{"type":"document","data":{"id":"3720dced-46e0-46da-8749-64360ac22112","localeString":"en-GB","publishDate":"2026-03-13T17:52:33.625+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Your home and contents are well-insured against lightning and thunderstorm damage with ING's Home Contents and Buildings Insurance. Learn more here."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/home?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium "}},"secondaryCta":{"textLink":{"url":"/en/personal/insurances/home-insurance/apply-for-home-insurance","text":"Not an ING customer? Calculate here"}},"coreHeader":{"body":"Lightning can cause serious damage to your home, shed, electrical equipment or garden furniture. ING Home and Contents Insurance cover lightning damage.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/85da6b9d-e131-4ab6-b61d-ae2ffef5e294/Close-up-of-damaged-leaf-in-water","type":"image","width":4032,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/5018a171a5946e30/original/Close-up-of-damaged-leaf-in-water.jpg","extension":"jpg"},"title":"Are you insured in the event of a lightning strike?"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Damage to your belongings due to lightning"},{"componentType":"paragraph","richBody":{"value":"<p>Your television, computer and audio equipment can be damaged by lightning. But your garden set can also be severely damaged during a thunderstorm. The ING Home Contents Insurance offers good coverage. </p><ul><li>Insured at new value for 10 years </li><li>In the event of damage, coverage up to €150,000 </li><li>Garden furniture and sun protection also insured </li></ul><p>ING Home Contents Insurance also provides cover for damage caused by: lightning, storm, precipitation, flooding, (sewage) water and (attempted) burglary and theft.</p>"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/home-contents-insurance","text":"More about ING Home Contents Insurance"},{"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/flood","text":"More about flooding"},{"url":"/en/personal/insurances/home-insurance/burglary","text":"More about burglary and theft insurance"}]},{"componentType":"sectionTitle","title":"What is not insured?"},{"componentType":"paragraph","richBody":{"value":"<p>Damage to personal belongings resulting from falls and impacts is not covered under the basic policy. However, selecting the all-risk coverage extends protection to include damage from falls and impacts, except for laptops, tablets, and smartphones.</p><p>Exclusions apply to damage arising from earthquakes, flooding, construction defects, insufficient maintenance, or gradual deterioration. In cases of intentional acts or omissions, or damages related to unlawful activities, compensation will not be provided. </p>"}},{"componentType":"sectionTitle","title":"Lightning Damage Protection"},{"componentType":"paragraph","richBody":{"value":"<p>The Netherlands experiences thunderstorms approximately 25 days each year, presenting a tangible risk of lightning-related property damage. Such incidents may range from minor to substantial fires, and smoke produced during these events can also cause significant harm. Homeowners seeking to insure their residence, sheds, and fences against lightning damage can benefit from ING Home Insurance, which offers comprehensive protection in this regard. </p><p>Additional Benefits:</p><ul><li><p>No maximum insured amount applies (guarantee against underinsurance). </p></li></ul><ul><li><p>Coverage includes solar panels, garages, and garden houses.</p></li></ul><p>ING Home Insurance provides further coverage for damages caused by lightning, storms, precipitation, (sewage) water, as well as (attempted) burglary and theft. </p>"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/building-insurance","text":"All about ING Home Insurance and costs"},{"url":"/particulier/verzekeren/woonverzekering/storm","text":"More about storm damage insurance"},{"url":"/en/personal/insurances/home-insurance/water","text":"More about insuring in the event of water damage"},{"url":"/en/personal/insurances/home-insurance/burglary","text":"More about theft insurance"}]},{"componentType":"sectionTitle","title":"Home insurance at ING"},{"componentType":"paragraph","richBody":{"value":"<p>Damage to your home can be minor or major. ING, together with Nationale-Nederlanden, offers two types of household insurance: Home Contents Insurance and Home Insurance. Additionally, ING Legal Expenses Insurance provides coverage if you need legal help due to disputes involving your home - whether you’re renting or own the property. This includes issues with your landlord, contractor, estate agent, bank, or neighbors, and other legal aid modules are available under the policy.</p><p>We also provide separate Student Insurance designed specifically for students. Getting home insurance through ING is quick and easy, so you’ll feel more secure right away. </p>"},"textLinks":[{"url":"/en/personal/insurances/home-insurance","text":"More about home insurance"},{"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 home insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"More about legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"More about student insurance"}]},{"componentType":"sectionTitle","title":"Your own claims manager"},{"componentType":"paragraph","richBody":{"value":"<p>If you experience significant emotional or financial damage, Nationale-Nederlanden provides support beyond compensation. A claims manager can assist you personally at home and manage your claim until it&apos;s 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"}]},{"componentType":"linkList","iconTitle":{"title":"Veelgestelde vragen"},"textLinks":[{"url":"/particulier/verzekeren/verzekertips","text":"Hoe kan ik schade voorkomen of beperken?"},{"url":"/particulier/verzekeren/woonverzekering/woontips","text":"Slimme tips voor je woonverzekeringen"},{"url":"/particulier/verzekeren/woonverzekering/herbouwwaarde","text":"Opstal: welke waarde wordt vergoed?"}]}]}}}