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INSURANCE

Fire insurance for tenants

IN PRACTICE

Insure your responsibility as a tenant and your furniture

Cover your liability as a tenant and your belongings
Top Habitation fire insurance from AG protects your rented home and its contents.

YOUR BENEFITS

Customise your policy

To meet your specific needs, you can supplement your fire insurance with various packs and options.

MORE INFORMATION

Use the simulator and apply for your fire insurance policy

After logging in, you can carry out a personalised simulation and finalise your policy, either with the help of one of our experts or directly online.

* Top Habitation Fire Insurance is a Belgian-law fire insurance policy for buildings and contents distributed by BNP Paribas Fortis. The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date. 

For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it. In addition, from the second year onwards, you can cancel the policy at any time. Cancellation will take effect at the end of a 2-month period starting the day after notice is given by registered mail or served upon us, or the day after we provide an acknowledgement of receipt.


Why take out Top Habitation fire insurance?

Are you a tenant of an apartment or house*?
With Top Habitation fire insurance, you benefit from:

  • customised cover for your liability as a tenant towards your landlord and other third parties
  • protection for your personal belongings in the event of fire, damage caused by electricity, storms, water damage, natural disasters etc.
  • 24/7 assistance

* If you rent a home in Flanders or Wallonia, you are legally required to take out fire insurance and provide proof to your landlord. The Brussels-Capital Region does not yet have this requirement, but it's best to be prepared and consider protecting yourself.

GET DISCOUNTS ON YOUR TOP HABITATION INSURANCE

If you take out a new Top Habitation policy on or before 30 June 2025, you may qualify for several discounts that can be combined, with the exception of the “Loyalty” and “Welcome gift” discounts, which cannot be combined".

Loyalty discount – 10%

Get a 10% discount for the full duration of your new policy ¹, if you, your spouse or cohabiting partner has at least one of the following AG insurance policies active with BNP Paribas Fortis:

Welcome gift – 10%

Benefit from a 10% discount during the first year of your policy if you don’t meet the criteria for the loyalty discount¹.

EcoBonus – 10%

To encourage you to improve your home’s energy performance, you can get a 10% discount for the entire duration of your new policy if the insured property is equipped with:

  • solar panels,
  • a heat pump,
  • a domestic wind turbine

or if it has a green energy certificate (PEB, EPC, EPB: A+, A, or B in Wallonia and Flanders, and A, B, or C in Brussels)¹.

¹ This discount is valid for new policies and changes to existing policies following a change of risk (risk situation, tenant status, building type etc.). These policies must concern a single-family home, a furnished apartment or an apartment building.
The discount applies to all types of cover except for that relating to natural disasters for homes in high flood-risk areas (Belgian Natural Disaster Pricing Office tariff).

YOUR FIRE INSURANCE

Customised protection guaranteed

A transparent policy

When you take out Top Habitation fire insurance, AG applies the principle that everything is covered unless specifically excluded.

The scope of your cover as a tenant

Main risks covered

Damage to your home and contents

  • fire, explosion and implosion, lightning, storms and hail, natural disasters, electrical events (short circuits etc.)

  • water damage and damage caused by oil

  • breakage of glass (windows, solar panels, TV screens etc.).

Damage to the property

  • your liability as a tenant for damage caused by one of the above-mentioned risks is covered

  • damage caused by vandalism, malicious acts or acts by a thief or one of your guests

Damage caused to third parties

  • material damage and physical injury caused to third parties by the insured property

  • damage originating in the insured property that extends and causes damage to others, such as a fire that spreads to a neighbouring house

Main exclusions

  • damage caused intentionally by the policyholder

  • damage to a dilapidated or condemned building

  • damage caused to motor vehicles

  • damage caused by non-compliance with an obligation imposed in your insurance policy and concerning the insured property’s material condition or protection arrangement

Discover the complete list of risks covered and exclusions

  • The above list of risks covered and exclusions is not exhaustive. The exact scope of the cover provided can be found in the standard terms and conditions. . To find out the main characteristics of this insurance, you can consult the information document.  You can obtain it free of charge at the bottom of this page, in branch or via the Easy Banking Centre (+ 32 2 433 41 30).

Learn more

Any concerns?

Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, e-mail to gestiondesplaintes@bnpparibasfortis.com), ), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.

If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels – BCE 884.072.054 – Tel: 02 547 58 71– www.ombudsman-insurance.be.

Data protection

The personal data provided by the policyholder is processed by AG SA.

Find out more

Calculate your premium and take out your fire insurance policy in three steps

Carry out a personalised simulation

1

Calculate your premium

After logging in, calculate the price of your fire insurance with no obligation.

2

Finalise your policy

Finalise your policy with the help of an advisor in branch or by phone, or directly online.

3

Sign your policy

Sign your policy in a branch or via Easy Banking Web.

Read the information until the bottom of the page before youUse the simulator and apply

Extra peace of mind

Tenant Pack

The Tenant Pack is the ideal complement to your Top Habitation insurance. You can get assistance from a professional 24/7 to resolve urgent problems in your rented property, up to three times a year. You can also obtain legal assistance and advice to settle a dispute out of court, or get compensation for legal fees, although note that the latter type of cover does not apply in the event of unpaid rent or charges.

Shared Accommodation Pack

Are you renting a house or flat with others? The Shared Accommodation Pack offers the same guarantees as the Tenant Pack.
Plus, specifically for the Shared Accommodation Pack, you'll get legal assistance in case of disputes between housemates: AG specialists will help you resolve conflicts with your housemates, for example, over rent or bill payments, or when checking the property's condition at the end of the tenancy.

ALWAYS BY YOUR SIDE

24/7 assistance in the event of a claim

Our specialists are available day and night. One phone call and we immediately take the most urgent measures needed, organise emergency action, provide rapid assistance and possibly arrange for you to return early if you’re away. Has your home become uninhabitable? If so, we monitor the property and reimburse your alternative accommodation and childcare costs. You can also obtain an advance on your compensation.

Learn more

Natural disasters: preventing damage

Torrential rains, heavy hailstorms, violent gusts of wind: climate change is unfortunately leading to more and more natural disasters in Belgium and around the world. And both their frequency and intensity seem to be increasing year after year. How can you protect yourself and your loved ones, as well as your assets, as much as possible? What can you do if you still suffer damage?
Discover our tips

BETTER PROTECTED

Tailored cover

  • Theft insurance

    Theft insurance, an optional add-on to your Top Habitation policy, protects you in the event of theft or damage caused during an attempted theft.

    Find out more

  • Legal expenses cover

    Legal expenses cover is an optional add-on to your Top Habitation policy, allowing you to obtain legal assistance in the event of a problem related to your home.

    Find out more

  • Homiris alarm system

    Homiris is a high-performance alarm system with remote monitoring, allowing you to protect your home and loved ones against burglary and fire risks. Everything is included in the subscription: provision of equipment, installation and maintenance.

    Discover Homiris

Legal information

AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 –  www.aginsurance.be - info@aginsurance.be Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.

Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.

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