How much does home contents insurance cost?
Discover what home contents insurance costs in the Netherlands. Compare premiums per home type, view coverage options and find the best insurance.
Ranges compiled from Dutch market rates. Moving.nl does not carry out the work itself.
Updated on 25 July 2026
Price indication
€5-€40
per month
On this page
In short
- A this service usually costs €5 to €40 per maand.
- Risicopremie is the biggest item, around 70 percent of the total.
- 4 factors decide what you pay, from the floor you live on to the distance.
What costs what
Detached house
€18 - €40per month
All-risk coverage
€12 - €35per month
Corner house
€12 - €25per month
Terraced house
€10 - €20per month
Basic coverage
€5 - €15per month
Studio/apartment
€5 - €12per month
Glass coverage extra
€1 - €4per month
Where your money goes
Total
€5to€40
Risk premium70%
€4 to €28 per month
Het deel dat de schades van alle verzekerden dekt.
Costs and management20%
€1 to €8 per month
Insurance tax10%
€1 to €4 per month
How much does home contents insurance cost in 2026?
In 2026, home contents insurance will cost an average of 10 to 25 euros per month. The premium depends on your type of home, the value of your contents, the type of coverage and your place of residence. Basic coverage starts from 5 euros per month for a small apartment. All-risk cover for a large house can amount to 40 euros per month.
What does home contents insurance cover?
Home contents insurance covers damage to your belongings in your home. This includes furniture, electronics, clothing, jewelry and all other movable property. Basic coverage protects against fire, burglary, storm and water damage. Comprehensive or all-risk coverage adds unforeseen damage, such as a fallen television or spilled wine on your couch.
Basic, extended or all-risk?
The three common coverage levels are basic, comprehensive and all-risk. Basic cover is the cheapest but only covers standard risks. Extensive adds additional risks such as damage from precipitation and collision. Allrisk covers virtually all unforeseen damage and is the broadest but most expensive option. For most households, extensive offers the best balance.
Prevent underinsurance
Underinsurance is a common problem. If your insured contents value is lower than the actual value, you will only be reimbursed a proportionate part in the event of damage. Therefore, make an honest inventory of your belongings and adjust the insured value regularly. Many insurers offer a guarantee against underinsurance if you complete their home contents survey.
Tips for choosing home contents insurance
Compare at least three insurers on premium, coverage, deductible and conditions. Please note the maximum reimbursement per category, for example for jewelry or electronics. Check if outdoor coverage is included. Combine your home contents insurance with your buildings insurance for a combination discount. And always report changes such as renovations or expensive purchases to your insurer.
What determines the price?
Property type and location
A detached house in a rural area has a higher risk of burglary than an apartment in the city. This affects the premium.
Value of your belongings
The higher the home contents value, the higher the premium. An average home contents value in the Netherlands is 50,000 to 80,000 euros.
Type of coverage
Basic coverage covers fire, burglary and water damage. All-risk coverage covers virtually all unforeseen damage, including your own fault.
Security measures
Good locks, an alarm system and smoke detectors can result in a discount on your premium.
Saving tips
- Make an inventory of your belongings with photos and proof of purchase. This speeds up the handling of damage.
- Choose comprehensive coverage if you have valuables. The premium difference is often only a few euros per month.
- Check whether your home contents value is correct. Underinsurance means that you will only be partially reimbursed in the event of damage.
- Combine your home contents insurance with your buildings insurance with the same insurer for a combination discount.
- Check whether outdoors is also insured. This covers damage to items you take with you, such as a laptop or bicycle.
Frequently asked questions
- How much does home contents insurance cost per month?
- Home contents insurance costs an average of 10 to 25 euros per month. For a small apartment you pay from 5 euros per month. For a large detached house, the premium can amount to 40 euros per month, depending on the coverage.
- What is the difference between basic and all-risk?
- Basic coverage covers the most common risks such as fire, burglary, storm and water damage. All-risk coverage also covers unforeseen damage due to your own fault, such as a fallen vase or a dropped laptop. Allrisk is broader but more expensive.
- How do I determine my home contents value?
- Your home contents value is the total new value of all your possessions in your home: furniture, electronics, clothing, kitchen utensils and more. Most insurers offer an online home contents value meter. An average home contents value is 50,000 to 80,000 euros.
- Is glass damage covered?
- Glass damage is not covered as standard by most basic insurance policies. You can add glass coverage as an extra module for 1 to 4 euros per month. This covers breakage of windows, mirrors and glass doors.