De opstalverzekering dekt het huis.

Dutch nouns have grammatical gender, and that determines which definite article they take:

• de for common-gender nouns
• het for neuter nouns

So:

• de opstalverzekering = the building/home-structure insurance
• het huis = the house

Unfortunately, this is something you usually have to learn with each noun.

Opstalverzekering is a compound noun:

• opstal = building/structure on a property
• verzekering = insurance

So opstalverzekering refers to insurance for the physical building itself, not the contents inside it. In everyday English, this is often closest to building insurance or home structure insurance.

Dutch very often forms compound nouns by writing them as a single word. English often uses separate words where Dutch uses one compound.

So:

• opstal + verzekering → opstalverzekering

This is completely normal in Dutch. Long nouns can look intimidating, but they are often just smaller words joined together.

The infinitive is dekken = to cover.

In the sentence, the subject is de opstalverzekering, which is singular, so the verb is conjugated in the third-person singular:

• ik dek
• jij dekt
• hij/zij/het dekt

So:

• De opstalverzekering dekt het huis.

This is similar to English covers instead of cover.

Yes, dekken literally means to cover, but in insurance language it means to provide coverage for.

So in this sentence, dekt does not mean physically covering the house. It means the insurance policy covers the house financially.

This is a normal Dutch main clause. The basic word order is:

subject + finite verb + object

So here:

• De opstalverzekering = subject
• dekt = finite verb
• het huis = object

This is very similar to English word order in a simple statement.

Yes, that is grammatically correct. It is the passive version:

• De opstalverzekering dekt het huis. = active
• Het huis wordt gedekt door de opstalverzekering. = passive

The active sentence is simpler and more natural for most everyday learning purposes.

Sometimes learners want to say huisverzekering, but that is not the usual standard term for this kind of insurance.

More common terms are:

• opstalverzekering = insurance for the building itself
• inboedelverzekering = insurance for the contents of the home

So if you specifically mean the structure of the house, opstalverzekering is the better word.

A rough guide is:

OP-stahl-fur-ZAY-kuh-ring

A few helpful points:

• op sounds like op in stop, but shorter
• stal has an a somewhat like in British father, but shorter
• ver is usually unstressed
• ze in verzekering sounds roughly like zay
• -ring ends with the Dutch ng sound, like in English sing

The main stress is on op: OPstalverzekering.

Yes, in this case the structure matches quite well:

• the → de/het
• insurance → verzekering
• covers → dekt
• the house → het huis

But you do need the correct specific noun: opstalverzekering, not just any verzekering, if you want the same precise meaning.

Dutch can express that idea in different ways, but this sentence uses a direct verb construction:

• De opstalverzekering dekt het huis.

That literally follows the pattern X covers Y.

If you wanted a phrase more like insurance for the house, Dutch might use something like:

• verzekering voor het huis

But in this sentence, the idea is not naming the insurance; it is stating what the insurance covers. So dekt het huis is the natural structure.