View the policy terms and information documents for a complete overview of covered and excluded damages.
"},"textLinks":[{"url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf","text":"Home insurance policy terms and conditions (PDF)"},{"url":"https://verzekeringskaarten.nl/ing/opstalverzekering","text":"Buildings insurance card"}]}]},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/home?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}},{"componentType":"sectionTitle","title":"What is the difference between Basic Coverage and All-risk Coverage?"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Basic Coverage","subtitle":"Insured for damage to your home caused by, among other things, fire, storm, (attempted) burglary, and vandalism. Examples include:","usps":[{"body":"Your glued parquet floor is flooded after a water pipe bursts and warps after drying.","iconType":"check-mark"},{"body":"You have a kitchen fire due to overheating of the deep fryer.","iconType":"check-mark"},{"body":"Your front door is damaged after an attempted burglary.","iconType":"check-mark"}]},{"title":"All-risk Coverage","subtitle":"In addition to the basic coverage, you are also insured for damage you accidentally cause yourself, for example:","usps":[{"body":"Accidentally dropping something on the tiled floor, causing damage.","iconType":"check-mark"},{"body":"Accidentally dropping a pan that damages your ceramic built-in hob.","iconType":"check-mark"}]}],"title":"Basic Coverage,All-risk Coverage"},{"componentType":"sectionTitle","title":"Expand your home insurance with this additional module:"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Glass Module","intro":"A broken window due to an accident at home? The Glass Module covers damage to your home’s windows.","image":{"transformBaseUrl":"https://assets.ing.com/transform/ffedc7c2-4ede-4677-9fbd-65ae09a21c40/Glass-broken_outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/245f36b18c44585b/original/Glass-broken_outline_RGB.png","extension":"png"},"link":{"url":"/en/personal/insurances/home-insurance/glass-insurance"}}]},{"componentType":"sectionTitle","title":"5 stars from MoneyView for ING Home Insurance (All-risk)!"},{"componentType":"paragraph","richBody":{"value":"The ING Home Insurance (All-risk) came out on top in the latest home insurance test by MoneyView (June 2025)! The maximum 5 stars for the terms and conditions are partly thanks to the sustainable features of the ING Home Insurance, such as:
You choose ING Home Insurance (also called buildings insurance) when you want to properly insure your home against damage. The shed in your garden, garage, and solar panels are also included. As well as:
Taking out a new insurance policy and canceling your old one is arranged in 3 steps:
You want to be sure your home is properly insured. After all, your home is often one of the most expensive purchases in your life. With the guarantee against underinsurance, you don’t have to worry about your home being insured for too low an amount. You don’t want to think about it, but suppose your house needs to be completely rebuilt due to a fire. Then the insurer will reimburse the full amount to rebuild your home in the event of covered damage—even if the rebuilding value of your home has increased since you took out your Home Insurance.
"}},{"title":"Are sustainable objects also well insured?","richBody":{"value":"Do you already have solar panels on your roof? A heat pump for sustainable heating? Drive an electric car and have a charging station at home, or even a home battery? No worries—these objects are insured and will be repaired or replaced if they are damaged and covered. If you purchase them later, they are automatically included.
Do you have damage to your solar panels and lose electricity yield because of it? Then you will receive compensation of €2.50 per panel per week until your solar panels are repaired, for up to 26 weeks after the damage occurred.
"}},{"title":"Are adapted spaces also insured?","richBody":{"value":"Children staying home longer or parents moving in—the so-called ‘multi-generational homes’ are becoming more common. Often you need to adapt your garage or shed for this. These adapted living spaces, including the items inside, are automatically insured. And if you place a care unit on your property, for example, to provide family care, this unit is insured up to €100,000. Items inside (including medical equipment) are insured up to €25,000.
"}},{"title":"Additional help for major damage?","richBody":{"value":"For major damage caused by fire or burglary, help from the Home Damage Manager is included. They take care of all the arrangements for you. Need help processing this damage and your doctor refers you to a psychologist or psychiatrist? If these costs are not covered by your health insurance, we reimburse up to €1,000. This also applies to your health insurance deductible.
"}},{"title":"Is damage repaired sustainably?","richBody":{"value":"Professional repairers from Nationale-Nederlanden are happy to help. They repair only the damage instead of replacing everything, reducing waste and saving resources. Handy yourself? You can choose to repair the damage yourself—you’ll receive reimbursement for materials and compensation for your time.
Choose repair via the professional repair network of Nationale-Nederlanden? They check whether they can repair the damage (e.g., to glass, roof, floor, or wall) using the best insulating material for your home.
Companies in the repair network have the GroenGedaan! quality mark, meaning they work in an environmentally friendly way when repairing items—from walls to furniture. Read more about quality mark Groengedaan!
"}},{"title":"Conditions for insuring your home via ING","richBody":{"value":"Your home must meet the following conditions:
Keep in mind:
The cost of ING Home Insurance varies. Your premium depends on your situation, such as family composition, type of home, square meters, and age of the property.
You can choose a deductible of €0, €100, or €500. For extreme weather, it’s always €250. This amount is deducted from the compensation or paid when the damage is repaired. If you chose a €500 deductible and have damage from extreme weather, you only pay the highest deductible (€500), not the €250 for extreme weather.
Damage to both contents and buildings? You only pay the deductible once.
"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/deductible","text":"Read more about your deductible amount."}]}]},{"componentType":"sectionTitle","title":"Other relevant insurance"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Home contents Insurance","intro":"If your belongings in your home are damaged by fire, water, or storm damage, they are well insured.","image":{"transformBaseUrl":"https://assets.ing.com/transform/72c5f085-12a5-4f56-a3f1-2b6085fcacb9/Insurance-Estate_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/60880a8f6cfaa5a2/original/Insurance-Estate_Outline.svg","extension":"svg"},"link":{"url":"/en/personal/insurances/home-insurance/home-contents-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Legal Expenses Insurance","intro":"Legal help and advice to avoid high costs in disputes with, for example, a contractor.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3cb6ea34-3e9f-4a5b-a774-920f11aaac5d/Insurance-Legal_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/43e8081bc9b05c0c/original/Insurance-Legal_Outline.svg","extension":"svg"},"link":{"url":"/en/personal/insurances/legal-expenses-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Liability Insurance","intro":"Covered for damage you, a family member, or your pet accidentally cause to others or their belongings.","image":{"transformBaseUrl":"https://assets.ing.com/transform/496873b2-32dd-4902-903c-4accbcdc202d/securityOutline","type":"image","width":32,"original":"https://assets.ing.com/m/369f45ee485f4c97/original/securityOutline.svg","extension":"svg"},"link":{"url":"/en/personal/insurances/liability-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Student Insurance","intro":"Cover the biggest risks at once with a special insurance for students.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c458ff4f-6d04-48e2-901a-973911de1d04/Savings_goals-Study_Hat_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/5f6d55080131eac7/original/Savings_goals-Study_Hat_Outline.svg","extension":"svg"},"link":{"url":"/en/personal/insurances/student-insurance"}}]},{"componentType":"sectionTitle","title":"Already have an ING home insurance?"},{"componentType":"accordion","accordionList":[{"title":"I already have an ING home insurance and want to adjust it","richBody":{"value":"You have an ING home insurance. We’re happy about that because with ING home insurance your belongings and home are well insured. Sometimes it’s necessary to adjust your home insurance.
"},"textLinks":[{"url":"/en/personal/insurances/amend-insurance-policy","text":"Read more about adjusting your ING home insurance."}]},{"title":"I want to file a damage claim","richBody":{"value":"ING home insurance is fully customizable. Whether your damage is covered depends on the modules you have chosen. You can find how you are insured and which modules you have chosen on your policy sheet, in Mijn ING, or in the ING App.
"},"textLinks":[{"url":"/en/personal/insurances/file-damage-claim","text":"Read more about filing a damage claim"}]},{"title":"I’m moving","richBody":{"value":"Are you moving soon? Don’t forget to adjust your existing insurance. Fortunately, this is quickly arranged via ING, both via Mijn ING and the app.
"},"textLinks":[{"url":"/en/personal/insurances/amend-insurance-policy","text":"Read more about adjusting your ING home insurance."}]}]},{"componentType":"sectionTitle","title":"Blogs"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Home News & Blogs (Dutch only)","intro":"Read everything about your home and home insurance so you know exactly how it works and can enjoy your home with peace of mind.","image":{"transformBaseUrl":"https://assets.ing.com/transform/cfcc4078-04c2-418d-8ae7-9120764095aa/Young-woman-using-mobile-phone-and-laptop-while-sitting-at-home","type":"image","width":7200,"original":"https://assets.ing.com/m/588906f729e5914e/original/Young-woman-using-mobile-phone-and-laptop-while-sitting-at-home.jpg","extension":"jpg"},"link":{"url":"/particulier/verzekeren/woonverzekering/woonblogs"}}]},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/home?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}},{"componentType":"linkList","iconTitle":{"title":"Relevant links"},"textLinks":[{"url":"/en/personal/insurances/file-damage-claim","text":"Make insurance claim"},{"url":"/en/personal/payments/bank-accounts/become-a-customer","text":"Become an ING customer"},{"url":"/en/personal/insurances/switching-your-insurance-to-ing","text":"Free help switching banks"},{"url":"/en/personal/insurances/amend-insurance-policy","text":"Make changes to your insurance"},{"url":"/en/personal/insurances/cancellation","text":"Cancel your ING insurance"}]},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"url":"https://verzekeringskaarten.nl/ing/inboedelverzekering","text":"Contents insurance card"},{"url":"https://verzekeringskaarten.nl/ing/opstalverzekering","text":"Buildings insurance card"},{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"},{"url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf","text":"Home insurance policy terms and conditions (PDF)"},{"url":"https://assets.ing.com/m/71677dcad348e0a6/original/Afschrijvingslijst-ING-20230401.pdf","text":"ING depreciation list 20230401"},{"url":"https://assets.ing.com/m/497fdc9c589fc4f0/original/2336533_INGD_Verschillenoverzichten-Inboedel-en-opstal-2-0-v9-combi_v3.pdf","text":"ING home insurance differences V2.0"}]},{"componentType":"paragraph","title":"Partnership with Nationale-Nederlanden","richBody":{"value":"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":[{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]}]}}}