{"id":2781,"date":"2021-03-30T15:53:59","date_gmt":"2021-03-30T13:53:59","guid":{"rendered":"https:\/\/garantie.be\/fire-insurance-home-insurance-belgium\/"},"modified":"2025-11-03T16:17:39","modified_gmt":"2025-11-03T15:17:39","slug":"fire-insurance-home-insurance-belgium","status":"publish","type":"page","link":"https:\/\/garantie.be\/en\/fire-insurance-home-insurance-belgium\/","title":{"rendered":"Home insurance in Belgium: tenants, landlords, flat-sharing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2781\" class=\"elementor elementor-2781 elementor-2175\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c521de9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c521de9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61f81e07\" data-id=\"61f81e07\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4639d7a elementor-widget elementor-widget-spacer\" data-id=\"4639d7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-595fb776 elementor-widget elementor-widget-heading\" data-id=\"595fb776\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Home<br><b>insurance<\/b><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53443263 elementor-widget elementor-widget-spacer\" data-id=\"53443263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c813249 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c813249\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e39e323\" data-id=\"1e39e323\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c1dca45 elementor-widget elementor-widget-text-editor\" data-id=\"1c1dca45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Fire insurance<\/strong>, also known as home insurance, protects your home and possessions in the event of a claim: fire, explosion, water damage, storm, theft or vandalism. Depending on the policy, it also covers the tenant&#8217;s or owner&#8217;s <strong>civil liability<\/strong> vis-\u00e0-vis the building and third parties. <\/p><p><strong>In short<\/strong>: it is used to repair or reimburse damage to your home and its contents.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c236a09 elementor-widget elementor-widget-heading\" data-id=\"6c236a09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is fire insurance compulsory in Belgium?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70e236b9 elementor-widget elementor-widget-text-editor\" data-id=\"70e236b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes, in practice <strong>it is almost compulsory<\/strong>:<\/p><ul><li>For a <strong>tenant<\/strong>, the landlord almost always requires a certificate of insurance before handing over the keys.<\/li><li>For an <strong>owner<\/strong>, it is essential to protect the value of the property and to be covered in the event of a claim.<\/li><\/ul><p> <\/p><p>In some regions, such as <strong>Wallonia and Bruxelles Capitale<\/strong>, tenants are required by law to take out insurance to cover their rental liability, i.e. any damage they may cause to the rented property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-52cf4e8c elementor-section-content-middle elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"52cf4e8c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ed00cb7\" data-id=\"3ed00cb7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a5224de elementor-widget elementor-widget-text-editor\" data-id=\"3a5224de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tClick to get your tenant insurance in just a few clicks with Belgian insurance specialist swinz.be.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37b2a650 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"37b2a650\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webapp.swinz.be\/#\/home?referral_code=Garantir\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">100% online fire insurance form<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ca5fcbe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ca5fcbe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-11573a83\" data-id=\"11573a83\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6817a5c8 elementor-widget elementor-widget-spacer\" data-id=\"6817a5c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd79b47 elementor-widget elementor-widget-heading\" data-id=\"bd79b47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does fire insurance cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2f67ea elementor-widget elementor-widget-text-editor\" data-id=\"2c2f67ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A good fire insurance policy covers much more than just fire. It protects against most damage to the dwelling and its contents: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74bc83b9 elementor-widget elementor-widget-text-editor\" data-id=\"74bc83b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table><thead><tr><th>Type of claim<\/th><th>Usual coverage<\/th><\/tr><\/thead><tbody><tr><td>\ud83d\udd25 Fire, explosion, implosion<\/td><td>\u2705 Yes<\/td><\/tr><tr><td>\ud83d\udca7 Water damage (leak, pipe, seepage)<\/td><td>\u2705 Yes<\/td><\/tr><tr><td>\ud83c\udf2a\ufe0f Storm, lightning, hail<\/td><td>\u2705 Yes<\/td><\/tr><tr><td>\ud83d\udeaa Theft, vandalism, glass breakage<\/td><td>\u2705 Yes, depending on options<\/td><\/tr><tr><td>\ud83e\uddcd Liability to neighbors or landlord<\/td><td>\u2705 Yes<\/td><\/tr><tr><td>\ud83e\ude91 Housing contents (furniture, appliances, etc.)<\/td><td>\u2705 Yes, according to formula<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-83ffcb5 elementor-section-content-middle elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"83ffcb5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac6d4ff\" data-id=\"ac6d4ff\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2432001 elementor-widget elementor-widget-text-editor\" data-id=\"2432001\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Complete our form to obtain an <a href=\"https:\/\/garantie.be\/en\/rental-guarantee-online\/\">online rental guarantee<\/a> in just a few hours. You don&#8217;t block any money, because we work like a bank guarantee<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8d632a elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d8d632a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/account.garantie.be\/en\/register\/lease\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">100% online rental guarantee form<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e447a98 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e447a98\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-febe45c\" data-id=\"febe45c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a253837 elementor-widget elementor-widget-spacer\" data-id=\"a253837\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b236534 elementor-widget elementor-widget-heading\" data-id=\"b236534\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fire insurance for tenants<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e52d627 elementor-widget elementor-widget-text-editor\" data-id=\"e52d627\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you rent a property (house, apartment or kot), <a href=\"https:\/\/garantie.be\/en\/home-fire-insurance-the-tenant\/\">tenant fire insurance<\/a> covers :<\/p><ul><li><strong>Damage you may cause<\/strong> to the property, such as fire, water damage, etc. ;<\/li><li>Your <strong>liability<\/strong> to the lessor;<\/li><li><strong>Personal belongings<\/strong>: furniture, household appliances, clothing, etc., depending on the package chosen.<\/li><\/ul><p> <\/p><p>The landlord may request a certificate of insurance before signing the lease. In the event of fire or damage, your insurer will indemnify the landlord. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c534dd2 elementor-widget elementor-widget-heading\" data-id=\"c534dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fire insurance for homeowners<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4c201 elementor-widget elementor-widget-text-editor\" data-id=\"2e4c201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you rent a property that you own, your <a href=\"https:\/\/garantie.be\/en\/hom-fire-insurance-owner\/\">homeowner&#8217;s fire insurance<\/a> covers :<\/p><ul><li><strong>Building structure<\/strong>: walls, roof, floors, etc. ;<\/li><li><strong>Fixed fittings<\/strong>: kitchen, bathroom, heating ;<\/li><li><strong>Damage caused to third parties<\/strong>: for example, a fire that spreads to a neighbor&#8217;s home.<\/li><\/ul><p> <\/p><p>Although not legally required, <strong>no bank will grant a mortgage without fire insurance<\/strong>. So it&#8217;s a practical obligation for every homeowner. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-210ca79 elementor-widget elementor-widget-heading\" data-id=\"210ca79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much does fire insurance cost in Belgium?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a02fca elementor-widget elementor-widget-text-editor\" data-id=\"5a02fca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The price depends on several criteria:<\/p><ul><li>The <strong>surface area<\/strong> and value of the property.<\/li><li>The <strong>city<\/strong>: premiums are higher in Brussels than in Li\u00e8ge.<\/li><li>Your <strong>profile<\/strong>: tenant or owner.<\/li><li><strong>Options<\/strong>: theft, glass breakage, assistance, etc.<\/li><\/ul><p> <\/p><p>Average price of fire insurance in Belgium :<\/p><ul><li>Renter: \u20ac10 to \u20ac25\/month<\/li><li>Owner-occupier: \u20ac25 to \u20ac50\/month<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dccaa4d elementor-widget elementor-widget-spacer\" data-id=\"dccaa4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d527c15 elementor-widget elementor-widget-heading\" data-id=\"d527c15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fire and roommate insurance \/ student kot<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab84d4 elementor-widget elementor-widget-text-editor\" data-id=\"2ab84d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you choose to <a href=\"https:\/\/garantie.be\/en\/tenant-guide-belgium\/student-room-flat-share\/\">live with a roommate or in a kot<\/a>, each roommate must be covered by fire insurance:<\/p><ul><li>via a <strong>joint insurance policy<\/strong> taken out by a flatmate for the entire property;<\/li><li>or <strong>individually<\/strong>, if the <a href=\"https:\/\/garantie.be\/en\/letters-template-for-lease-management\/free-student-lease-belgium\/\">tenancy agreement<\/a> is separate for each room.<\/li><\/ul><p> <\/p><p>If there are several of you on the same lease, a single certificate in the name of all tenants is all that&#8217;s needed. Belgian insurers often offer reduced-price youth and student formulas, suitable for kots and flat-shares. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfda2d7 elementor-widget elementor-widget-heading\" data-id=\"cfda2d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A few tips before you subscribe<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c15330 elementor-widget elementor-widget-text-editor\" data-id=\"5c15330\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Compare offers<\/strong>: prices and coverage vary from company to company.<\/li><li><strong>Read the exclusions<\/strong>: some policies do not cover damage due to negligence.<\/li><li><strong>Keep your proof of purchase<\/strong> to facilitate rapid compensation.<\/li><li><strong>Report any claims promptly<\/strong>: usually within 8 days.<\/li><li>If you move house, <strong>remember to transfer your insurance<\/strong>.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-658003ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"658003ff\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2bcdd544\" data-id=\"2bcdd544\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3367ce6c elementor-widget elementor-widget-spacer\" data-id=\"3367ce6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Homeinsurance Fire insurance, also known as home insurance, protects your home and possessions in the event of a claim: fire, explosion, water damage, storm, theft or vandalism. Depending on the policy, it also covers the tenant&#8217;s or owner&#8217;s civil liability vis-\u00e0-vis the building and third parties. In short: it is used to repair or reimburse [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2781","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home insurance in Belgium: tenants, landlords, flat-sharing<\/title>\n<meta name=\"description\" content=\"All you need to know about fire insurance in Belgium: What does it cover and how much does it cost for tenants, homeowners or students?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/garantie.be\/en\/fire-insurance-home-insurance-belgium\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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