Buildings insurance in the Netherlands without commission

Why rebuilding value is the right starting point

For buildings insurance, you insure the cost of rebuilding the home if it were completely lost. That is the rebuilding value. The market value of the home tells you much less, because land, location and scarcity are part of market price but not the construction cost. A good policy starts with the correct valuation.

If you renovate, add an extension or install solar panels, the policy needs updating. Otherwise the home's value can rise faster than the insured sum. Underinsurance can remain hidden until the moment it matters most.

The conditions that matter after a claim

• Check whether the policy has automatic indexation.
• Ask whether solar panels, fixed outdoor lighting and charging points are included.
• Review the rules for using the insurer's repair network.
• Look closely at the deductible for storm, water or glass damage.

Commission-free comparison keeps the focus on cover

A commission-free comparison shows whether a more expensive buildings policy really has better terms or is simply more expensive because margin is built in. For a homeowner, the key question is whether the policy has the right rebuilding value, indexation and claims handling, not just the lowest monthly price.

How PolisMoment helps here

PolisMoment does not advise on buildings insurance and does not place policies. We route your request to one independent, commission-free advice firm that reviews your situation and provides a free, non-binding check.