Last Updated: 2026

Insurance in the Netherlands: The Essentials

A complete guide for expats and locals.

Whether you rent or buy, having the right insurance protects your financial future. In the Netherlands, some policies are mandatory, while others are highly recommended.

For Homeowners (Buyers)

1. Opstalverzekering (Building Insurance)

Mandatory for mortgage. Covers damage to the structure of your home (walls, roof, pipes) from fire, storm, or burglary.

Check Premium at NN
Partner: Nationale-Nederlanden
For Tenants (Renters)

2. Inboedelverzekering (Contents Insurance)

Essential for everyone. Covers your personal belongings (furniture, electronics, clothes) inside the home. *Note: Landlords do NOT cover your stuff.*

Check Premium at NN
Partner: Nationale-Nederlanden
For Everyone

3. Rechtsbijstand (Legal Aid)

Covers legal costs for disputes (e.g., with your landlord, employer, or municipality).

Check Premium at NN
Partner: Nationale-Nederlanden
For Everyone

4. Aansprakelijkheid (Liability Insurance)

Covers accidental damage you cause to others or their property. Almost everyone in NL has this.

Check Premium at NN
Partner: Nationale-Nederlanden