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INSURANCE

Insurance for property owners’ associations

IN PRACTICE

Your building fully insured

Are you part of a property owners’ association (POA) that’s looking for the best way to insure its building? Get peace of mind with our tailored solution!

YOUR BENEFITS

Maximum expertise

Benefit from the expertise of our POA team and its know-how in fire insurance.

MORE INFORMATION

Request a quote

Want to know more about our insurance solutions for property owners’ associations? Contact our expert POA team on 02 433 44 05.

The Mini Building+ pack is a supplement to the Top Habitation fire insurance policy and the Building+ pack is a supplement to the Top Habitation or Top Bureau fire insurance policy.

Top Habitation is a Belgium-law fire insurance policy for buildings and contents from AG SA, distributed by BNP Paribas Fortis SA.

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.

Your POA, our expertise

Ensure that the building for which the association is responsible is protected as effectively as possible by supplementing your AG Top Habitation fire insurance policy with:

  • the Mini Building+ pack
  • the Building+ pack*

These supplementary cover packs cover both the building and co-owned properties.

What your cover includes

The main risks covered are:

  • Compensation for loss adjustment fees incurred by the POA or the co-owners: 10% of the fees up to a maximum of €2,500 (non-index-linked)

  • Damage and theft insurance for common property up to €8,729 (ABEX 1032)

  • Extended cover for the building: damage caused by graffiti on the façade up to €8,729 (ABEX 1032) and damage to the common staircase wall, for example after a resident has moved out

  • Compensation in the event the building is inaccessible. The packs cover any accommodation costs for tenants and residents for as long as the building is inaccessible

  • 24/7 assistance for common areas, for example, to unlock a garage door or unblock a drain. AG's assistance department will put you in touch with a suitable tradesperson. Call-out costs, labour and materials for temporary repairs are also reimbursed up to €400 (including €150 maximum for materials). With no excess and up to 3 times per year

  • The Building+ pack also protects you against damage to aerials, solar panels and signs, which are excluded from some basic Top Habitation insurance policies. Cover is subject to restrictions, reimbursement limits, exemptions and exclusions.

The main risks not covered by the (Mini) Building+ pack are:

  • (Mini) Building Assist: problems with lifts or maintenance work

  • Damage to outdoor items intended to remain outside and for which the co-owner has not taken out contents insurance with AG

  • Expenses incurred by the POA or co-owners are not eligible if they involve repairs performed themselves and where compensation is paid on the basis of Belgian Natural Disaster Pricing Office insurance and insurance covering building liability, appraisal fees, the right of recovery of third parties and tenants etc.

Discover the complete list of risks covered and exclusions

Learn more

The following documents provide additional information about the Top Habitation fire insurance policy:

Any concerns?

If you have any questions, in the first instance you can contact your advisor or consult Article 21 of the standard banking terms and conditions.

Complaints can be made to BNP Paribas Fortis SA, Complaints Department, Montagne du Parc 3, 1000 Brussels, or to AG SA, Complaints Department, bd É. Jacqmain 53, 1000 Brussels, by phone on 02 664 02 00 or by sending an email to customercomplaints@aginsurance.be.

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, info@ombudsman-insurance.be - www.ombudsman-insurance.be.

Always by your side

Are you interested in our insurance policies for property owners’ associations?Contact us on 02 433 44 05

Recommended for you

  • Fire insurance for individuals

    Get peace of mind and enjoy complete protection of your home and its contents with AG's Top Habitation fire insurance.

    Learn more

  • Fire insurance for businesses

    Our building and contents insurance policies and their optional add-ons protect you and your business from the consequences of a disaster.

    Learn more

  • Our services for POAs

    We offer a variety of tailored solutions for property owners’ associations, including a full range of tools for your day-to-day banking and investment loans that help you finance your renovation projects.

    Learn more

Legal information

AG SA, bd É. Jacqmain 53, 1000 Brussels – RPM Brussels – VAT BE 0404.494.849 – www.aginsurance.be – Belgian insurance company approved under code 0079, under the control of the National Bank of Belgium, bd de Berlaimont 14, 1000 Brussels. 

Intermediary: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702 – is subject to prudential supervision by the European Central Bank and the National Bank of Belgium as a Belgian credit institution. BNP Paribas Fortis SA is registered under the aforementioned enterprise number with the FSMA, rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commission, for AG SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG SA.

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