AG’s All Risk Home cover

All property damage is covered, regardless of cause, except for a few exceptions

This means that damage caused by an event not mentioned in AG's Top Home fire insurance policy, or damage excluded from a particular cover of AG's Top Home fire insurance policy is still insured under the All Risk Home cover, with some expressly stated exceptions. However, if  the damage falls under any of these exceptions, it is up to AG to prove it.

Increased reimbursement limits for remediation costs. No reimbursement limits for art glass

• Soil remediation costs will be reimbursed up to €39,398.50¹. Without All Risk Home cover, compensation in the Top Home fire insurance policy is a maximum of €8,825.26¹ under the “Damage caused by heating oil” cover.
• There is no maximum reimbursement limit for broken art glass panes (handcrafted panes). Without the All Risk Home cover, the maximum reimbursement for broken art glass panes in AG's Top Home fire insurance policy is €3,545.86¹ (based on the "Breakage of Glass" cover).
• The other indemnity limits of your AG Top Home fire insurance continue to apply.

Cover away from home

Are you travelling? Your belongings, such as your luggage, are insured not only at your principal residence, as stated in the special terms and conditions of the contract, but also anywhere else in the world where you temporarily take them.

Damage by:
• frost and thaw to fences, retaining walls, a terrace, swimming pool, outdoor furniture
• other adverse weather conditions to outdoor objects not intended to remain outdoors

Broken glass,  porcelain or crystal, splinters, scorch marks, discolouration caused by you or one of your guests

Damage that occurs gradually, such as wear and tear, rust, mould, rot or moisture

The list of covered and non-covered risks listed above is not exhaustive. You can check the exact scope of the covers in the General Terms and Conditions and in the pre-contractual information. In the information document, you will find the main features of this insurance. You can obtain it free of charge at the bottom of this page, at a BNP Paribas Fortis branch or via the Easy Banking Centre on 02 433 41 30.

¹ _{Amount indexed to ABEX 1048 (01/01/2025).}