Expats who have bought a house in the Netherlands are obliged to take out a Residential Premises Insurance (Opstalverzekering). This is a condition to get a mortgage. If you have bought an apartment, your homeowners association should provide the insurance. Otherwise, you have to arrange this insurance yourself.
The owners of furnished rented properties usually pay the Residential Premises Insurance for expats renting a house or apartment, but tenants could still need to take out Household Contents Insurance for their personal possessions (household content). Check this with the owner.

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