Discover what home contents insurance costs in the Netherlands. Compare premiums per home type, view coverage options and find the best insurance.
Average cost for a home contents insurance (per month)
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.
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.
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.
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.
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.
| Service | From | To | Unit |
|---|---|---|---|
| Studio/apartment | €5 | €12 | per month |
| Terraced house | €10 | €20 | per month |
| Corner house | €12 | €25 | per month |
| Detached house | €18 | €40 | per month |
| Basic coverage | €5 | €15 | per month |
| All-risk coverage | €12 | €35 | per month |
| Glass coverage extra | €1 | €4 | per month |
A detached house in a rural area has a higher risk of burglary than an apartment in the city. This affects the premium.
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.
Basic coverage covers fire, burglary and water damage. All-risk coverage covers virtually all unforeseen damage, including your own fault.
Good locks, an alarm system and smoke detectors can result in a discount on your premium.
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.
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.
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.
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.
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