{"id":2787,"date":"2021-03-30T18:47:34","date_gmt":"2021-03-30T16:47:34","guid":{"rendered":"https:\/\/garantie.be\/home-fire-insurance-the-insured\/"},"modified":"2021-03-31T08:46:35","modified_gmt":"2021-03-31T06:46:35","slug":"home-fire-insurance-the-insured","status":"publish","type":"page","link":"https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/","title":{"rendered":"Home fire insurance: the insured"},"content":{"rendered":"\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
<\/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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Who are the people considered as insured?<\/h1>\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The following people can be considered as the insured under a fire insurance policy (home insurance):<\/p>\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

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
<\/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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The policyholder<\/h2>\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The policyholder is of course by definition an insured. There is therefore a way to extend the number of insured by designating several policyholders under the fire insurance contract;<\/p>\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

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
<\/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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

People living in his household<\/h2>\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

These are the people effectively forming a community of life with the policyholder. They must actually and usually participate in the household. To solve the problem of the possible separation of de facto cohabitants, it is recommended to designate them together as lessees;<\/p>\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

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
<\/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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Their staff in the performance of their duties<\/h2>\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

When not in office, staff members are considered third parties. The concept is broader than in the context of a Civil Liability Private Life (RC Private Life), which is limited to housekeepers and family helpers;<\/p>\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

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
<\/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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The agents or partners of the lessee in the performance of their duties<\/h2>\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The reason is simple: fire insurance can also cover businesses. The policyholder can be a legal person, so its agents and partners are therefore covered within the framework of their professional functions;<\/p>\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

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
<\/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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Any other person mentioned as insured in the insurance contract<\/h2>\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The status of insured can effectively be attributed to natural or legal persons other than those defined as \u201cinsured\u201d by the legislation. Examples of possible contractual extensions:<\/p>\n

hosts (not members of the household);
\nattendants (broader concept than staff)<\/p>\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Who are the people considered as insured? The following people can be considered as the insured under a fire insurance policy (home insurance): The policyholder The policyholder is of course by definition an insured. There is therefore a way to extend the number of insured by designating several policyholders under the fire insurance contract; People […]<\/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-2787","page","type-page","status-publish","hentry"],"yoast_head":"\nHome fire insurance: the insured<\/title>\n<meta name=\"description\" content=\"In the context of fire insurance (home insurance in Belgium) what is the quality of the insured in the contract\" \/>\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\/home-fire-insurance-the-insured\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home fire insurance: the insured\" \/>\n<meta property=\"og:description\" content=\"In the context of fire insurance (home insurance in Belgium) what is the quality of the insured in the contract\" \/>\n<meta property=\"og:url\" content=\"https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/\" \/>\n<meta property=\"og:site_name\" content=\"Guarantee\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-31T06:46:35+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/home-fire-insurance-the-insured\\\/\",\"url\":\"https:\\\/\\\/garantie.be\\\/en\\\/home-fire-insurance-the-insured\\\/\",\"name\":\"Home fire insurance: the insured\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/#website\"},\"datePublished\":\"2021-03-30T16:47:34+00:00\",\"dateModified\":\"2021-03-31T06:46:35+00:00\",\"description\":\"In the context of fire insurance (home insurance in Belgium) what is the quality of the insured in the contract\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/home-fire-insurance-the-insured\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/garantie.be\\\/en\\\/home-fire-insurance-the-insured\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/home-fire-insurance-the-insured\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/garantie.be\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home fire insurance: the insured\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/garantie.be\\\/en\\\/\",\"name\":\"Guarantee\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/garantie.be\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/#organization\",\"name\":\"Garantie.be\",\"url\":\"https:\\\/\\\/garantie.be\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"\",\"contentUrl\":\"\",\"caption\":\"Garantie.be\"},\"image\":{\"@id\":\"https:\\\/\\\/garantie.be\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Home fire insurance: the insured","description":"In the context of fire insurance (home insurance in Belgium) what is the quality of the insured in the contract","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/","og_locale":"en_US","og_type":"article","og_title":"Home fire insurance: the insured","og_description":"In the context of fire insurance (home insurance in Belgium) what is the quality of the insured in the contract","og_url":"https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/","og_site_name":"Guarantee","article_modified_time":"2021-03-31T06:46:35+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/","url":"https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/","name":"Home fire insurance: the insured","isPartOf":{"@id":"https:\/\/garantie.be\/en\/#website"},"datePublished":"2021-03-30T16:47:34+00:00","dateModified":"2021-03-31T06:46:35+00:00","description":"In the context of fire insurance (home insurance in Belgium) what is the quality of the insured in the contract","breadcrumb":{"@id":"https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/garantie.be\/en\/home-fire-insurance-the-insured\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/garantie.be\/en\/"},{"@type":"ListItem","position":2,"name":"Home fire insurance: the insured"}]},{"@type":"WebSite","@id":"https:\/\/garantie.be\/en\/#website","url":"https:\/\/garantie.be\/en\/","name":"Guarantee","description":"","publisher":{"@id":"https:\/\/garantie.be\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/garantie.be\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/garantie.be\/en\/#organization","name":"Garantie.be","url":"https:\/\/garantie.be\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/garantie.be\/en\/#\/schema\/logo\/image\/","url":"","contentUrl":"","caption":"Garantie.be"},"image":{"@id":"https:\/\/garantie.be\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/garantie.be\/en\/wp-json\/wp\/v2\/pages\/2787","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/garantie.be\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/garantie.be\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/garantie.be\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/garantie.be\/en\/wp-json\/wp\/v2\/comments?post=2787"}],"version-history":[{"count":0,"href":"https:\/\/garantie.be\/en\/wp-json\/wp\/v2\/pages\/2787\/revisions"}],"wp:attachment":[{"href":"https:\/\/garantie.be\/en\/wp-json\/wp\/v2\/media?parent=2787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}