Accidents happen when you least expect them. Your child accidentally breaks the neighbor’s window, your dog tears someone’s jacket, or you spill coffee on a friend’s laptop. These situations can lead to expensive damage claims. A personal liability insurance helps cover these costs – and protects your financial peace of mind.
While liability insurance isn’t mandatory in the Netherlands, it is highly recommended for every household. Not only because damages can add up quickly, but also because it gives you peace of mind knowing you’re covered.
What does it cover?
Liability insurance covers accidental damage you (or a family member, pet, or even a guest) cause to others or their belongings. This includes property damage and personal injury – the latter can be especially costly.
Why is it important?
Without insurance, you’ll have to pay for everything yourself. In some cases, that could mean thousands or even tens of thousands of euros. A small monthly premium (often just a few euros) can prevent major financial stress.
In short: liability insurance may not be required by law, but it’s absolutely essential. A small step that makes a big difference.
