Protecting your home is essential—whether you own a house or an apartment.In the Netherlands, homeowners insurance (called "opstalverzekering") covers damage to the structure of your home caused by fire, storm, water, or burglary. If you have a mortgage, this insurance is usually required by lenders.
To help you choose wisely, here are some of the best homeowners insurance providers in the Netherlands in 2025, based on coverage options, customer satisfaction, and reliability.
1. Centraal Beheer – Best Overall
Centraal Beheer is one of the most trusted insurance brands in the Netherlands. Their homeowners insurance offers wide coverage with competitive premiums.
Why it's great: Flexible packages, strong reputation, easy online claims
Highlights: Fire, storm, water, and vandalism coverage
Extras: Optional coverage for solar panels, glass, and outbuildings
Best for: Homeowners looking for reliable, full-service insurance from a well-known provider.
2. Interpolis – Best for Bundled Coverage
Interpolis works closely with Rabobank and offers "Alles in één Polis" (All-in-one policy), making it easy to combine home, contents, and liability insurance.
Why it's great: One policy for multiple insurances, strong customer service
Highlights: Covers damage from natural disasters, theft, and leaks
Extras: Smart Home services and prevention tips
Best for: Rabobank customers or those who want everything under one roof.
3. FBTO – Best for Customization
FBTO allows you to personalize your coverage based on your needs. You can start with basic protection and add modules like glass, legal aid, or electronics.
Why it's great: Pay only for what you need
Highlights: Transparent pricing, online management
Extras: Optional modules for extra protection
Best for: Budget-conscious homeowners who want flexibility.
4. InShared – Best for Digital-First Experience
InShared is a modern, online-only insurer that offers straightforward policies and gives back part of the profits to policyholders if claims are low.
Why it's great: Fast digital service, affordable pricing
Highlights: Clear policy terms, fast claims process
Extras: Bonus system for claim-free years
Best for: Tech-savvy homeowners who prefer managing everything online.
5. Univé – Best for Customer Support
Univé is a non-profit cooperative that offers personal service and transparent coverage. Their local offices provide face-to-face support when needed.
Why it's great: Strong customer service, fair claims handling
Highlights: Standard coverage with useful add-ons
Extras: Help with prevention and damage repair
Best for: Homeowners who value human contact and reliable help.
What Does Dutch Homeowners Insurance Cover?
A standard opstalverzekering typically includes:
- Fire and smoke damage
- Storm and lightning
- Water damage from burst pipes
- Theft and vandalism
- Broken windows (optional)
It does not cover the contents of your home—that’s a separate “inboedelverzekering” (contents insurance), often purchased together.
Final Thoughts
The best homeowners insurance in the Netherlands depends on your budget, home type, and whether you want online convenience or personal service. Compare quotes, check coverage options, and read reviews to find the best match for your needs.