Your Second Home Optimally Insured
A Holiday home is a valuable investment that you can fully enjoy. But it also entails risks: your second home is often empty, is more vulnerable to burglary and you are not always present to detect damage.
Immediately holiday home insurance protect your home against fire, storm, burglary and water damage. Also swimming pools and outbuildings are also insured. Do you rent your home to friends, family or via Airbnb? That's possible until 26 weeks a year be co-insured.
Whether your holiday home is in the Netherlands or in... France, Spain, Italy or another European country – we offer coverage with Dutch service and no language barrier in the event of damage.
Where can you insure your holiday home?
We insure your holiday home in the following European countries:
The Netherlands
Veluwe, Zeeland, Wadden
France
Cote d'Azur, Provence, Dordogne
Spain
Costa Blanca, Mallorca, Canary Islands
Italy
Tuscany, Umbria, Lake Garda
Portugal
Algarve, Lisbon, Porto
Germany
Within 100km limit
Austria
Tyrol, Salzburg, Styria
Belgium
Ardennes, Coast, Limburg
Also possible: Ireland, Luxembourg, Monaco, United Kingdom. Corsica is excluded.
What is insured?
buildings
Fire, explosion, lightning, storm, hail, precipitation and burglary.
contents
Furniture, equipment, crockery and all loose items in your home.
Swimming pool
Your swimming pool and accessories are insured against damage.
Outbuildings
Garage, garden shed, pool house and other outbuildings covered.
liability
Damage to third parties due to your home is insured up to €500,000.
Travel expenses
Reimbursement of travel and accommodation costs in the event of damage to your home.
🏊 Swimming pool & outbuildings included in the insurance
Does your holiday home have a swimming pool or outbuildings? These are also insured:
- ✓ Swimming pool: Including accessories, pumps and filters
- ✓ Pool house: Covered terrace by the swimming pool
- ✓ Garage: Separate or attached
- ✓ Garden house: Shed, log cabin or garden shed
- ✓ Same coverage: Basic or all-risk, just like the main home
- ⚠️ Freezing: Damage due to freezing of swimming pool water is not covered
💡 Please specify outbuildings and swimming pools separately when applying for your insurance.
🏠 Rental of your holiday home
Do you rent out your home when you are not there? This can be insured:
- ✓ Up to 26 weeks per year: Private rental allowed
- ✓ Airbnb & Booking: Professional rental platforms covered
- ✓ Friends & family: Rental to acquaintances permitted
- ✓ House and contents: Both insured during rental
- ⚠️ 50% premium surcharge: For rental coverage (indication)
- ⚠️ Increased deductible: During rental periods
NB: Abroad: rental only in combination with personal use. Only rental is not allowed.
🌍 Dutch vs. Foreign Insurance
Do you need to insure your holiday home abroad locally or via the Netherlands?
✅ Dutch Policy
Better coverage (all risk), Dutch service, no language barrier in case of damage
⚠️ Foreign Policy
Sometimes cheaper, but more limited coverage and language barrier for claims
💰 Price vs. Quality
Cheap = often less coverage. You will only notice the difference if there is damage.
📞 Claims handling
Dutch insurer: one point of contact, fast service in your own language
💡 Advice: A Dutch policy usually offers the best coverage and service.
🔥 Basic coverage vs. All risk
Choose the coverage that suits your situation:
- → Basic coverage: Fire, explosion, lightning, storm, hail, snow pressure
- → Extensive: + Burglary, theft, vandalism, leakage, precipitation
- → All risk: + All unforeseen external damage
- → Contents: Co-insure up to the desired amount
Tip: Allrisk offers the most security - you are therefore covered in the event of unexpected damage.
💰 Premium indication Holiday home insurance
The premium depends on value, location, coverage and rental:
| Type / Location | Value | Premium/month |
|---|---|---|
| Apartment Netherlands | €100,000 - €200,000 | €15 - €30 |
| Villa Netherlands | €200,000 - €400,000 | €25 - €50 |
| Apartment abroad | €100,000 - €250,000 | €20 - €40 |
| Villa abroad | €250,000 - €500,000 | €40 - €75 |
| Insure rental | - | +50% surcharge |
| Add contents | €15,000 - €50,000 | +€10 - €25 |
* Premiums are indicative. Exact premium depends on location, year of construction and security measures.
✈️ Extras: Travel expenses & Keys
Holiday home insurance often offers useful additional coverage:
- ✓ Travel costs: Reimbursement if you have to go to your home in the event of damage
- ✓ Accommodation costs: If your home is uninhabitable upon arrival
- ✓ Lost keys: Costs for replacement locks will be reimbursed
- ✓ Clearance costs: After fire or other major damage
- ✓ Emergency facilities: Temporary repairs to prevent worse
⚠️ Not Insured: Exclusions
You are usually in the following situations not insured:
- ✗ Permanent residence: Your main residence may not be in the holiday home
- ✗ Poor maintenance: Damage due to construction errors or overdue maintenance
- ✗ Earthquake: Usually excluded
- ✗ Freezing pool: Damage due to freezing of water in swimming pools
- ✗ Vandalism tenant: Damage caused by tenants not covered
- ✗ Open windows: Precipitation through open windows/doors
💶 Taxes on second home
In addition to insurance, there are tax matters to take into account:
- → Box 3: Second home is subject to capital gains tax
- → Fixed return: 5.88% in 2025 (may increase)
- → Deduct loan: Mortgage on 2nd home deductible in box 3
- → Abroad: Also local taxes (taxe foncière, IBI)
- → Rental: Temporary rental via Airbnb? Check box 1!
Tip: Consult a tax professional for your specific situation.
Holiday home insurers
We work together with specialized insurers:
💡 Tips for Your Holiday Home Insurance
- ✓ Choose Dutch policy: Better coverage and service in your own language
- ✓ Compare allrisk: Coverage against all accidental damage
- ✓ Specify swimming pool/outbuildings: Otherwise not insured!
- ✓ Check rental conditions: Max 26 weeks, personal use required
- ✓ Secure well: Burglary prevention can reduce premiums
- ✓ Preparing for winter: Drain pipes, cover swimming pool
- ✓ Have it checked regularly: Prevent long-term unnoticed damage
- ✓ Save invoices: For contents claims
📊 Holiday home vs. Normal Building Insurance
| Feature | Normal Building | Holiday home |
|---|---|---|
| Vacancy covered | ✗ Max 60 days | ✓ Long lasting |
| Abroad | ✗ NL only | ✓ 12+ countries |
| Rental possible | ✗ Often not | ✓ Up to 26 weeks |
| Swimming pool | ✗ Different | ✓ Co-insured |
| Travel costs damage | ✗ Not | ✓ Reimbursed |
| Lost keys | ✗ Not | ✓ Reimbursed |
| liability | ✗ Close separately | ✓ Included |
🌴 Popular Destinations
The most popular locations for a second home:
- 🇫🇷 France: Dordogne, Provence, Côte d'Azur, Vosges, Pyrenees
- 🇪🇸 Spain: Costa Blanca, Costa Brava, Mallorca, Canary Islands
- 🇮🇹 Italy: Tuscany, Umbria, Lake Garda, Piedmont, Le Marche
- 🇵🇹 Portugal: Algarve, Silver Coast, Lisbon region
- 🇳🇱 The Netherlands: Veluwe, Zeeland, Wadden Islands, Limburg
