{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"The cost of ING’s Home contents Insurance varies for everyone. It depends, among other things, on your living situation, the type of home, and your postal code. Read more here.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What determines your premium?"},{"componentType":"paragraph","richBody":{"value":"<p>The cost of ING’s <a data-type=\"internal\" href=\"/en/personal/insurances/home-insurance/home-contents-insurance\">Home contents Insurance</a> varies per person. We first look at your personal situation, including:</p><ul><li>Your living situation</li><li>Type of residence</li><li>Number of square meters</li><li>Your postal code</li></ul>"}},{"componentType":"sectionTitle","title":"Basic or All-Risk Coverage"},{"componentType":"paragraph","richBody":{"value":"<p>In addition to your personal situation, the type of coverage influences the premium. The more you insure, the higher the premium. You can choose between Basic or All-Risk coverage via ING. These can be expanded with modules for Out-of-Home, Mobile Electronics, and Glass.</p><p><strong>Basic Coverage</strong></p><p>With basic coverage, damage to your contents caused by fire, storm, lightning, (sewage) water, and (attempted) burglary or theft is covered up to €150,000, and your belongings are insured at replacement value for 10 years.</p><p><strong>All-Risk Coverage</strong></p><p>Want more certainty? With ING’s All-Risk coverage, you’re also insured for damage you accidentally cause yourself.</p>"},"textLinks":[{"text":"Read more about home fire insurance","url":"/en/personal/insurances/home-insurance/fire"},{"text":"Read more about storm damage insurance","url":"/particulier/verzekeren/woonverzekering/storm"},{"text":"Read more about lightning","url":"/particulier/verzekeren/woonverzekering/bliksem"},{"text":"More about water damage insurance","url":"/en/personal/insurances/home-insurance/water"},{"text":"More about theft insurance","url":"/en/personal/insurances/home-insurance/burglary"}]},{"componentType":"sectionTitle","title":"Other Costs and Conditions"},{"componentType":"paragraph","richBody":{"value":"<p>Insurance tax of 21% is included in the premium.</p>"}},{"componentType":"sectionTitle","title":"Home contents Insurance deductible"},{"componentType":"paragraph","richBody":{"value":"<p>With the ING Home contents Insurance, you can choose a deductible of €0, €100, or €500. You decide the amount yourself.</p>"}},{"componentType":"sectionTitle","title":"Good to know:"},{"componentType":"paragraph","richBody":{"value":"<ul><li>For items younger than 10 years, damage is assessed based on replacement value. The deductible is at your own expense.</li><li>For items older than 10 years, you receive the current value (replacement value minus depreciation).</li><li>Jewelry is covered up to €5,000 in case of theft.</li><li>Valuable items like computers and audiovisual equipment are insured up to €5,000, €15,000, or €30,000, you choose the amount. These can also be insured outside the home with the Out-of-Home module.</li><li>Want to insure drop and impact damage to mobile electronics throughout the Netherlands? Choose the Mobile Electronics module, which covers up to €7,500.</li><li>Theft from your car is covered up to €250.</li><li>Theft from a storage unit (kelderbox) is covered up to €250.</li><li>The ING Home Contents Insurance has no minimum term, you can cancel it daily.</li></ul>"}},{"componentType":"paragraph","richBody":{"value":"<p>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.</p>"},"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"},{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/application/home?flow-step=00-StartCalculating&EW=true"}},{"componentType":"linkList","iconTitle":{"title":"FAQ"},"textLinks":[{"text":"How do I take out a Home Contents Insurance?","url":"/particulier/verzekeren/woonverzekering/inboedelverzekering-afsluiten"}]},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"text":"Contents insurance card","url":"https://verzekeringskaarten.nl/ing/inboedelverzekering"},{"text":"Buildings insurance card","url":"https://verzekeringskaarten.nl/ing/opstalverzekering"},{"text":"Nationale-Nederlanden and ING service guide","url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf"},{"text":"Home insurance policy terms and conditions (PDF)","url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf"},{"text":"ING depreciation list 20230401","url":"https://assets.ing.com/m/71677dcad348e0a6/original/Afschrijvingslijst-ING-20230401.pdf"},{"text":"ING home insurance differences V2.0","url":"https://assets.ing.com/m/497fdc9c589fc4f0/original/2336533_INGD_Verschillenoverzichten-Inboedel-en-opstal-2-0-v9-combi_v3.pdf"}]}]},"hasMacro":false,"id":"80bb9157-c6cc-4681-b9ab-8b025bcf70cf","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"Because you value your belongings, you insure them against theft, storm, fire, water, and lightning damage. With the ING Home contents Insurance, you are covered up to €150,000 for insured damages. Your belongings are insured at replacement value for 10 years, giving you peace of mind at home.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/22b7cf0aceaca7f3/original/Woman-in-casual-clothing-sits-on-the-sofa-looking-at-her-mobile-phone.jpg","transformBaseUrl":"https://assets.ing.com/transform/f7f69a85-d5a6-4f09-b7f2-55a0af82b58c/Woman-in-casual-clothing-sits-on-the-sofa-looking-at-her-mobile-phone","type":"image","width":5627},"subtitle":"Everything about the costs of a home contents Insurance via ING","title":"What does a home contents insurance cost?"}},"publishDate":"2026-03-19T12:57:38.911+01:00"}}