Get a full overview on what is and isn't covered by viewing the policy conditions terms and conditions and information documents.
"},"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/inboedelverzekering","text":"Home contents insurance card"}]}]},{"componentType":"cta","textLink":{"url":"/en/personal/insurances/home-insurance/apply-for-home-insurance","text":"Calculate your premium"}},{"componentType":"sectionTitle","title":"What's the difference between basic home contents insurance (Basis) and comprehensive (Allrisk)?"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Basic coverage","subtitle":"Damage caused by fire, storms, lightning, precipitation, flooding, leakage, (sewage) water, (attempted) theft and vandalism is covered up to €150,000. A few examples:","usps":[{"body":"Someone breaks in and steals your laptop","iconType":"check-mark"},{"body":"Your television breaks due to a lightning strike","iconType":"check-mark"},{"body":"Your clothing is damaged due to smoke","iconType":"check-mark"},{"body":"Your outdoor furniture is stolen","iconType":"check-mark"},{"body":"Valuables are covered up to €5,000, €15,000 or €30,000 – you choose the amount","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"/en/personal/insurances/home-insurance/apply-for-home-insurance","text":"Calculate your premium"}}},{"title":"Allrisk coverage","subtitle":"In addition to the basic coverage, you are also insured for other unexpected damage, for example:","usps":[{"body":"You accidentally drop a can of paint on your couch","iconType":"check-mark"},{"body":"You stumble and drop something heavy on your glass table, damaging it","iconType":"check-mark"},{"body":"Note: damage to mobile electronics caused by falls or something getting knocked over isn't covered by all-risk home contents insurance. Please consider upgrading with the additional coverage Mobile Electronics.","iconType":"cross"}],"cta":{"componentType":"cta","textLink":{"url":"/en/personal/insurances/home-insurance/apply-for-home-insurance","text":"Calculate your premium"}}}],"title":"Basic coverage,Allrisk coverage"},{"componentType":"sectionTitle","title":"Expand your home contents insurance with these additional modules"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Out-of-home module","intro":"With this module, your personal belongings and those of other family members are insured outside the home anywhere in the Netherlands.","image":{"transformBaseUrl":"https://assets.ing.com/transform/084d1446-655b-4620-80b6-b535efb565a9/Loans_goals-Garden_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/5ff1f9245a34e532/original/Loans_goals-Garden_Outline.svg","extension":"svg"},"link":{"url":"/en/personal/insurances/home-insurance/outside-the-home-coverage"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Mobile Electronics Module","intro":"With this module, you can insure damage to your mobile electronics anywhere in the Netherlands up to €7,500. Damage caused by drops and impacts is also covered.","image":{"transformBaseUrl":"https://assets.ing.com/transform/0b8569d9-0f4e-4c61-a84f-747c63743dcb/Mobile-phone-Icon","type":"image","width":200,"original":"https://assets.ing.com/m/339821fea45a86ed/original/Mobile-phone-Icon.png","extension":"png"},"link":{"url":"/en/personal/insurances/home-insurance/mobile-electronics"}}]},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"When should you choose Home Contents Insurance?","richBody":{"value":"You choose ING Home Contents Insurance when you want your valuable belongings to be well protected. Costs for any emergency measures and cleanup after damage are also covered, as well as expenses to prevent or limit further damage.
What is covered:
Check all maximum reimbursements in the Home Insurance policy terms.
"}},{"title":"Switch to ING insurance?","richBody":{"value":"Taking out a new insurance policy and canceling your old one is arranged in 3 steps:
Children staying at home longer or parents moving in – so-called “multi-generational homes” are becoming more common. Often, you need to adapt your garage or shed for this. These modified living spaces, including the belongings inside, are automatically covered. And if you place a care unit on your own property, for example to provide family care, this unit is insured up to €100,000. The belongings inside (including any medical equipment) are covered up to €25,000.
"}},{"title":"Are damages repaired sustainably?","richBody":{"value":"In case of damage, the professional repairers of Nationale-Nederlanden are happy to help. They specialize in repairing only the damage instead of replacing everything. This not only saves you a lot of hassle but also reduces the use of raw materials. Handy yourself? Then you can choose to repair the damage yourself. You’ll receive reimbursement for material costs plus compensation for the time spent on repairs.
If you choose repair via the professional repair network of Nationale-Nederlanden, they will immediately 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 Nationale-Nederlanden repair network carry the GroenGedaan! quality mark. This means they work in an environmentally friendly way when repairing items – from walls to furniture. To earn this quality mark, companies must meet various requirements.
Read more about the GroenGedaan! quality mark
"}},{"title":"What if there is water or fire damage?","richBody":{"value":"Damage caused by water or fire and smoke often has a huge impact. For these two specific types of damage, we have compiled extra information. Read more about water damage or fire damage – we’re here for you if you have questions.
"}},{"title":"Burglary in your home?","richBody":{"value":"You come home from work or a week’s vacation. Your house has been ransacked and items are missing. For many people, this is an emotional blow. You’ll want theft of your belongings and burglary damage to be covered. Items in your home are covered up to €150,000. Valuable items are insured against theft up to €5,000 as standard. You can increase this coverage to €15,000 or €30,000 for a higher premium. Jewelry is always insured up to a maximum of €5,000.
"}},{"title":"Additional help for major damages","richBody":{"value":"For major damages, such as from fire or burglary, assistance from the Home Damage Manager is included. This person takes care of all the arrangements for you. If you need help coping with the damage and your doctor refers you to a psychologist or psychiatrist, and these costs are not covered by your health insurance, Nationale-Nederlanden reimburses these costs up to €1,000. This also applies to your health insurance deductible.
"}},{"title":"Lightning strike nearby and damage at home?","richBody":{"value":"A lightning strike can cause permanent damage to your TV, computer(s), and/or audio equipment. Lightning can strike nearby, causing a power surge. Voltage enters your home through underground cables. Any damage to your belongings caused by lightning is covered. You can prevent this by purchasing surge protectors for plugs and cables.
"}},{"title":"How to calculate your Home Contents Insurance premium?","richBody":{"value":"Premiums vary for everyone. The amount depends on your personal situation. Choose to calculate your Home Contents Insurance premium directly. We’ll ask you about:
Read more about the cost of home contents insurance
"}}]},{"componentType":"sectionTitle","title":"Other relevant insurances"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Building Insurance","intro":"With underinsurance guarantee. Your solar panels, garage, and garden shed are also covered.","image":{"transformBaseUrl":"https://assets.ing.com/transform/72ff574b-12ff-4887-b93e-dee174fed099/Insurance-House_On_Fire_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/23e7ef7453960762/original/Insurance-House_On_Fire_Outline.svg","extension":"svg"},"link":{"url":"/en/personal/insurances/home-insurance/building-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Legal Expenses Insurance","intro":"Legal help and advice to avoid high costs in disputes, e.g., with 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":"Coverage for damage you, a family member, or your pet accidentally cause to others or their belongings.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7859d523-ed00-4ee1-b754-5228f535a396/Insurance-Security_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1cc5cbc90a9f344f/original/Insurance-Security_Outline.svg","extension":"svg"},"link":{"url":"/en/personal/insurances/liability-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Student Home Contents 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":"Do you 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 protected. Sometimes, you need to adjust your home insurance.Read more about adjusting your ING Home Insurance
"}},{"title":"I want to report a Claim","richBody":{"value":"You can customize your ING Home Insurance completely. Whether your damage is covered depends on the modules you’ve chosen. You can find your coverage and selected modules on your policy document, in Mijn ING, or in the ING App. Read more about reporting a claim
"}},{"title":"I’m moving","richBody":{"value":"Are you moving soon? Don’t forget to update your existing insurance. Fortunately, this is quickly arranged via ING, both through Mijn ING and the app. Read more about adjusting your ING Home Insurance
"}}]},{"componentType":"sectionTitle","title":"Blogs"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Housing news and blogs (in Dutch)","intro":"In our housing blogs, you’ll 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/d4ab1a05-3b66-4650-89ed-7a79f14b8647/LinkedIn-image-Young-woman-using-mobile-phone-and-laptop-while-sitting-at-home","type":"image","width":1200,"original":"https://assets.ing.com/m/d8a6587bba603766/original/LinkedIn-image-Young-woman-using-mobile-phone-and-laptop-while-sitting-at-home.jpg","extension":"jpg"},"link":{"url":"/particulier/verzekeren/woonverzekering/woonblogs"}}]},{"componentType":"cta","textLink":{"url":"/en/personal/insurances/home-insurance/apply-for-home-insurance","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"}]}]}}}