Home Contents Insurance Costs
The amount you pay for your home contents insurance varies by insurer. The amount of your premium depends on your household belongings, the coverage you choose, and your risk profile. Expect to pay between 10 and 30 euros per month.
Calculate Your PremiumAverage Cost of Home Contents Insurance
The average cost of your home contents insurance depends, among other things, on the size of your home and the region where it’s located. A large owner-occupied home is likely to contain more belongings than a smaller rental apartment. On average, in less expensive regions, you’ll pay:
- for an average home, between €10 and €19 per month.
- for a single-family home, between €13 and €30 per month.
These amounts are estimates. Use the comparison tool to calculate the costs right away.
Top 5 Most Affordable Home Contents Insurance Policies in 2026
| Insurance Company | Price per month | Own risk | Own risk storm |
|---|---|---|---|
| Unigarant | €11,61 | €100 | €350 |
| Nationale-Nederlanden | €12,89 | €150 | €150 |
| Avéro Achmea | €13,44 | €150 | €250 |
| a.s.r. | €14,04 | €100 | €0 |
| Allianz | €14,78 | €100 | €100 |
Breakdown of Home Contents Insurance Costs
The cost of home contents insurance depends on the following factors:
Value of Your Household Goods
What is the value of your household contents, and what amount should you insure? Use the household contents value calculator to determine the insured value.
The Selected Coverage
How comprehensive should this coverage be? For example, do you also want coverage outside your home?
The deductible
The higher the deductible you choose, the greater the discount on your premium.
Number of family members
What is your household composition? A family usually has more belongings than a single person.
Residence
Statistically speaking, the likelihood of damage is greater in Amsterdam than in rural Groningen. The higher the risk of burglary, the higher the premium.
Nature of the Construction
The materials used in the home and the roof affect the premium. A wooden home is at greater risk of fire damage than a stone home.
BORG Certificate
If your home is well-secured against burglary, you’ll often receive a discount on your premium. To qualify, you must submit a valid BORG certificate or the “Safe Living” police seal of approval.
Costs of supplemental coverage
The cost of additional coverage under a household contents insurance policy varies depending on the type of coverage and the insurer. If you combine multiple types of coverage, the premium will increase. Sometimes you can also take advantage of a package discount, for example, with a home insurance policy.
- Glass breakage coverage often costs an additional €2 to €5 per month.
- Out-of-home coverage for items such as your smartphone and jewelry outside your home usually costs €5 to €10 per month.
- Valuables insurance for expensive items such as art or high-end devices like a laptop costs between €10 and €20 per month, depending on the value you're insuring.
Why Get Home Contents Insurance?
You take out home contents insurance to properly insure your valuable belongings. That way, in the event of a fire or theft, you’re covered for the resulting costs. The monthly cost of home contents insurance varies by insurer.
Pay the premium monthly or every six months
You usually pay the premium for home contents insurance monthly via direct debit. With most insurers, you can also choose to pay the premium quarterly, semi-annually, or annually. To do so, contact your insurer.
Compare Home Contents Insurance Costs
There are significant differences between insurers. So be sure to compare different home contents insurance policies using the comparison tool. Don’t just look at the monthly cost—also consider the deductible and the type of coverage. A low premium doesn’t necessarily mean poor coverage.
And high coverage isn't automatically the best choice. Be sure to carefully review the policy terms to see in which situations you're covered.
Frequently Asked Questions About Home Contents Insurance Costs
Why does the premium vary by region?
The premium for home contents insurance is partly based on the risk of damage or burglary in your area. In urban areas such as Amsterdam, the likelihood of theft is statistically higher than in rural areas, which is why the premium is often higher there. Insurers use claims data and risk assessments by ZIP code area to determine the premium.
Is it cheaper to pay for my home contents insurance annually?
Many insurers allow you to choose whether to pay your premium monthly, quarterly, semi-annually, or annually. Although the monthly premium usually remains the same, paying annually can sometimes result in a small discount or save you administrative fees. Be sure to check the terms and conditions with your insurer.
How does a combined policy, such as home insurance, work?
Home insurance is a combination of contents insurance and building insurance. By purchasing both policies together from a single insurer, you can often take advantage of a package discount. This makes the total premium more affordable than if you purchased both policies separately. Plus, in the event of a claim, you’ll have a single point of contact.
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