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INSURANCE
Home insurance including personal and business contents
Top Habitation Insurance is a Belgian-law fire insurance policy for buildings and contents 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.
For you and your business
Do you practise as a professional from your home or do you have a home office for your self-employed activity?
With Top Habitation Insurance, you can work with peace of mind: your business assets will be protected against the unexpected. Fire, storms, floods, water damage... Your fire insurance policy covers not only your building and personal contents but also your business equipment and goods.
Transparency and security
Comprehensive cover means there are no nasty surprises. Even if the cause of the damage is not clearly established, the damage is almost always covered: find out more here.
Your business contents
Your building and its contents are covered, including your business office equipment (except for pharmacies) and goods.
EcoBonus: 10% discount
Is the building you’re insuring equipped with solar thermal panels, solar photovoltaic panels, a heat pump or a domestic wind turbine, or does it have a green energy certificate? If so, to encourage energy-efficient buildings, we’re offering a 10% discount on all types of cover included in your new Top Habitation policy if you sign up by 30 June 2025, for the entire duration of the policy*.
Suitable cover
Damage is fully compensated in almost all cases (see the standard terms and conditions) based on the reconstruction value of the building including additional costs to comply with new building standards.
Damage repaired
Quick and efficient: if you want to arrange for damage to be made good as soon as possible, this is possible under the policy. The repair work will be done directly, you won’t have to pay an excess, and the work will be covered by a 6-month warranty.
24/7 urgent assistance
Need urgent help or advice with a policy-related issue? Our team is available 24/7 to help you with things like finding temporary accommodation and arranging childcare.
* This discount is granted for any new Top Habitation insurance policy relating to a home equipped with solar panels, a heat pump or a domestic wind turbine, or with a green energy certificate (PEB, EPC, EPB: A+, A or B in Wallonia and Flanders, and A, B or C in Brussels), or for adjustments to an existing policy that involves a repricing (e.g. in the event of changes to the home). ). The discount is also granted if the customer commits to complying with the applicable terms and conditions within one year. The discount is valid on all types of cover included in the Top Habitation insurance policy for the full duration of the policy.
Your cover in detail
Covered risks and exclusions
Top Habitation insurance covers:
damage to your building and its personal and business contents in the event of fire, explosion or implosion, lightning, storm, hail, snow pressure, water damage, oil damage etc.
breakage of glass, including in relation to your solar panels
damage resulting from an electrical event such as a short circuit, overvoltage or induction, caused in particular to your electronic and IT equipment (up to €118,827.07, ABEX index 878)
damage caused to your building in the event theft or vandalism
your liability in the event of damage to neighbouring buildings or third parties and which is covered by this insurance. The damage must result from an event that you have suffered and that is also covered by this insurance.
Top Habitation insurance does not cover:
damage to dilapidated or condemned buildings
damage caused by power outages
damage (water damage, breakage of glass etc.) resulting from work on your building, as the person performing the work is responsible for such damage
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
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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. To receive a quote, contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Want to know more?
Read the following documents before signing your policy:
Any concerns?
If you have any questions, you can contact your advisor in the first instance or consult Article 21 of the standard banking terms and conditions.
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, email 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 - info@ombudsman-insurance.be.
Make a claim
If you need urgent assistance or would like to make a claim, our team is here to help!
Contact your advisor or call the Easy Banking Centre to schedule a video call.Call us on 02 433 43 34
Supplement your cover
Do you need even more comprehensive protection for your home and business contents? Simply add one of the following types of cover to your policy.
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Theft cover for your contents
If equipment such as furniture or IT equipment has been stolen, and the damage is significant, it will be covered if you take out this theft add-on.
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Legal expenses
If your home and business assets have suffered damage following a problem in a neighbouring property, legal expenses insurance helps you obtain the compensation you’re entitled to.
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Financial protection
Ensure the continuity of your business with this optional add-on, which covers your loss of earnings resulting from a claim.
Our other insurance policies
Company cars, civil liability and more besides: discover other business insurance policies to protect yourself even better!
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Third-party insurance for your company vehicles
A third-party insurance policy for company cars, vans and trucks that covers damage caused to third parties following an accident. And the passengers in your vehicle are also protected!
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Liability insurance for medical and allied health professionals
This insurance for people such as doctors, dentists, physiotherapists and providers of cosmetic procedures gives comprehensive coverage of your professional civil liability, which is mandatory in certain professions.
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Professional liability insurance
Do you practise an intellectual profession and need to cover your professional liability? If so, then this policy – which also includes other types of cover – is for you.
Legal information
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – http://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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