Damage to vacation home: is it covered?
More and more Dutch people are exchanging camping for a vacation home. Of course, it can happen that you accidentally damage the house, or that a fire starts because of your actions. If you have liability insurance, you naturally assume it will cover this, but this is not always the case.
Netherlands
If the vacation home is damaged or burned down because of your actions, the owner will recover damages from you. Rented items are normally not covered by liability insurance. If you rent a vacation home or a boat in the Netherlands, and they are damaged by your actions, you are not insured for this in most cases. There are insurers that do cover this damage, or only up to an amount of, say, €75,000 euros. So you will always have to read the policy conditions of the company carefully, so that you know exactly what you are and are not insured for.
Abroad
The same conditions of liability insurance apply abroad as in the Netherlands. Nevertheless, most companies abroad do reimburse damage caused accidentally to the vacation home. Again, read the policy conditions carefully, because not all insurers cover this damage! However, you must often pay a deposit before you leave the country, so that the owner of the property is not left empty-handed when you leave for home. This amount can amount to thousands of euros. You can find out in the policy conditions whether the company also covers the deposit. After settling the claim, you can get the deposit back.
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Travel Insurance
Most travel insurance policies also provide coverage for damage to a vacation home. This can range from €100 euros to €1500 euros, to some outliers of €25000 euros. Sometimes this is included in the standard coverage and sometimes it is optional. In the policy conditions you can find if and for what amount you are insured.
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