Insurance for your first home in the Netherlands

Buying a house involves a lot of paperwork. Besides the mortgage and the notary, there are several non-life insurances you need to arrange immediately. Some are even a strict requirement from your mortgage lender.

First-time buyers and home movers who have bought or are going to buy a property. · Updated: 2026-06-12

Buildings insurance: a mortgage requirement

The mortgage lender wants to be sure their collateral (your house) is well protected. That is why buildings insurance is mandatory. It covers damage to the structure of your home from fire, storm, or water. Note: if you buy an apartment, this is often arranged collectively through the VvE (Owners' Association).

Contents and liability

Your contents insurance covers your loose belongings, from your new sofa to your laptop. When moving to a larger home, the value of your items is often higher than you think. Personal liability insurance (AVP) is also indispensable: a leaking washing machine in your home can cause damage to the neighbors.

Legal assistance for housing

Nothing is more annoying than discovering a hidden defect after getting the keys. Legal expenses insurance with a 'Housing' module helps you with legal disputes with the seller, the contractor, or the neighbors.

Frequently asked questions

When should the buildings insurance start?

The insurance must start on the day of the key transfer at the notary. From that moment, you are the legal owner and bear the risk.

What if I renovate before I move in?

Always inform your insurer. During renovations, different rules or coverage limitations may apply, especially if the property is vacant.

Keep reading

Situation: moving in together