{"type":"document","data":{"id":"29983ee2-ac31-42ea-92ad-cd40f4856f27","localeString":"en-GB","publishDate":"2026-03-13T17:51:41.118+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"See which deductible applies to each coverage of the home insurance (contents, building, liability insurance, and glass coverage)."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"The table below shows the deductible per coverage type.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/13f1d1db-4faa-4bd5-8344-6ca7a2f84f73/People-sitting-in-front-of-a-cafe-in-the-historical-city-brussels","type":"image","width":5152,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/5ed1ff3bf1b81116/original/People-sitting-in-front-of-a-cafe-in-the-historical-city-brussels.jpg","extension":"jpg"},"title":"Home insurance deductible"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Deductible","richBody":{"value":"<p><span><span><span>The deductible is the amount you must pay yourself in case of damage, or it is deducted from your compensation. With home insurance, you can choose a deductible of €0, €100, or €500 per incident.</span></span></span></p><p><span><span><span>Is there a tenant’s or owner’s interest, or do you have damage to your home (only applicable to the building insurance)? Then, for damage caused by extreme weather (storm and/or heavy local rainfall and/or downpours), a deductible of €250 always applies. If you have chosen a deductible of €500, that amount also applies in cases of extreme weather.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Deductible per Coverage"},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th><span><span><span>Coverage</span></span></span></th><th><span><span><span>Condition</span></span></span></th><th><span><span><span>Standard Amount</span></span></span></th><td><p><strong><span><span><span>Exceptional Condition and Amount</span></span></span></strong></p></td></tr></thead><tbody><tr><td><p><span><span><span>Household Contents</span></span></span></p></td><td><p><span><span><span>Choice</span></span></span></p></td><td><p><span><span><span>€0, €100 or €500</span></span></span></p></td><td> </td></tr><tr><td><p><span><span><span>Liability</span></span></span></p></td><td><p><span><span><span>Choice</span></span></span></p></td><td><p><span><span><span>€0 or €100</span></span></span></p></td><td> </td></tr><tr><td><p><span><span><span>Building (structure)</span></span></span></p></td><td><p><span><span><span>Choice</span></span></span></p></td><td><p><span><span><span>€0, €100 or €500</span></span></span></p></td><td><span><span><span>Extreme weather: minimum €250</span></span></span></td></tr><tr><td><p><span><span><span>Glass Insurance</span></span></span></p></td><td><p><span><span><span>Choice</span></span></span></p></td><td><p><span><span><span>€0, €100 or €500</span></span></span></p></td><td> </td></tr></tbody></table>"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{"url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf","text":"Home insurance policy terms and conditions (PDF)"},{"text":"Liability insurance"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}