Three types of cover
Basic cover
Material damage to your home and contents caused by fire, water, storm, natural disasters, glass breakage and electricity.
Additional cover
Extra benefits automatically included in the policy, such as the costs of clearing up or temporary accommodation after a claim.
Optional cover
Cover you choose yourself, such as theft or legal expenses.
Your liability too
Home insurance also covers your civil liability if your building or contents cause damage to others. Think of a leak that seeps through to the flat below yours.
Read the terms
The basic cover looks similar at every insurer, but the emphasis differs. What are the excesses, the limits and the exclusions? We set them side by side for you.
A common misconception: home insurance is not just for owners. As a tenant, it is very much in your interest too.
Frequently asked questions
Is fire insurance mandatory?
For owners it is not a legal requirement, but it is indispensable and usually a condition for a mortgage. Tenants in Flanders, however, are required to insure their liability for fire and water damage.
Can I insure my commercial premises too?
Yes. For shops, hospitality businesses and offices we put together tailored fire insurance, if required with business interruption and operational liability cover.