{"type":"document","data":{"id":"700e7a27-c0fd-41fd-940b-c1347d8cc465","localeString":"en-GB","publishDate":"2026-03-19T12:58:35.136+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Your home and belongings are well insured against flooding, storm and wind damage with the contents and building insurance. Read more here."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Due to climate change, we are increasingly at risk of damage caused by flooding. This can result in significant damage. With the ING Building Insurance, your home is insured against flooding in most cases. With the ING Contents Insurance, your belongings are insured. Exceptions are floods from primary water barriers. These are floods from major rivers or the sea, for example when dunes or dikes break.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/82619158-0049-4c74-82ee-d9e773c1cb2d/View-of-flooded-highway-from-kayak","type":"image","width":3861,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/46a4fc3919217a07/original/View-of-flooded-highway-from-kayak.jpg","extension":"jpg"},"title":"Damage caused by flooding","subtitle":"With ING, you are well insured"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is insured?"},{"componentType":"paragraph","richBody":{"value":"<p>Flooding from water from rivers, lakes, and canals. This concerns non-primary water barriers. Examples include the floods of the Geul and the Julianakanaal in Limburg in the summer of 2021.</p>"}},{"componentType":"sectionTitle","title":"What is not insured?"},{"componentType":"paragraph","richBody":{"value":"<p>With an ING Building Insurance and/or Contents Insurance, you are not insured for damage caused by flooding from a primary water barrier. Examples include the dunes of the North Sea and the dikes of major rivers such as the Meuse and the Rhine. You are therefore not insured for damage caused by:</p><ul><li><p>Water that originates wholly or partly from the sea;</p></li><li><p>Water that originates wholly or partly from inland water that has failed, overflowed, or broken through a primary water barrier;</p></li><li><p>Water that has overflowed in areas outside the dikes;</p></li><li><p>Flooding caused by direct government action.</p></li></ul>"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/building-insurance","text":"More about building insurance"},{"url":"/en/personal/insurances/home-insurance/home-contents-insurance","text":"More about home contents insurance"}]},{"componentType":"sectionTitle","title":"Damage to your home caused by flooding"},{"componentType":"paragraph","richBody":{"value":"<p>Floods also occur in the Netherlands and can cause a lot of damage to your home. Your home becomes submerged, your floor, kitchen, and walls are damaged. That’s when the ING Building Insurance comes in handy.</p><ul><li>No maximum insured amount (guarantee against underinsurance)</li><li>Charging station, heat pump, garage, and garden house are also insured</li></ul><p>The ING Building Insurance also provides coverage for damage caused by: lightning, storm, precipitation, (sewage) water, and (attempted) burglary and theft. The ING Building Insurance has no minimum term; you can cancel the insurance daily.</p>"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/building-insurance","text":"Everything about the ING Building Insurance and costs"},{"url":"/particulier/verzekeren/woonverzekering/bliksem","text":"More about lightning"},{"url":"/particulier/verzekeren/woonverzekering/storm","text":"More about storm"},{"url":"/en/personal/insurances/home-insurance/water","text":"More about precipitation"},{"url":"/en/personal/insurances/home-insurance/burglary","text":"More about burglary"}]},{"componentType":"sectionTitle","title":"Damage to your contents caused by flooding"},{"componentType":"paragraph","richBody":{"value":"<p>Flooding from a non-primary water barrier can cause water to enter your home and damage your furniture. The ING Contents Insurance provides good coverage for this damage caused by flooding.</p><ul><li>Insured at new value for 10 years</li><li>Coverage up to €150,000</li><li>Garden furniture and sunshades also insured</li></ul><p>The ING Contents Insurance also provides coverage for damage caused by: lightning, storm, precipitation, (sewage) water, and (attempted) burglary and theft. The ING Contents Insurance has a minimum term of one year. After the first year, you can cancel the insurance daily.</p>"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/home-contents-insurance","text":"Take out the ING Contents Insurance"},{"url":"/particulier/verzekeren/woonverzekering/bliksem","text":"More about lightning"},{"url":"/particulier/verzekeren/woonverzekering/storm","text":"More about storm damage insurance"},{"url":"/en/personal/insurances/home-insurance/water","text":"More about water damage insurance"},{"url":"/en/personal/insurances/home-insurance/burglary","text":"More about theft insurance"}]},{"componentType":"sectionTitle","title":"Home insurance with ING"},{"componentType":"paragraph","richBody":{"value":"<p>Damage in or around your home can be large or small. Through ING, Nationale-Nederlanden offers two types of insurance for in and around the home: Contents Insurance and Building Insurance. Taking out home insurance via ING is simple and quickly arranged; you’ll live more securely right away.</p><p>In addition, with the ING Legal Assistance Insurance, you can insure yourself for legal help in conflicts about your home, whether you’re a tenant or homeowner. For example, in conflicts with your landlord, contractor, or real estate agent.</p><p>For students, we offer a separate Student Insurance.</p>"},"textLinks":[{"url":"/en/personal/insurances/home-insurance","text":"All ING home insurances"},{"url":"/en/personal/insurances/home-insurance/home-contents-insurance","text":"More about home contents insurance"},{"url":"/en/personal/insurances/home-insurance/building-insurance","text":"More about building insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"More about legal assistance insurance"},{"url":"/en/personal/insurances/student-insurance","text":"More about student insurance"}]},{"componentType":"sectionTitle","title":"Your personal claims manager"},{"componentType":"paragraph","richBody":{"value":"<p>In case of damage with major emotional or financial consequences, Nationale-Nederlanden goes beyond just reimbursing the damage. If you need support, our claims manager will quickly come to your home to help you personally. We’ll get to work for you until the damage is fully resolved.</p>"}},{"componentType":"paragraph","title":"Partnership with Nationale-Nederlanden","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":[{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]},{"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":"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"}]}]}}}