Home Insurancepackages
- Protect your home from damage caused by fire, storm, flood, asbestos or other unexpected hazards
- Coverage includes foundations, outbuildings, solar panels, charging stations, garden and sustainable energy systems
- 100% in English
- Discount when you extend your cover with our household insurance policy
Comprehensive home insurance for international homeowners
Choose the coverage that keeps your property safe from damage caused by natural events or emergencies.
The Home Insurance includes:
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Damage to your home
Damage to your home
Covers damage to the building itself, including foundations, outbuildings, fences, awnings, roller shutters, charging stations, and more.
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All-risk coverage
All-risk coverage
Covers risks such as fire, explosion, lightning, storm, leakage, vandalism, theft, and burglary. It also covers other sudden and unforeseen damage.
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Reconstruction or repair value reimbursement
Reconstruction or repair value reimbursement
We reimburse repair costs or the reconstruction value. If rebuilding is not possible or permitted, we reimburse the sale or demolition value.
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Glass damage included as standard
Glass damage included as standard
Covers glass intended to let light through, with no excess.
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Garden and plants coverage
Garden and plants coverage
Damage to your garden and plants is insured up to €30.000 (e.g. fire, storm, collision, or falling trees).
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Sustainable energy installations included
Sustainable energy installations included
Covers solar panels, heat pumps, home batteries, and other permanently installed sustainable energy systems.
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Optional: Glass cover
Glass cover
Damage to your belongings caused by glass shards from broken windows or mirrors is covered. Additional Glass cover can be taken out separately.
€24,84
Monthly premium
Extend your cover with our Household or Liability insurance policies and enjoy a discount. Simply add them during sign-up to receive the offer.
This insurance is provided by Frisia Assuradeuren B.V.. For full details, please refer to the Building Policy Conditions and the Glass Policy Conditions.
Who is this for?
Why choose us
Glide smoothly into the Dutch healthcare system.
No deductible applies
Nationwide public healtcare
Our insurance covers public hospital general care, emergencies, GP visits, maternity care and more.
100% English support
From customer service to policy documents, everything is in English—so you’ll always know exactly what you’re signing.
Family members covered
Easily add your partner and children to your policy, ensuring everyone enjoys the same quality coverage and peace of mind.
Have questions? We've got all the answers!
What does Home Insurance cover?
Home Insurance covers damage to your home in the Netherlands. This includes the building itself and permanently attached items such as outbuildings, fences, awnings, charging stations, pools, and sustainable energy installations.
All-risk cover insures your home against specific risks such as fire, explosion, lightning, storm, precipitation, leakage, vandalism, theft, and burglary. It also insures damage caused by other sudden and unforeseen events, unless explicitly excluded.
How much will be reimbursed after damage?
We reimburse the repair costs or reconstruction value of your home. If rebuilding is not possible or allowed, we reimburse the sale value or demolition value instead. If you disagree with the damage assessment, you may appoint your own expert (after consulting Glider Insurance).
Is garden damage insured?
Yes. Damage to your garden and plants is insured as standard up to €30.000, for example after fire, storm, collision, lightning, air traffic incidents, or falling trees.
What is not insured?
Home Insurance does not cover damage caused by:
- Earthquakes, volcanic eruptions, war, or nuclear reactions
- Construction defects or insufficient maintenance
- Gradually occurring damage
- Deliberate acts or illegal activities
Flood damage caused by the failure of primary flood defences is also not insured
Are there coverage restrictions I should know about?
Yes. Coverage may be limited:
- If water enters through open windows or doors.
- During renovation or construction work.
- If your home is vacant or unoccupied for more than one year
These situations must always be reported.
Is my home insured while renting it out?
Only if you choose the optional Rental cover. This applies whether you rent out your home short-term (up to 60 days per year) or long-term. Without Rental cover, your home is not insured while rented out.
Is there an excess (deductible)?
Yes, depending on your choices:
- Storm damage: €0 or €250
- All-risk cover: €0, €100, €300, or €500
- Rental cover: €250
There is no excess for glass damage.
When does the insurance start and can I cancel?
The insurance starts on the date stated on your policy and runs for one year. After the first year, you can cancel via your authorised agent or insurance adviser, effective on the date you choose.
What does Glass Insurance cover?
Glass Insurance covers the repair of broken glass that is part of your home and intended to let light through. This includes standard window glass, certain plastic materials that serve the same function as glass, and even non-translucent glass used as balcony partitions. Repair costs are fully covered when the repair is arranged via the appointed service provider.
Is there an excess (deductible) for glass damage?
No, there is no excess for Glass Insurance, unless explicitly stated otherwise in your policy schedule or special clauses. This means approved glass repairs are covered without you having to pay a deductible.
What is not covered under Glass Insurance?
Glass Insurance does not cover damage caused intentionally, during renovation or construction work, or due to poor material quality (such as insulating glass becoming opaque). Glass in vacant buildings (empty for more than one month), damage from natural disasters, fire, or explosions is also excluded.
In line with article 86f of the resolution on conduct supervision of financial entities (Bgfo), law on Supervision of Financial Entities (Wft), please be informed that LoonZorg does not charge any amount to the insured for the services provided. LoonZorg receives a compensation from insurance companies for the rendered services. This means that the monthly premium of the insurance policies are not affected by the LoonZorg services.
Need help? We've got you covered - in English!
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