If you own a holiday home in the Netherlands or plan to buy one, you’ll probably want to know that your second property can be protected against risk. For instance, a broken pipe could lead to flooding. A guest might become injured and sue you for negligence. A thunderstorm could damage your roof while you’re out of the country. These are all situations that some holiday homeowners may experience, sometimes without sufficient insurance in place. So, to help avoid costly disasters — choose Intasure’s holiday home insurance in the Netherlands.
Click below to get a quote now or talk to our expert team for assistance on 0345 111 0680.
What is Netherlands holiday home insurance?
Netherlands holiday home insurance is a policy that helps protect you and your property should loss or damage occur.
As holiday homes generally have longer unoccupancy periods than standard properties, it can be crucial that you have sufficient cover to protect your property against risks during this time. That’s why we offer cover whether your property is occupied or not.
Another form of insurance you may wish to consider is public liability insurance. This protection is suitable for letting holiday homes out to guests.
What does Netherlands holiday home insurance cover?
The most basic form of holiday home insurance is building and contents cover. We offer both as standard; however, this isn’t the case with all holiday home insurance providers. Some providers split these key forms of cover, meaning the policyholder may need to purchase two separate policies, which can be more costly.
Buildings and Contents Cover
Our cover helps protect against damage or loss to the structure of your holiday home and contents. The protection extends to outbuildings used for domestic purposes.
Areas covered *:
- Damage to buildings or contents due to natural disasters, such as extreme weather, floods, fires, storms, and earthquakes (dependent on location).
- Escaped water, sewage, or oil from household appliances, such as washing machines and dishwashers.
- Theft of personal property, money (up to £250), and valuables.
- Accidental damage to household goods, sanitary fixtures.
- Loss or damage caused by electrical power surges.
- Additional cover is available for theft or accidental damage of pedal bikes.
* Please refer to your policy details.
Public Liability Cover
Renting your property to paying guests is a great way to earn a consistent income, but it isn’t without risks. For example, what if a guest is injured at your second home and claims compensation? In these scenarios, our public liability insurance offers up to £5 million in cover. It can also offer support in situations where a guest damages your belongings.
Emergency Travel Cover
Emergency travel costs can spiral out of control when returning to your second home at the last minute. With Intasure, you won’t need to worry about travel costs preventing you from averting a disaster. Our cover can reimburse you for travel costs incurred following an insured claim.
Loss of Rent Cover
This cover offers protection for lost rent following a claim for damages which means you can’t house guests. It will compensate you for confirmed bookings that don’t go ahead.
Unoccupancy cover can safeguard your home, whether it is occupied or not, for up to 60 days. It is worth noting that some other providers offer less generous unoccupancy cover.
What property types can I cover?
Whether you choose to buy an Amsterdam apartment, or a trendy townhouse in the suburbs, our insurance policies protect your home from several risks. We cover the following property types:
- Flats and apartments
How much does Netherlands holiday home insurance cost?
Several factors influence the cost of holiday home insurance. Every property is unique, and therefore each policy is priced differently. Some of the variables which affect the price you pay include:
- Your property type – the property type and its size affect your premium.
- The age of your property – Newer properties that require fewer renovations cost less to insure.
Why choose Intasure?
As holiday home insurance experts, we have a vast knowledge of overseas insurance markets. That includes working with foreign authorities and regulators to adapt our cover to the latest rules. For you, that means purchasing a policy that’s reflective of the Dutch market.
Some other benefits of buying Netherlands holiday home insurance with Intasure include:
- Specialist knowledge of insuring properties in the Netherlands.
- Policies tailored to your needs through additional covers.
- Up to £1 million buildings cover and £5 million public liability.
- Cover all year round through unoccupancy cover.
- Cover for short and long-term lets.
If you need to deal with a claim while based in the Netherlands, don’t worry. Our customer support team is entirely English-speaking. Plus, your policy documentation is written in plain English, so you can refer to it whenever you need it. You’ll always deal with a representative who understands how best to support you.
Holiday Home Insurance Netherlands FAQs
Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.