Fire & home insurance
Your property protected, as your loan requires.
Fire (home) insurance covers your home against fire, water damage, storms and many other losses. The lender requires it almost systematically.
Despite its name, "fire" insurance covers much more than fire: it protects your home against water damage, storms and hail, glass breakage, natural disasters, etc. In Belgium, it is not imposed by law in a general way, but every mortgage lender requires it to protect the property that serves as security for the credit; owners and tenants also have every interest in it.
Contracts vary greatly according to the guarantees, the deductibles and the ceilings. We compare the formulas for you (building only or building + contents, occupier or landlord, theft/assistance options) in order to obtain protection genuinely suited to your property, at the best guarantees/price ratio.
Your questions, our answers
Is fire insurance mandatory in Belgium?
It is not imposed by law for an owner-occupier, but your bank systematically requires it as soon as there is a mortgage, and leases make it mandatory for tenants in Wallonia and Flanders. In practice, no financed property goes without fire insurance.
What does home fire insurance really cover?
Much more than fire: water damage, storm and hail, natural disasters, glass breakage, liability towards neighbours (third-party recourse), and optionally theft and contents. The key is the correct valuation of the property — under-insured, you are only partially compensated (proportionality rule).
How do I avoid under-insuring my home?
Use the insurer’s official valuation grid (number of rooms) or an expert appraisal: if you follow it correctly, the insurer waives the proportionality rule and you are covered at 100%. Re-evaluate after major works — an extension or heavy renovation changes the rebuild value.
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