Liability or buildings: what is the difference?
Buildings insurance covers damage to your home. Liability insurance covers damage you cause to others. They do not overlap.
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Work out for yourself what it would cost.
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- 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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
Buildings insurance
Covers the building you live in: fire, storm, water damage, damage to doors and frames from forced entry. Everything permanently attached.
Your mortgage lender almost always requires it, naming itself as an interested party on the policy.
The liability insurance
Covers damage that you, your family members or your pets to others cause. A broken window at the neighbours', injury caused by your dog, a laptop knocked over while visiting.
It is not compulsory, but it is the policy virtually everyone benefits from, because personal injury claims are calculated over the victim's whole life.
Where they touch
With Article 6:174 of the Dutch Civil Code they come together: as possessor you are liable for damage caused by a defect in your property. If a roof tile falls on the neighbour's car, that is liability. The damage to your own roof is buildings cover.
That is one event with two policies, and two claims if they are with different companies.
What you need
As a homeowner, both. Buildings insurance because you have to and because your home is your largest asset; liability insurance because a single injury claim can exceed your assets.
Independent, personal, sorted quickly
We compare your buildings insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Within Opstalverzekering
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Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
Are these the same insurances?
No; buildings cover insures damage to your home, liability covers damage you cause to others.
Do I need both?
As a homeowner, yes; they do not overlap.
What about a roof tile on the neighbour's car?
That is liability; the damage to your own roof falls under buildings cover.
Is liability insurance compulsory?
No, but a single injury claim can exceed your assets.
Does my mortgage lender require a policy?
Almost always buildings insurance, with itself as an interested party.
Do I have to report it twice?
With different insurers, yes. With the same company it runs in one file.