Independent insurance advice for expats in the Netherlands

Secure your home and family with transparent, commission-free advice. We compare the whole market to save you up to 40% on premiums while navigating complex Dutch regulations for you.

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1000+

Satisfied clients

5/5

★★★★★

Based on 102+ Google Reviews

Maximum benefit

Comprehensive protection for your international life

In the complex Dutch market, insurance is the essential protective layer around your biggest investment: your home. As a core part of the Personce package, we don’t just secure your policy; we integrate it into your entire financial journey. From residential premises to liability, we coordinate all your coverage under one roof so you can focus on your career at companies like ASML or Philips without the stress of fragmented services.

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Specialized insurance for your scenario

The insurance needs of high-tech professionals are unique. Whether you are relocating to Eindhoven, installing solar panels, or navigating Dutch liability laws while cycling, we engineer custom insurance strategies that match your international lifestyle. These examples represent our most frequent requests, but we provide a comprehensive range of insurance solutions for every aspect of your personal and professional life.

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1000+ happy customers in the Brainport region

Healthcare before your BSN

For new arrivals, we can arrange temporary health insurance even before you have your social security number (BSN), ensuring you are covered from day one .

Coverage for modern homes

Our home insurance solutions specifically include coverage for sheds, garages, and modern energy upgrades like solar panels, which are mandatory for most mortgages.

Liability and cycling protection

We offer liability insurance (WA) that protects your entire family against accidental damage to others — a critical safeguard for everyone navigating the busy Dutch streets.

Family and income security

We secure your family’s future by covering risks like disability or passing away, ensuring your mortgage and lifestyle remain protected no matter what happens.

Demystifying Dutch insurances

Navigating the Dutch insurance system means understanding the difference between mandatory requirements and recommended protection. We act as a filter to eliminate the noise, providing a factual breakdown of how to safeguard your assets without paying for unnecessary coverage.

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Mandatory coverage

In the Netherlands, health insurance and residential premises insurance (opstal) are required by law or your mortgage provider.

Highly recommended protection.

Liability (WA) and home contents insurance are not mandatory but are essential to protect your belongings and legal responsibility.

Personal comfort policies

Legal aid and travel insurance provide extra security in case of disputes with landlords or contractors, ensuring peace of mind during your stay.

The insurance roadmap: engineered for peace of mind

Risk assessment

We analyze your personal situation and mortgage requirements to define exactly which risks need covering.

Independent comparison

We compare the whole market to find the best policy for your specific scenario, focusing on quality and price.

Immediate implementation

We handle the application process, ensuring your coverage is active the moment you receive the keys to your new home.

Lifetime management

As your life evolves, we proactively adjust your policies to match your changing financial needs.

Why we do it

The Brainport region competitive edge

In a fast-moving market like Eindhoven, your insurance must be as agile as your career. Because homes sell in an average of 32 days, we work with specialized expat-desks to ensure your mandatory insurances are processed at high-tech speed. Our deep understanding of the local market ensures you never miss a deadline during your home purchase.

50+

Years of experience

Navigate the market with ease

Why insurance is only one step, we look at the whole picture

Securing a mortgage is a milestone, but protecting that investment is what creates long-term wealth. Discover how the Personce package combines independent mortgage advice with comprehensive insurance and aankoopmakelaar support, giving you a total solution with fixed fees and no hidden commissions.

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Testimonials

Trusted by 1000+ international professionals in the Brainport region and the rest of the Netherlands

“Honestly, I couldn't be happier with the help I got from Joost and the team. Housing stuff can be pretty stressful, but they made the whole process super smooth from start to finish. Everything was streamlined and easy to follow. Highly recommend if you want to get things done without the headache!”

Vigneshwar

“As an expat, I had a very positive experience with the Personce team. They supported me throughout the mortgage process and the transfer of my house with clear explanations and regular updates, which made things smooth and stress-free. In my case, the time available was quite short, but they still managed to pull everything together on time. I really appreciated their effort and support, Highly Recommended!”

Dareer

“Highly recommend Personce for any financial advising. The staff is super nice and available for any questions or doubts (you need someone to hold your hand when making big decisions🥹). Working with them made everything go smoothly and MUCH faster than I expected. I was surprised how accurate their predictions were and how it materialised in a matter of 1 week.⭐️ ⭐️ ⭐️⭐️ ⭐️”

Sara

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Why Personce?

Independent expertise tailored for expats

Why Personce?

Independent advice: We compare 40+ insurers without commission, yielding premium benefits up to 40%.
Expat-first support: Proactive guidance designed to eliminate the stress of moving and living abroad.
Human approach: Expert advice from Lisa, who specializes in translating complex Dutch policies into clear English.

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Ready to protect your international life in the Brainport region?

Get 100% independent advice on your protection and save up to 40% on your premiums today.

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