday home €25-€45/month and a villa €40-€70/month. All-risk is approximately 20% more expensive than basic coverage. Wooden chalets are more expensive due to fire risk.

Yes, vacancy is covered as standard with Dutch holiday home insurance. This is an important difference with regular home insurance. However, a higher deductible may apply during vacancy. Always inform the insurer that it concerns a holiday home that is regularly vacant.

Yes, rental of up to 26 weeks per year is also insured. This applies to rentals to family, friends or via platforms such as Airbnb and Booking.com. Home and contents remain insured during rental. Please note: an increased deductible may apply and vandalism by the tenant himself is usually not covered.

A Dutch policy often offers more extensive all-risk coverage (relatively unknown in Belgium), Dutch service without a language barrier, vacancy covered as standard, rental included in the insurance, return coverage and liability included free of charge. A Belgian policy offers basic coverage and local service, but theft is often optional and vacancy may be limited.

You can insure your home contents on the same policy. You choose the insured amount yourself (usually €15,000 to €50,000). The contents are then insured against fire, burglary, water damage and, in the case of all-risk, also against other unforeseen damage. Tip: take photos and save invoices for smooth claims handling.

Yes, our holiday home insurance includes return cover. If there is an emergency at your home (for example fire or major water damage), the travel and accommodation costs to go to your home will be reimbursed. Accommodation costs if the home proves uninhabitable upon arrival are also covered.

Yes, you can insure outbuildings such as a garage, garden house or pool house with the same coverage as the main home. Swimming pools including accessories (pumps, filters) can also be insured. Please provide this separately with the application. Please note: freezing of swimming pool water is usually not covered.

No, the holiday home insurance is intended for second homes, not for permanent residence. Your main residence must be elsewhere. If you are going to live permanently in Belgium, you will need regular Belgian home insurance. Also check the Belgian regulations for domicile and residence permit.

The costs for replacement locks are covered if you lose the key. This is useful extra coverage, especially abroad where replacement can be more difficult. The costs for new locks and replacement will be reimbursed.

No, vandalism or theft by the tenant himself is usually not insured. Damage caused by third parties (burglars, vandals from outside) is covered, provided there are signs of forced entry. An increased deductible may apply during rental periods. Airbnb offers a limited Host Guarantee, but check whether this is sufficient.

Want to insure your holiday home in Belgium?

Whether your second home is in the Ardennes, on the Belgian Coast or elsewhere in Belgium: we insure your investment with Dutch service.

Calculate Your Premium → Call: 072 - 509 24 56