For both your home contents insurance and home insurance, you can choose between Basic and All Risk cover.
With Basic cover, you're insured against many common events listed in the policy terms, such as fire, storm damage, burglary and certain types of water damage. All Risk cover offers additional protection, covering a wider range of unexpected damage to your home or belongings, for example accidental drops, bumps or impacts.
The right level of cover depends on your personal situation and how much peace of mind you'd like to have.
"}},{"componentType":"cta","textLink":{"text":"Adjust your insurance","url":"https://mijn.ing.nl/banking/insurances/services?EW=true"}},{"comparisonCardList":[{"subtitle":"Covered for damage to your home or belongings caused by events such as fire, storms, burglary (or attempted burglary) and leaks. Examples include:","title":"Basis","usps":[{"body":"Your glued parquet floor is flooded after a water pipe bursts and warps as it dries out.","iconType":"check-mark"},{"body":"A television damaged by a lightning strike.","iconType":"check-mark"},{"body":"You experience a kitchen fire caused by an overheated deep fryer.","iconType":"check-mark"},{"body":"A laptop is stolen during a burglary.","iconType":"check-mark"}]},{"subtitle":"In addition to Basic cover, you're also insured against accidental damage caused by you, for example:","title":"Allrisk","usps":[{"body":"You accidentally drop something heavy onto your glass table, causing it to break.","iconType":"check-mark"},{"body":"You accidentally drop an object on your tiled floor, damaging the tiles.","iconType":"check-mark"},{"body":"You accidentally drop a pan, causing damage to your ceramic hob.","iconType":"check-mark"},{"body":"Please note: Accidental damage (drops, bumps and impacts) to mobile electronic devices is not covered by All Risk Home Contents Insurance. For this type of cover, you can take out the additional Mobile Electronics module.","iconType":"cross"}]}],"componentType":"comparisonCards","title":"Basis,Allrisk"},{"componentType":"sectionTitle","title":"Your situation can change"},{"componentType":"paragraph","richBody":{"value":"What suited you when you first took out your home insurance may not necessarily be the best fit today.
Perhaps you've renovated your home, purchased new belongings, or your view on insurance has changed over the years.
That's why some customers choose to review their cover from time to time. Whether Basic or All Risk cover is the better choice depends on your personal situation and needs.
"}},{"componentType":"cta","textLink":{"text":"Adjust your insurance","url":"https://mijn.ing.nl/banking/insurances/services?EW=true"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"Your situation may change over time. For example, you might move house, renovate your home, or want to review your current level of cover.
In Mijn ING or the ING App, you can easily view and adjust your home insurance. This allows you to check whether your current insurance still matches your home and personal situation.
Use the link below to find more information about changing your home insurance.
"},"textLinks":[{"text":"Read more about making changes to your ING Home Insurance","url":"/en/personal/insurances/amend-insurance-policy"}],"title":"How can I change my ING Home Insurance?"},{"richBody":{"value":"Has your home or household contents been damaged? You can easily report a claim through ING.
Whether a claim is covered depends on your insurance policy and the cover you have chosen. Once you have submitted your claim, we will assess what happened and whether the damage is covered under your insurance.
Use the link below to find all the information you need about reporting a claim on your home insurance.
"},"textLinks":[{"text":"Read more about reporting a claim","url":"/en/personal/insurances/file-damage-claim"}],"title":"How do I report a claim?"},{"richBody":{"value":"Moving to a new home? It’s a good idea to check whether your home insurance still matches your new living situation.
If you buy a house, you will usually need to arrange a building insurance policy yourself. If you live in an apartment that is part of a homeowners’ association (VvE), the building insurance may already be arranged through the association. If you're unsure, check who is responsible for the building insurance.
Contents insurance covers the belongings in your home. Building insurance covers the home itself and everything permanently attached to it, such as a kitchen or bathroom.
Make sure your insurance starts from the moment you become responsible for the property.
Already have home insurance? In many cases, you only need to update your address and living situation. This is also a good opportunity to check whether your current level of cover still suits your new home.
"},"textLinks":[{"text":"Read more about making changes to your ING Home Insurance","url":"/en/personal/insurances/amend-insurance-policy"}],"title":"What should I do with my home insurance when I'm moving house?"},{"richBody":{"value":"You may choose ING Home Contents Insurance if you want to make sure your valuable belongings are well protected. It also provides cover for expenses such as emergency accommodation, clean-up costs after damage, and costs incurred to prevent or limit further damage.
What is covered?
You may choose ING Buildings Insurance (also known as home insurance for the building itself) if you want to protect your home against damage. This cover also includes structures such as your shed, garage and solar panels.
In addition, cover includes:
For this non-life insurance, ING works together with Nationale-Nederlanden. ING acts as an intermediary for this insurance and is your trusted point of contact. Through ING, you can take out, view, change, and cancel the insurance. You can also report a claim to Nationale-Nederlanden via the ING app or Mijn ING. Nationale-Nederlanden is the insurer that offers this insurance under the ING brand, exclusively for ING customers. Nationale-Nederlanden collects your premium and pays out any applicable claims. ING receives an ongoing commission for mediating this insurance in the form of a fixed percentage of the premium.
"},"textLinks":[{"text":"Nationale-Nederlanden and ING service guide","url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf"}],"title":"Partnership with Nationale-Nederlanden"}]},"hasMacro":false,"id":"e3a154c6-e68e-4149-b3b8-d00f0e3426c4","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/bfd641de1467144/original/GROUP-OF-PEOPLE-SITTING-ON-SOFA.JPG","publishedAt":"2020-07-09T00:00:00Z","transformBaseUrl":"https://assets.ing.com/transform/6dacae0c-d545-4d6e-9ce9-a2c071a41137/GROUP-OF-PEOPLE-SITTING-ON-SOFA","type":"image","updatedAt":"2024-04-16T10:24:54Z","width":4239},"promoStickerLayout":"None","subtitle":"You may be wondering whether your current Basic cover still provides enough protection, or whether an All Risk policy is a better fit for what matters most to you. We explain the differences, so you can decide for yourself which type of cover best suits your situation.","title":"Basic or All Risk: which suits your situation best?"},"cta":{"componentType":"cta","textLink":{"text":"Adjust your insurance","url":"https://mijn.ing.nl/banking/insurances/services?EW=true"}},"usps":[{"body":"Check whether your current cover still suits your situation","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/60880a8f6cfaa5a2/original/Insurance-Estate_Outline.svg","publishedAt":"2022-07-04T11:36:33Z","transformBaseUrl":"https://assets.ing.com/transform/72c5f085-12a5-4f56-a3f1-2b6085fcacb9/Insurance-Estate_Outline","type":"image","updatedAt":"2022-07-04T12:39:10Z","width":32}},{"body":"Discover the difference between Basic and All Risk cover","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/2e4b46c787db84e0/original/Products-Moneybag_Outline.svg","publishedAt":"2022-07-04T13:55:17Z","transformBaseUrl":"https://assets.ing.com/transform/c549a4cb-c50a-4d19-8a0e-ef371e9b4f6b/Products-Moneybag_Outline","type":"image","updatedAt":"2022-07-04T13:58:17Z","width":32}},{"body":"Easily adjust your insurance","icon":{"extension":"svg","original":"https://assets.ing.com/asset/996ed052-8835-4423-97fc-2df8065ea871/changeofpath.svg","publishedAt":"2026-02-12T09:15:10Z","transformBaseUrl":"https://assets.ing.com/transform/996ed052-8835-4423-97fc-2df8065ea871/changeofpath","type":"image","updatedAt":"2026-02-12T09:22:16Z","width":160}}]},"publishDate":"2026-10-13T10:06:38.609+02:00"}}