An HOA is built on shared responsibility. That works well when everything is running smoothly. But when damage occurs, things can quickly become complicated. Who pays when a storm damages the roof? What happens if a shared pipe causes water damage? And how can you prevent owners from having to make unexpected additional contributions? With HOA Building Insurance, these matters are arranged upfront. Clear for the board. Clear for the homeowners.
"}},{"componentType":"sectionTitle","title":"When things go wrong"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/asset/110d811b-34bb-4f89-81e0-ed7f0897d725/A-person-performs-a-sommersault-in-front-of-a-yellow-wall-outside.jpg","transformBaseUrl":"https://assets.ing.com/transform/110d811b-34bb-4f89-81e0-ed7f0897d725/A-person-performs-a-sommersault-in-front-of-a-yellow-wall-outside"},"componentType":"paragraph","richBody":{"value":"What starts in one apartment or commercial unit can result in costs for all owners. Examples include:
When damage occurs, you want immediate clarity: what is covered, who handles the claim, and who pays?
"}},{"componentType":"sectionTitle","title":"What does HOA building insurance cover?"},{"componentType":"paragraph","richBody":{"value":"This insurance covers the HOA building as a whole - not an individual apartment or office unit, but the entire building and its fixed components.
This includes:
The insurance covers damage caused by unexpected events such as fire, storm, water damage, lightning, burglary, or vandalism.
Good to know: damage caused by poor maintenance or damage that develops gradually - such as moisture slowly penetrating walls - is not covered. Always review the policy terms and conditions before purchasing insurance.
"}},{"actionAccordionList":[{"icon":{"altTextEN":"bank account with insurance","altTextFR":"compte bancaire avec assurances","altTextNL":"zichtrekening met verzekering","extension":"svg","original":"https://assets.ing.com/asset/2f6736b7-8c7c-45c8-92de-d2f9861ddd89/Products-Umbrella_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/2f6736b7-8c7c-45c8-92de-d2f9861ddd89/Products-Umbrella_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"This insurance is suitable for HOAs with a rebuilding value of up to €10 million.
It is important to provide the correct rebuilding value to avoid being underinsured. If you are unsure of the rebuilding value, have it professionally assessed by a qualified surveyor. This helps ensure your HOA has adequate coverage.
"}}],"title":{"value":"Who is this insurance for?
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/72ff574b-12ff-4887-b93e-dee174fed099/Insurance-House_On_Fire_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/72ff574b-12ff-4887-b93e-dee174fed099/Insurance-House_On_Fire_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Covered through the HOA
Owners arrange separately for their own unit
What is insured through the HOA, and what do you arrange yourselve?
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"The premium for your HOA building insurance is based on:
When calculating your premium, you'll immediately see how these factors affect the cost for your HOA.
"}}],"title":{"value":"What determines your HOA premium?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Wat is verzekerd?"},{"componentType":"paragraph","richBody":{"value":"The insurance covers damage to the building caused by unexpected events, including:
"},"title":"What is covered?"},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"png","original":"https://assets.ing.com/asset/ff7cc8a5-8f88-4118-9207-7b738caad211/731136-ATL-bannering-Batibouw-Insurance-tenant_37x22.png","transformBaseUrl":"https://assets.ing.com/transform/ff7cc8a5-8f88-4118-9207-7b738caad211/731136-ATL-bannering-Batibouw-Insurance-tenant_37x22","type":"image","width":5405},"items":[{"title":"Fire or explosion"},{"title":"Storm, hail, or severe rainfall"},{"title":"Water damage caused by events such as burst pipes"},{"title":"Lightning strikes or power surges"},{"title":"Burglary and vandalism"},{"textLink":{"text":"Get a premium indication","url":"https://mijnzakelijk.ing.nl/banking/insurances/business/building"},"title":"Costs related to damage, including debris removal and repairs"}]},{"componentType":"sectionTitle","title":"Clear insight into insurance for your HOA"},{"componentType":"paragraph","richBody":{"value":"As an HOA board member, you want clarity and control—without paperwork, complicated processes, or uncertainty when damage occurs.
Through ING, you can manage your insurance digitally.
"}},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Receive a premium indication for your HOA and gain insight into your expected monthly or annual costs.","title":"Calculate your premium online"},{"body":"You'll quickly see whether the insurance is suitable for your building. If it isn't, you'll receive immediate feedback on screen.","title":"Check whether the insurance fits your building"},{"body":"Submit your application digitally through My ING Business or the ING App.","title":"Apply for insurance"},{"body":"You'll immediately see whether coverage has been arranged.\r\n\r\nYour insurance policy will then be available in the ING App.\r\n\r\nIn some cases, additional review may be required, or the building may not be eligible for insurance through ING. If this applies, you will be informed immediately during the application process.","title":"Instant confirmation"}]}},{"componentType":"cta","microCopy":"Arranged within 3 minutes in My ING Business or the app","textLink":{"text":"Get a premium indication","url":"https://mijnzakelijk.ing.nl/banking/insurances/business/building"}},{"componentType":"sectionTitle","title":"In cooperation with Allianz Direct"},{"componentType":"paragraph","richBody":{"value":"For this insurance, we work together with Allianz Direct. Applying for insurance, making changes to your policy, or reporting a claim can all be done through My ING Business or the ING App. Allianz Direct is the insurer and risk carrier for this policy.
This means that:
Terms and documents
Below you can find more information about our partnership with Allianz Direct and the policy documentation for this insurance. Please review these documents carefully and save them for future reference.
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions about HOA Building Insurance"},{"accordionList":[{"richBody":{"value":"In practice, building insurance is often required for HOAs and is frequently stipulated in the deed of division or HOA regulations. Always check the requirements that apply to your HOA.
"},"title":"Is building insurance mandatory for an HOA?"},{"richBody":{"value":"The insurance covers damage to the building itself, including:
Coverage applies to sudden and unexpected events included in the policy, such as fire, storm damage, or burst pipes.
The exact scope of coverage can be found in the policy conditions for ING HOA Building Insurance.
"},"title":"What is covered by HOA building insurance?"},{"richBody":{"value":"Damage caused by poor maintenance or damage that develops gradually, such as moisture slowly penetrating the building structure, is not covered.
Other exclusions may also apply. Always review the policy conditions.
"},"title":"What is not covered?"},{"richBody":{"value":"You will need information about the building, including:
This is usually handled by the HOA board or the property manager on behalf of the HOA.
Make sure the information provided is accurate and that homeowners are informed about the insurance policy that has been arranged.
"},"title":"Who arranges insurance on behalf of the HOA?"}],"componentType":"accordion"},{"componentType":"cta","microCopy":"Arranged within 3 minutes in My ING Business or the app","textLink":{"text":"Get a premium indication","url":"https://mijnzakelijk.ing.nl/banking/insurances/business/building"}},{"componentStyle":"default","componentType":"linkList","iconTitle":{"icon":{"extension":"svg","original":"https://assets.ing.com/asset/a7cef3c2-ccec-4fad-af91-69c67222463a/Circle-Magnifying-glass.svg","transformBaseUrl":"https://assets.ing.com/transform/a7cef3c2-ccec-4fad-af91-69c67222463a/Circle-Magnifying-glass","type":"image","width":64},"title":"Might be interesting for you"},"textLinks":[{"text":"Company building insurance through ING","url":"/en/business/insurance/ing-company-building-insurance"},{"text":"Liability insurance","url":"/en/business/insurance/ing-company-liability-insurance"},{"text":"Everything for Homeowner Associations at ING","url":"/zakelijk/verenigingen-en-stichtingen/vereniging-van-eigenaren"},{"text":"Overview of all business insurances","url":"/en/business/insurance/company-vehicle"}]}]},"hasMacro":false,"id":"1257df8e-986d-411e-9158-981899057ca1","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business insurances","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/dcd5e0a2-13e0-45ea-bf2b-1e94c0cb85a4/Duurzaam-gebouw-verduurzamen.jpg","transformBaseUrl":"https://assets.ing.com/transform/dcd5e0a2-13e0-45ea-bf2b-1e94c0cb85a4/Duurzaam-gebouw-verduurzamen","type":"image","width":720},"promoStickerLayout":"Commercial&engagement","promoText":"New at ING • In cooperation with Allianz Direct","subtitle":"A fire in an apartment. Storm damage to the roof. A leak in the stairwell. As a Homeowner Association (HOA), you share responsibility for the building. That means you also share responsibility for the costs when damage occurs. Insure your building and avoid disputes within your HOA.","title":"Building insurance for homeowner associations"},"cta":{"componentType":"cta","microCopy":"Arranged within 3 minutes in My ING Business or the app","textLink":{"text":"Get a premium indication","url":"https://mijnzakelijk.ing.nl/banking/insurances/business/building?flowStartMode=HomeOwnerAssociation"}},"usps":[{"body":"For HOAs with a rebuilding value of up to €10 million","icon":{"extension":"png","original":"https://assets.ing.com/asset/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267}},{"body":"Covers damage to the building and common areas","icon":{"extension":"png","original":"https://assets.ing.com/asset/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267}},{"body":"Manage everything through My ING Business or the ING App","icon":{"extension":"png","original":"https://assets.ing.com/asset/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267}}]},"publishDate":"2026-07-24T13:04:35.211+02:00"}}