{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"A fire can lead to significant costs. That’s why you want to be properly insured. Find out why you don’t need a separate fire insurance policy with ING.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is fire insurance?"},{"componentType":"paragraph","richBody":{"value":"<p>Fire insurance covers damage caused by fire. This may also include soot damage, extinguishing damage, and smoke damage. Some insurers offer a separate fire insurance policy. At ING, fire damage is easily covered through your contents and/or home insurance.</p>"}},{"accordionList":[{"richBody":{"value":"<p>Want to insure the items in your home against fire damage? Choose the comprehensive coverage of an ING contents insurance. This includes damage from fire, extinguishing efforts, smoke, or burnt-out equipment.</p><ul><li>Insured for replacement value for 10 years</li><li>Coverage up to €150,000</li><li>Garden furniture and sunshades also covered</li></ul><p>The ING contents insurance also covers damage from lightning, storms, precipitation, flooding, (sewage) water, and (attempted) burglary and theft.</p>"},"textLinks":[{"text":"Take out ING contents insurance","url":"/en/personal/insurances/home-insurance/home-contents-insurance"},{"text":"More about lightning","url":"/particulier/verzekeren/woonverzekering/bliksem"},{"text":"More about storm damage insurance","url":"/particulier/verzekeren/woonverzekering/storm"},{"text":"More about water damage insurance","url":"/en/personal/insurances/home-insurance/water"},{"text":"More about flooding","url":"/particulier/verzekeren/woonverzekering/overstroming"},{"text":"More about theft insurance","url":"/particulier/verzekeren/woonverzekering/inbraak"}],"title":"Insuring your belongings against fire: how it works"},{"richBody":{"value":"<p>With the ING Home Insurance, your house is covered for minor and major fire damage, as well as damage from extinguishing and smoke. This includes costs for repair work. And if your home needs to be (partially) rebuilt after a fire, those costs are also covered.</p><ul><li>Coverage includes underinsurance guarantee</li><li>Solar panels, garage, and garden house also covered</li><li>Temporary alternative housing costs are covered</li></ul><p>The ING home insurance also covers damage from lightning, storms, precipitation, (sewage) water, and (attempted) burglary and theft.</p>"},"textLinks":[{"text":"All about ING home insurance","url":"/en/personal/insurances/home-insurance/building-insurance"},{"text":"Home insurance policy terms and conditions (PDF)","url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf"}],"title":"Insuring your home against fire: how it works"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"What is not covered in case of fire?"},{"componentType":"paragraph","richBody":{"value":"<p>Fire damage is not covered if it:</p><ul><li>Was caused intentionally</li><li>Could have been prevented</li><li>Resulted from illegal activities (e.g. cannabis cultivation)</li></ul><p>Damage from earthquakes, flooding from primary water defences, construction defects, poor maintenance, and gradual damage is not covered. Check all exclusions in the home insurance policy conditions.</p>"},"textLinks":[{"text":"Home insurance policy terms and conditions (PDF)","url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf"}]},{"componentType":"sectionTitle","title":"What does fire insurance cost?"},{"componentType":"paragraph","richBody":{"value":"<p>ING does not offer a separate fire insurance policy. Fire damage is covered through contents and/or home insurance. The premium (i.e. the cost of your insurance) depends on your situation and the coverage you choose.</p>"},"textLinks":[{"text":"Calculate your home insurance premium","url":"https://mijn.ing.nl/banking/mobile/insurances/application/home?flow-step=00-StartCalculating&EW=true"}]},{"componentType":"sectionTitle","title":"Appoint your own claims manager in case of fire"},{"componentType":"paragraph","richBody":{"value":"<p>If fire damage has major emotional or financial impact, ING goes beyond just compensation. Want a claims manager? One can be at your home quickly to assist you, until the fire damage is fully resolved.</p>"}},{"componentType":"sectionTitle","title":"Frequently asked questions about fire insurance or fire damage"},{"accordionList":[{"richBody":{"value":"<p>Everything you need to know about fire damage and other types of damage to your home and/or belongings is in the policy conditions.</p>"},"textLinks":[{"text":"Home insurance policy terms and conditions (PDF)","url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf"}],"title":"Where can I find the policy conditions?"},{"richBody":{"value":"<p>This is a common question. Whether you take out a separate fire insurance or cover fire damage through home and/or contents insurance is up to you.</p><p>Some mortgage providers require home insurance to ensure you can still repay your mortgage in case of unexpected damage, such as fire.</p>"},"title":"Is fire insurance mandatory?"},{"richBody":{"value":"<p>With ING, contents insurance covers more than just fire damage. It also includes storm damage, water damage, and theft.</p>"},"textLinks":[{"text":"Read more about Home Contents insurance","url":"/en/personal/insurances/home-insurance/home-contents-insurance"}],"title":"Is contents insurance also fire insurance?"}],"componentType":"accordion"},{"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":"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"}]},{"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"}]},"hasMacro":false,"id":"28e44d43-1b01-4f6e-8cd3-42b502005cfa","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"Fire – you hope it never happens. But if it does, you want to be well insured. The costs can be significant. At ING, fire damage is covered through a home insurance (for your house) and/or contents insurance (for your belongings).","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/10944f72efcb324a/original/Young-woman-smiling-at-fireworks.jpg","transformBaseUrl":"https://assets.ing.com/transform/a8adbdef-1bba-4ce1-a6ee-250fc2ce838d/Young-woman-smiling-at-fireworks","type":"image","width":3000},"subtitle":"How to get proper fire damage coverage with ING","title":"Fire Insurance for your home or belongings?"},"cta":{"componentType":"cta","microCopy":"Je zit nog nergens aan vast","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/application/home?flow-step=00-StartCalculating&EW=true"}},"secondaryCta":{"textLink":{"text":"Not an ING customer? Calculate here","url":"/en/personal/insurances/home-insurance/apply-for-home-insurance"}}},"publishDate":"2026-03-13T17:51:18.837+01:00"}}