Expat insurance in the Netherlands, and when you move abroad

Why is the insured amount lower than the rebuild value of my house?

The insured amount for your house may use a different basis from what you paid or the valuation you received. NN distinguishes rebuild value from sale value. Ask which basis the sum insured uses and whether the insurer has applied its own calculation and an underinsurance guarantee.

In NN Woonverzekering UNWV-03, rebuild value means the cost of rebuilding on the same spot, for the same purpose, with the same construction type and roofing. Under NN ZekerheidsPakket clause 151, NN will not invoke underinsurance when its rebuild value indication is processed in the policy, so cover can exceed the sum insured.

Under Nh1816 Herbouwwaardemeter 2026, Nh1816 will not apply underinsurance for 5 years if its calculator set the sum when you applied or changed the insurance. Above an outcome of € 1,000,000, no automatic guarantee is given. The calculator cannot be used for very luxurious villas, country houses, canal houses or bungalows, monumental town houses, high-rise, or homes with a special, historic or listed construction. In those cases, Nh1816 advises a valuation (taxatie). For a house like that, we check with you first whether a valuation is needed. Send us your valuation and quote. We compare the figures and explain the basis in English.

Our furniture and watches are still being shipped. When should the contents insurance start?

Nh1816's contents insurance covers your household contents at the home address on the policy. A shipment still at sea is not yet at that address. Ask your removal company what its transport insurance covers. We set your Dutch contents policy's start date to when you move in.

Send us your moving arrangements so we can check the timing with you. We can start your liability cover from the day you move in.

Are my watches and jewellery insured on a normal contents policy?

Watches count as jewellery under Nh1816 Inboedel Optimaal, where the standard theft limit is € 6,000. A contents underinsurance guarantee does not necessarily remove separate limits: NN's guarantee excludes items with their own maximum amounts. Tell us the value of your watches and jewellery so we can check your policy.

Keep receipts, photos or a valuation. For a higher jewellery amount at Nh1816, ask us to check the options. For high values, see our Excellent Private package.

The house is owned by my employer. Who insures what?

If your employer owns the house you live in, the building insurance is a question for the owner: Nh1816's private home policy, for example, only covers a home you privately own and occupy. As the occupant, you can insure your own contents. We check the employer's arrangement before arranging your cover.

Nh1816 Inboedelverzekering Optimaal covers household contents at the address on the policy. The policyholder can be the owner or someone who has the home in their care, such as a tenant.

I received the policy in Dutch. What do I need to know?

Your Dutch policy and its conditions may well arrive in Dutch. Nh1816 and DAS, for example, state in their legal expenses conditions that they communicate with you in Dutch. We go through the documents and tell you in English what you need to know, in a summary you can also pass on to a head office.

Is there an English-language home contents and liability package for professionals moving to the Netherlands?

De Goudse's Expat Policy for Foreign Professionals in the Netherlands is meant for people from abroad, and their families, who come to live and work in the Netherlands for at least one year (General Terms and Conditions 992176, art. 2.1). You combine at least two of these insurances: Gouda Service Package, Continuous Travel, Household contents, Legal Assistance, Personal Accident and Personal Liability, and your policy states which ones you took (General Terms and Conditions 992176, art. 2.4, and application form 771160).

The package sits alongside your Dutch health insurance, not instead of it: De Goudse expects you to have Dutch health insurance, a Dutch bank account and registration in the BRP, the Dutch municipal personal records database (General Terms and Conditions 992176, art. 1.2). Your policy renews each year and ends on the date you stop living in the Netherlands (General Terms and Conditions 992176, art. 2.2.2 and 2.3.1).

If you become seriously ill, have a serious accident or die in the Netherlands, Gouda Service Package pays for a visit by up to two first or second-degree family members: travel up to € 5,000 for both together and accommodation up to € 150 a day for both together, for up to 15 days (3 days in the event of death). It also pays extra travel to your country of origin if a first or second-degree family member there becomes seriously ill and is in danger of dying, has an accident or dies, and transport of your body to your country of origin up to € 10,000 if you die in the Netherlands (Gouda Service Package 992169, art. 2.1.1 and 2.1.2). In the first year after the start date, it does not cover a visit or trip caused by an illness or condition that already existed at the start, whether yours or that of a family member in your country of origin (Gouda Service Package 992169, art. 2.2.1).

Continuous Travel covers trips of up to 90 consecutive days, but not trips or stays for business purposes, so for business trips, see our page on business travel insurance (Continuous Travel 992168, art. 1.5). Household contents insures personal jewellery up to € 5,000 per event (Household Contents 771134, art. 1.2). The optional jewellery and special effects cover adds € 10,000 for jewellery at your home address; outside the home it pays up to € 3,500 for jewellery and special effects. It requires that your home meets the Police Quality Mark Safe Living (Politiekeurmerk Veilig Wonen) or VRKI requirements, that jewellery is kept in a safe or a wall-tight lockable cabinet with burglary-resistant locks of at least five minutes' delay, and that you can show a valuation report or purchase receipt after a loss; for higher values, see our Excellent Private package (Household Contents 771134, art. 2.2). We help you choose the covers you need, or you can request a quote online yourself and we receive a copy.

Insurance when moving abroad from the Netherlands: what stops when you deregister?

Moving abroad can end your Dutch insurance or change what remains covered. The rules depend on the policy and insurer. NN's home and contents cover stops after 30 days, while other policies have different rules. Your health insurance position depends on your personal situation, rather than the move alone.

• Home and contents. Under NN Woonverzekering UNWV-03, cover ends after 30 days, counted from the day you no longer live in the Netherlands. NN never insures contents abroad.
• Legal expenses. Nh1816's ARAG flex8 legal expenses insurance stops automatically when the person who took it out no longer lives or stays in the Netherlands.
• Travel insurance. NN's annual travel insurance can only be taken out if you live in the Netherlands. NN ends it two months after you have settled abroad.
• Private liability. You must report a move abroad to NN. Its building owner liability cover applies to a building in the Netherlands where you or a co-insured live. If you retain ownership after leaving, NN only pays claims in the first 24 months after the last insured occupant left.
• Health insurance. Your personal situation determines whether you remain insured in the Netherlands. Sometimes you must keep Dutch health insurance. If you cannot keep it when moving abroad, you arrange insurance in your new country or international health insurance yourself.

Send us your policies. We explain in English what stops and what continues. De Goudse's checklist for departing expats also advises discussing with your adviser what you can cancel and what you need to take out.

We are keeping our house and renting it out. How do we insure it?

At NN, home and contents cover stops 30 days after you leave the Netherlands (NN Woonverzekering UNWV-03). Nh1816's private home policy is written for a house you occupy privately; damage during private letting is only insured if letting is added and stated on the policy (Nh1816 Woonhuisverzekering Optimaal 02315).

NN's private liability policy covers you as owner of a home you no longer live in only for the first 24 months after the last insured occupant left. De Goudse's Expat Package has optional extra cover for your liability as owner of a home in the Netherlands, both while let and while vacant. When let, the tenant must be registered at the address, live there alone or with a partner and/or children, on a lease of at least 6 months. There is no cover if the home is let to (seasonal) workers or students (De Goudse EIA-2601, art. 3.2.1).

We look for cover that fits a let home while you live abroad. De Goudse's departing expat checklist advises discussing the home insurance with your adviser if you let. For lender rules, see the mortgage side of letting your home.

Can I keep my life insurance and disability insurance if I move abroad?

Whether your Dutch term life insurance continues after a move abroad differs per insurer. For disability insurance, it differs per insurer and product. Tell us at the start if you expect to leave the Netherlands, so we can check your policies and explain what continues in English.

See our term life insurance page for how this differs between insurers, and our disability insurance page for the differences by insurer and product.

Sources: NN Woonverzekering UNWV-03, NN Doorlopende reisverzekering PP 4100-08, NN Aansprakelijkheid Particulieren VM 1100-05, Nh1816 Woonhuisverzekering Optimaal 02315, Nh1816 legal expenses (ARAG flex8), De Goudse Expat Pakket overview 2026, De Goudse Expat Pakket Individueel EPI-2601 and EIA-2601, De Goudse checklist for departing expats, Rijksoverheid and NederlandWereldwijd; conditions in our library, checked October 2026.

What does the expat insurance package cover?

De Goudse's Expat Package Individual combines up to nine covers for people living and working abroad for a while. You choose which covers you take. Its SOS assistance gives access to De Goudse's emergency centre 24 hours a day, seven days a week, in case of illness, accident or death.

The choices are SOS assistance, medical expenses, dental expenses, work incapacity, luggage and cancellation, legal expenses, household contents, private liability and accidents. Private liability covers liability worldwide. Optional extra cover is available for your liability as owner of a home in the Netherlands while it is let or vacant.

Which covers you need depends on where you go, how long you stay and who comes with you. Household contents matter if you ship your own furniture. Valuables such as jewellery, art and antiques are only covered under the contents cover if you add them as extra cover.

Children can be co-insured until the last day they are 21 or until they marry. Cover for an insured person ends automatically on the last day of the insurance year in which they turn 72, unless De Goudse agrees otherwise, or earlier on the day they return to the Netherlands for good (De Goudse EPI-2601, art. 2.6.4). We build the package with you, or you can calculate and apply online using the button below.