It is best to have the rebuilding value of your home determined by an appraiser. This ensures a very accurate and reliable valuation. It is good to keep in mind that appraisal costs are involved with this option.
"},"textLinks":[{"text":"Read more about the value covered by buildings insurance. "}]},{"componentType":"sectionTitle","title":"Watch out for underinsurance"},{"componentType":"paragraph","richBody":{"value":"Underinsurance is common because the rebuilding value has been underestimated. However, your home may also have increased in value due to an extension or a new kitchen. It is therefore wise to have the value recalculated in such a situation. This way, you can be certain that your house is insured for the correct amount and that the rebuilding value is accurate. Suppose your house needs to be rebuilt and the insured amount is lower than the rebuilding value; it will cost you extra money to rebuild your house for its actual value.
"}},{"componentType":"sectionTitle","title":"Reconstruction value on ING Buildings Insurance"},{"componentType":"paragraph","richBody":{"value":"The ING Buildings Insurance has no maximum insured amount. Once your home is insured through ING, the rebuilding value is always reimbursed (rebuilding value is the amount required to rebuild the same house in the same location with the same purpose). The major advantage of this is that you do not have to adjust the insurance time and again as the value of your home increases, for example due to a renovation. With ING Buildings Insurance, your owner-occupied home is well insured against damage caused by fire, storm, lightning, precipitation, (sewage) water, and (attempted) burglary and theft, among other things.
"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/building-insurance","text":"Read more about the cost of buildings insurance"}]},{"componentType":"sectionTitle","title":"Home insurance via ING"},{"componentType":"paragraph","richBody":{"value":"Damage in or around your home can be major or minor. Through ING, Nationale-Nederlanden offers two types of insurance for inside and around the house: Contents Insurance and Building Insurance. Taking out home insurance through ING is simple and quick; you immediately live with much greater security.
In addition, with ING Legal Assistance Insurance, you can insure yourself for legal assistance in disputes concerning your home, whether you are a tenant or a homeowner. For example, in conflicts with your landlord, contractor, or real estate agent.
We offer a separate Student Insurance for students.
"},"textLinks":[{"url":"/en/personal/insurances/home-insurance","text":"All ING home insurance policies"},{"url":"/en/personal/insurances/student-insurance","text":"Read more about student insurance"}]},{"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"}]},{"componentType":"linkList","iconTitle":{"title":"Frequently Asked Questions"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/make-insurance-claim","text":"How do I report damage?"}]},{"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"}]}]}}}