Is een standaard opstalverzekering voldoende voor mijn beleggingspand?

Nee, een standaard particuliere opstalverzekering biedt vaak geen of beperkte dekking bij verhuur. Veel verzekeraars sluiten verhuur zelfs expliciet uit. U heeft een specifieke vastgoedverzekering nodig die rekening houdt met verhuurrisico's, intensiever gebruik en aansprakelijkheid als verhuurder.

Wat kost een verzekering voor een beleggingspand?

Reken op €25 tot €75 per maand voor een enkelvoudig verhuurde woning. De premie hangt af van de herbouwwaarde, locatie, type huurder (particulier, studenten, bedrijf) en gekozen dekkingen. Bij meerdere panden zijn pakketkortingen tot 20% mogelijk.

Ben ik als verhuurder aansprakelijk voor schade aan derden?

Ja, volgens artikel 6:174 BW bent u als eigenaar aansprakelijk voor schade veroorzaakt door een gebrek aan uw opstal. Denk aan een wegwaaiende dakpan die letsel veroorzaakt. Een aansprakelijkheidsverzekering onroerend goed (AVB O/G) beschermt u tegen claims tot vaak €2,5 miljoen.

Wat als mijn beleggingspand tijdelijk leegstaat?

Leegstand brengt extra risico's met zich mee. Veel polissen beperken de dekking bij leegstand langer dan 2-3 maanden. Meld leegstand altijd aan uw verzekeraar. Er zijn speciale leegstandpolissen beschikbaar. Zonder melding kan een schade-uitkering worden geweigerd.

Real Estate Insurance 2025 | Investment Property, Rental & Real Estate | Finass Insures

🏛️ Investment properties • Rented real estate • Real estate portfolios

property Compare insurance policies

Protect your real estate investments with the right insurance. Especially for landlords, investors and property managers. Standard home insurance is not sufficient!

9.5

Customer appreciation

50+

Years of Expertise

20%

Package discount

30+

Insurers

View All Insurance → Free Consultation

💰

Lowest Price Guarantee

🏛️

Real Estate Specialists

👤

Personal Advice

🛡️

Damage Assistance

✓

100% Independent

Real Estate Insurance

All Insurance for Your Real Estate

Specially compiled for landlords, investors and property managers.

🏢

Building insurance

Covers damage to your property due to fire, storm, water and burglary. Specially for rented real estate.

⚠️ Standard building insurance is NOT sufficient for rental!

Compare now →

🛡️

Liability O/G

Protects against claims in the event of damage to third parties due to your property. Up to €2.5 million coverage.

→ Liability of the landlord

⚠️ Art. 6:174 BW: owner liable for defects!

Compare now →

👔

Directors' liability

Personally protects directors/managers of real estate companies.

→ Directors' liability O/G

Compare now →

🪟

Glass insurance

Covers damage to windows, display cases and glass doors. Quick repair in case of breakage.

Compare now →

🌿

Environmental damage insurance

Covers remediation costs for soil or water contamination, asbestos, leaking tanks.

→ Environmental damage O/G

Compare now →

📦

Inventory / Tenant interest

Insure furnished rentals and inventory in rented properties.

→ Inventory & Tenant Interest

Compare now →

Property types

Insurance Per Property Type

We insure all types of real estate. Click on your property type for specific information.

🏠

Investment property

Rented properties

🎓

Student house

Room rental for students

🛏️

Room rental

Multiple tenants

🏨

Hotel

Hotel buildings

🍽️

Catering premises

Restaurant, cafe, bar

🏢

Office building

Office buildings

🏛️

Canal house

Monumental real estate

🏰

National monument

Protected heritage

🏡

Second Home

Recreational rental

🌴

Holiday home

Rental to tourists

🏭

Shed

Industrial sheds

🏗️

Collective building

Multi-tenant business building

🚗

Garage

Garage boxes

🧱

Foundation

Foundation problems

🏬

Apartment

Rented apartments

📞

Other Type?

Call us for advice

⚠️

NB: Rental Risks

🚫

Standard Building Insurance Not Sufficient

Many private policies exclude rentals or limit coverage. Do you rent without reporting this? Then compensation for damage may be refused!

📋

Liability Art. 6:174 BW

As the owner, you are liable for damage caused by defects in your property. A roof tile on someone's head can lead to claims of hundreds of thousands of euros.

🏠

Report vacancy

Coverage may be limited if the property remains vacant for more than 2-3 months. Always report vacancies to your insurer. There are special vacancy policies.

🎓

Student rental Higher Premium

Renting to students or renting rooms involves higher risks. Higher premiums often apply and additional preventive measures are required.

Overview

All Real Estate Insurance

🏢

Why Finass

Why Choose Us?

💰

Lowest Price Guarantee

Do you find the same insurance cheaper elsewhere? Then you will get the difference back.

🏛️

Real Estate Specialists

We know the specific risks of rented real estate and investment properties.

👤

Personal Advice

Your regular advisor knows your portfolio and provides tailor-made advice.

🛡️

Damage Assistance

In the event of damage, we are on your side and help with the settlement.

📊

Portfolio Management

Multiple buildings? We provide clear portfolio management.

📋

Reconstruction Value Check

We check whether your properties are correctly insured at the correct value.

✓

100% Independent

We are not tied to one insurer and advise in your interests.

🎓

50+ Years of Expertise

More than 50 years of experience in property insurance. We know the market.

Real Estate Insurance Package

Combine all insurance policies for your real estate portfolio and benefit from a package discount.

✓ Up to 20% package discount
✓ Buildings + Liability + Glass
✓ Environmental damage + Director's liability
✓ One policy for multiple properties
✓ Clear portfolio management
✓ Annual review of reconstruction values

Request a quote →

20%

Package discount possible

FAQ

Frequently Asked Questions

No, a standard private home insurance policy often offers no or limited coverage for rental. Many insurers even explicitly exclude rental. You need specific property insurance that takes into account rental risks and liability as a landlord.

Count on €25 to €75 per month for a single-rental home. The premium depends on reconstruction value, location, type of tenant (private, student, company) and selected coverage. Package discounts of up to 20% are possible for multiple properties.

Yes, according to Article 6:174 of the Dutch Civil Code, you as the owner are liable for damage caused by a defect in your property (strict liability). Think of a roof tile blowing away that causes injury. O/G liability insurance protects you against claims up to €2.5 million.

Vacancy entails additional risks (burglary, vandalism, neglect). Many policies limit coverage for vacancy for longer than 2-3 months. Always report vacancies to your insurer. Special vacancy policies are available.

Yes, this is often advantageous for a real estate portfolio. You get a package discount of up to 20%, one point of contact and clear management. Properties can easily be added or removed. We advise on the best construction for your situation.

Yes, renting to students or renting rooms involves higher risks (more intensive use, more residents, fire safety). Higher premiums often apply and additional prevention measures are required such as smoke detectors and fire extinguishers.

Damage due to covered causes (fire, water) is insured, even if the tenant is responsible. Damage due to neglect, normal wear and tear or intentional destruction is usually not covered by home insurance. You can recover this from the tenant or guarantor.

Yes, absolutely! Are you renting out your home without reporting this? In the event of damage, payment may then be refused due to increased risk. Always report rentals to your insurer within 2 months, or take out specific property insurance immediately.

Request a Free Quote

Receive personal advice about the best insurance for your real estate portfolio.

Request a quote → Call: 072 - 509 24 56

property Compare insurance policies

All Insurance for Your Real Estate

Building insurance

Liability O/G

Directors' liability

Glass insurance

Environmental damage insurance

Inventory / Tenant interest

Insurance Per Property Type

Investment property

Student house

Room rental

Hotel

Catering premises

Office building

Canal house

National monument

Second Home

Holiday home

Shed

Collective building

Garage

Foundation

Apartment

Other Type?

NB: Rental Risks

Standard Building Insurance Not Sufficient

Liability Art. 6:174 BW

Report vacancy

Student rental Higher Premium

All Real Estate Insurance

Buildings O/G

liability

directors

Glass O/G

environmental damage

Inventory

Why Choose Us?

Lowest Price Guarantee

Real Estate Specialists

Personal Advice

Damage Assistance

Portfolio Management

Reconstruction Value Check

100% Independent

50+ Years of Expertise

Real Estate Insurance Package

Frequently Asked Questions

Request a Free Quote

Privacy Settings

Functional

Preferences

Statistics

Marketing