The best home contents insurance

 There are major differences between home insurance policies. We compare the coverage, conditions and prices of more than 60 home contents policies from a total of about 30 providers. There are many things to keep in mind when testing home contents insurance. What is the best home contents insurance and why?

In the autumn of 2022, we examined the policy conditions of home contents insurance policies. These insurance policies are available in all - risk and extra comprehensive variants . The latter is usually cheaper, but less spacious. But the main causes of damage, such as fire, storm and burglary, are always covered.

Best in Test

Centraal Beheer, FBTO and ING (AR)

With a Test rating of 8.2, the all-risk policies of Centraal Beheer, FBTO and ING came out Best in the Test. These contents insurance policies offer ample and good coverage for your belongings, including (mobile) electronics or valuables. 

ING also has the advantage that in the event of covered damage, you will in most cases be reimbursed for the replacement value of your items for 10 years. With most other home contents policies (including those of Centraal Beheer and FBTO) you will receive the - lower - current value much faster.

On the other hand, ING's home insurance policies have a standard deductible of €100. At Centraal Beheer and FBTO you can choose between €0, €100 or €200. You must also have an ING current account to be able to take out (home contents) insurance there.

Best in Test: what does that mean?

Other good insurance

Other home contents insurance policies with a high Test rating in our latest test are the all- risk policies of:

• Interpolis and Rhion (unlimited replacement value ): 8.1
• Noorderlinge Insurers and Lemonade (last year's Best in the Test): 8.0

Affordable home insurance

The premium of a home insurance policy depends on many factors. We have therefore not currently issued a Best Buy designation for the policy with the best price-quality ratio. At the end of each year, however, the Geldgids makes a selection of contents insurance policies that are on average among the cheapest. Based on almost 24,000 profiles, this Geldgids selection will look like this at the end of 2022:

Geldgids selection home contents insurance

Extra extended coverage	Test verdict  October 2022	Average annual premium (all-in) based on the lowest possible deductible
asr	7.3	€59
Alliance Direct	6.5	€93
Central management	7.7	€97
Inshared	7.2	€105
ABN Amro	7.1	€107 (incl. 25% first year discount)
All risk cover
ZLM	7.0	€112
ASN Bank	7.6	€128
asr	7.8	€128

For the complete Geldgids selection for 2022, see the December issue of the Geldgids, which will appear on Thursday 1 December.