Rebuild value
- Not the market value
- Not the WOZ value (the Dutch property valuation)
- Guarantee against underinsurance
Commercial use · tenant's improvements · liability
Insuring a home that you let
As soon as someone else lives in your home, the risk shifts from the structure to the behaviour and use of the occupant.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
A personal home policy assumes you live there yourself. If you let, the insured situation is different: you are not there, you do not see what happens and you depend for signs of maintenance problems on someone with no interest of their own in them.
Insurers translate that into their own landlord products with different exclusions. Wilful damage by the tenant, contamination and damage connected with cannabis growing are the items on which residential letting comes unstuck, alongside liability for defects.
If you let an apartment, the VvE (Dutch owners' association) comes into play; see insuring a let apartment. If it concerns business premises, look at the buildings insurance for premises that are let.
Let home: what is covered?
The structure of the cover in three parts, with an overview per situation below.
What is included
Everything permanently attached to the building.
- Building and installations
- Outbuildings
- Boundary fences
Extensions
What is excluded as standard.
- Glass
- Garden landscaping
- Inherent defect and foundations
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Fire, smoke and lightning strike | Yes | Yes |
| Storm from force 7 upwards | Yes | Yes |
| Water damage from a burst pipe | Yes | Yes |
| Glass breakage | Sometimes | Yes |
| Groundwater coming through the floor | No | No |
| Wear and deferred maintenance | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Your maintenance file is your defence
If an occupant is injured by a loose stair rail, a faulty water heater or a sunken threshold, you are liable as possessor under Article 6:174 of the Dutch Civil Code and, as landlord, obliged to remedy defects under Article 7:206 DCC. The question in any claim is always whether you knew about the defect. Record every report with the date, your response and the date of repair.
Damage caused by the tenant
Fire and water damage are covered, even if the occupant caused them. But wilful damage, destruction during an eviction and contamination left behind fall outside the buildings cover. Your recourse then runs through Article 7:218 DCC, which makes the tenant liable for damage to the property let, and through the deposit. Include an inventory report from the start of the tenancy in your file.
Cannabis growing and improper use
A cannabis farm almost always causes fire, damp and installation damage, and insurers exclude that damage or restrict it severely. Your position depends on what you did to prevent it: an identity check beforehand, a ban on commercial use in the agreement, and periodic inspections confirmed by e-mail. Without a file of inspections, a refusal is hard to counter.
Loss of rent and alternative accommodation
If the home is uninhabitable after a covered claim, your rental income stops while the costs continue; that is what the loss of rent section is for. Note the other side too: your tenant is entitled to repairs and can claim a rent reduction. The cost of alternative accommodation for the occupant is rarely included as standard in a landlord cover; ask explicitly whether that item is insured.
What does your premium depend on?
- Type of letting — Letting to a family, to expats, by the room or short-term is assessed differently in each case.
- Number of occupants — Occupation room by room means more cooking points and more changes of occupant.
- Loss of rent included — The period over which lost rent is paid.
- Condition of the installations — The age of the wiring, central heating and smoke alarms in the home.
- Screening and type of agreement — An agreement banning subletting and commercial use counts in your favour.
- Liability section — Landlord's liability for injury to occupants and visitors.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
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.
Frequently asked questions
The questions we are asked most often about this.
Can I keep my existing home policy running?
Only if the insurer accepts the letting and states it on the policy schedule. For most companies, letting is a change of risk that calls for a different product. If you let the policy run on unchanged, you risk the insurer relying on Article 7:930 of the Dutch Civil Code for any claim, even damage that had nothing to do with the letting.
Who insures the contents in a let home?
The occupant insures their own belongings; you cannot do that for them. If you let part-furnished or fully furnished, what you installed yourself is your property and you need your own contents cover for it. Put it in the tenancy agreement that the tenant must take out home contents and liability insurance, so that damage to your property remains recoverable from them.
What if my tenant does not pay the rent?
Rent arrears are not an insurable loss; loss of rent covers only income that stops because the home is unusable after a covered claim. For debt collection and eviction you need legal expenses insurance (rechtsbijstandverzekering) with a letting module, or a solicitor. Include a deposit in the agreement and keep a record of the payment history.
Do I have to report letting to family as well?
Yes. For an insurer, what counts is whether you occupy the home yourself, not who you are related to. If a family member lives there, with or without a tenancy agreement, the home is occupied by a third party. Report it in writing and keep the confirmation; after a later claim that is the only proof that you met your duty of disclosure.
Read more
Similar pages
- Buildings insurance (opstalverzekering) when letting
- Buildings insurance (opstalverzekering) for a let home
- Why buildings insurance (opstalverzekering) is essential for the home you let
- Buildings insurance (opstalverzekering) for let homes
- Buildings insurance (opstalverzekering) for let homes: all you need to know
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.