TaxSavers Financial Services
Home insurance in the Netherlands
Home insurance

Your home covered, without the guesswork.

Contents, buildings and liability, side by side across insurers and checked against what your home and mortgage require. We explain what that means in plain English. Our associated company arranges the insurance. We take on the tax that follows.

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EN · NL

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Written by
Kim van der MandenCertified Mortgage Insurance and Wealth Advisor
Reviewed by
Updated 6 October 2026
Multiple insurersInsurers compared, you choose
English and Dutchthe Dutch policy terms that matter, translated
Claims supportone contact when it happens
Personal advisorarranges your policy

What's covered

What a Dutch home insurance covers

Dutch home insurance covers two things: contents and buildings. Contents (inboedel) protects your belongings. Buildings (opstal) covers the structure you own. Liability (AVP) is a separate policy for damage you cause to others. Renters can skip buildings. You will find the other covers on the insurance overview.

What our associated company does for you

They compare insurers and advise on the cover your home needs. They arrange the policy you approve. They handle a claim with the insurer when it happens.

What we do

We explain what each cover means in plain English. We make sure you understand the advice before you decide. We introduce you and pick up the tax that comes with your home. Owners with a mortgage can often deduct the interest in their tax return.

What a Dutch home insurance covers

What's your situation?

Your situation decides which covers you need. A mortgage lender will ask for buildings insurance, as our [mortgage advice](/en/mortgage/mortgage-advice) page explains.

Renting

I rent

Contents and liability. Your landlord covers the building.

Buying

I'm buying

Your mortgage lender requires buildings insurance before completion. Buying an apartment? Then the VvE, the owners association, mostly arranges buildings cover.

Owner

I own

The full set, checked for gaps and double cover. Already insured? See if switching pays off. In an apartment, the VvE usually covers the building.

How it works

Covered in four steps.

No obligation

Insurers compared side by side

You get cover compared across insurers and matched to your situation. Our associated company handles this comparison for you.

You leave with A proposal you approve before anything is arranged.

Advice and arrangement

Our associated company advises you, arranges the insurance and takes it out with you.

You leave with Everything in place, explained along the way.
Ongoing

We keep watch

Life changes and rules change. You get your cover reviewed and any claim handled for you. Leaving the Netherlands? We tell you what to cancel before you go.

You leave with Your cover keeps fitting your life.

Discover which covers fit your home.

Kim van der Manden
Replies within one working day

“You shouldn't have to work this out alone. I look at it with you and arrange the right cover.”

Kim van der Manden

Your advisor

Talk to Kim van der Manden

A real person looks at your home, your mortgage and your family. If your situation changes, so does your cover.

Insurance advice is provided by our associated company A&H Finance, where Kim works. They advise you and arrange the insurance. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. They are registered there and have accepted binding advice, so a Kifid ruling binds them.

Book your free call

Message us on WhatsApp

Quick questions welcome

Call +31 20 2170120

Join 20,000+ internationals we have helped since 2018.

Comparison site vs TaxSavers

Do it yourself online
With TaxSaversOur way
Fit
Do it yourself onlineThe cheapest premium is not the same as the right cover
With TaxSaversOur associated company matches your cover to your home, mortgage and family.
Explanation
Do it yourself onlineDutch policy terms with nobody to translate them.
With TaxSaversPlain English, you know what you're buying.
Aftercare
Do it yourself onlineYour cover is never reviewed again
With TaxSaversYour cover gets a fresh look when your situation changes.
Claims
Do it yourself onlineYou handle claims alone
With TaxSaversYou're not left to handle it alone when it counts.
No contact person, just a ticket number.

One conversation, your whole picture

Insurance, mortgage and tax

Home cover is where your mortgage and your household meet, checked against what your lender requires and what you actually own. Tax follows the home too, so we look at your tax return alongside.

mortgage and home insurance

Buying with a mortgage

Arranging your mortgage? Your buildings insurance is in place before completion. One conversation, both sorted.

MortgageHome insurance
ResultArranged in one go
Filing your first Dutch tax return

New to the Netherlands

Filing your first Dutch tax return with us? Your contents and liability cover get arranged at the same time. So you're properly covered, without the paperwork piling up.

Tax returnHome insurance
ResultCovered without the paperwork
Trusted nationwide
5.0/5/5
Read our reviews
20,000+
international clients
One contact
from first call to claim

Reviews

What internationals say

Read all 1,500+ reviews on Google

Very detailed explanation and makes my works easier. Trustworthy. Thanks for your support.

A
Arun Anbalagan
TaxSavers experience · March 2025

The team has approached to all my tax related questions very swiftly and professionally. Highly recommended

M
Murad Abasov
Tax advice · May 2026

I have a positive experience with Taxsavers. Professional, patient, and informed people with vast knowledge about financial rules in the Netherlands.

H
Hamid Irandoost
TaxSavers experience · December 2025

Home insurance questions, answered straight

Is home insurance mandatory in the Netherlands?
No law requires home insurance. Mortgage lenders do require buildings insurance before completion. Contents and liability are your own choice, and a smart one. For an apartment, the owners association (VvE) normally arranges buildings cover.
What's the difference between inboedel and opstal?
Inboedel covers what you can move, opstal covers what's fixed. Picture tipping your house upside down: everything that falls out is inboedel. The rest is opstal, from the roof to the fitted kitchen. You insure buildings at rebuild value, not at the purchase price.
I rent. What do I need?
You need contents and liability cover. The building is your landlord's risk. Both get checked against your situation and arranged for you.
Can I get advice and policy terms in English?
Advice yes. Policy terms are in Dutch, and we translate what matters. You'll know exactly what is covered before you sign anything.
What happens when I have damage?
You call us first, and we hand it to our associated company. They handle the claim with the insurer.
Are you authorised to give mortgage and insurance advice?
No, not TaxSavers directly. For mortgage and insurance advice we work with A&H Finance, a trade name of New Business Group B.V. They hold the AFM licence (12017511) and they advise and arrange. We introduce you and take on the tax that follows.
What happens to my insurance when I leave the Netherlands?
Tell us your leaving date. What ends and what continues gets checked and arranged in time.

Your home, properly covered.

Book your free call. We explain what each cover does and what it costs.

What's included

  • Premium in view before you decide

  • Explanation in English or Dutch

  • Fits your mortgage and your situation