Home Contents and Liability Insurance Requirement
As a tenant, you may be required to hold either or both a home contents insurance and a liability insurance during your tenancy. This is often arranged by the landlord, and can be found in the General Terms and Conditions applicable to your tenancy, or in your tenancy agreement itself. If you would like assistance arranging these insurances, you can request our support here.
We recommend reading the full article to understand the purpose of each insurance and to decide which insurance company's you'd like to register with.
Important Notice – No Advisory Role
Please note that under Dutch financial regulations and the supervision of the AFM (Authority for the Financial Markets), we are not permitted to provide financial advice. We may only inform you of the requirement and outline available options.
You are fully responsible for reviewing all policy terms and pricing before making a decision.
Your Options
You are free to choose any Dutch insurance provider, as long as the insurance:
Is issued by a registered Dutch insurer
Includes both home contents and liability coverage
Covers your damages during your tenancy period with us
Remains valid throughout your stay
How We Can Help
To simplify the process, we offer to arrange a Dutch home contents and liability insurance on your behalf. We do this exclusively with the following providers, as we have a streamlined process (work-around) in place with them:
If you wish for us to arrange it, simply let us know which insurer you prefer.
A €50 service fee (excluding 21% VAT) applies, and the full insurance cost (typically between €150–€200 incl. VAT when renting a room) will be added to your upcoming rent invoice.
You can request our support here.
We will apply for a 12-month policy on your behalf that includes:
Liability insurance, and
Home contents insurance with all-risk coverage
(We always choose the lowest possible deductible (eigen risico) by default.)
If you would like a different coverage type or deductible, please explicitly mention this in your request.
Please note: we offer this service purely as a convenience for tenants who prefer not to arrange the insurance themselves. We are not responsible for submitting or handling claims, nor for the policy terms, coverage details, or whether the policy is suitable for your personal situation. You remain the policyholder and are solely responsible for any obligations or issues related to the insurance.
⚠️ Please note:
No refunds or partial reimbursements will be made if your stay ends earlier than 12 months.
We will cancel the insurance on your behalf after your check-out.
Once check-out has taken place, we can no longer assist you with any insurance matters, except where the matter directly relates to the tenancy agreement (e.g., final inspection or deposit settlement).
If you wish to file a claim yourself during your tenancy, this is of course possible — but you must contact the insurer directly. We can only provide limited support where the claim involves issues directly covered by the tenancy agreement.
Why It’s Required
Home contents and liability insurance protects you in case of accidental damage to the rental property or to someone else’s belongings. Common examples include:
Spilling wine on the sofa
Breaking a mirror or lamp
Causing burn marks on a surface
Knocking over a television
Dropping someone else’s phone
Such unintentional incidents are generally covered.
Please note: damage resulting from negligence, reckless behaviour, or structural issues is typically not covered.
Why a Dutch Policy Is Mandatory
The insurance must be issued by a Dutch provider to ensure:
Efficient and local claims processing
Coverage tailored to Dutch tenancy and liability laws
Easier resolution of disputes or legal claims
Next Step
Please review your options and let us know if you’d like us to arrange the insurance, including your preferred provider. Otherwise, you are free to arrange the insurance yourself, provided that it meets the requirements outlined above. You can request our support here.
Non-Refundable Policy
All service requests are non-refundable.
This is due to the administrative efforts, processing time, and transaction fees involved. Once a request is submitted and payment is received, we begin processing it — making reversal impractical. We therefore strongly encourage tenants to carefully review their needs before making a payment.
Disclaimer:
Please note that Beter Beheer B.V. is not licensed to provide financial advice. Our role is strictly limited to assisting with the administrative application of insurance policies upon your explicit request. We do not assess or compare policies or providers, and we cannot determine what insurance product is most suitable for your individual situation. You remain fully responsible for your choice of insurer, the coverage selected, and any claims or obligations that may arise under the insurance policy.
