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Did you know?
Take advantage of several discounts on your insurance!
PROMOTION: Until 30 June 2025, a free All Risks Home Insurance.
Home insurance for landlords
Top Habitation Fire Insurance is a Belgian 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.
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:
- Third-party motor insurance or Top Familiale liability insurance
- Top Vélo, which provides assistance and insurance against material damage, theft and accidents for your bicycle
- Providis comprehensive legal expenses cover
- or Top Accidents insurance
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%
Receive a 10% discount for the entire duration of your new policy if you make energy efficiency improvements in your home, for example by installing solar panels, a heat pump or additional insulation. You can also benefit from this discount if your home has a green energy certificate (PEB A+, A or B in Wallonia and Flanders, and A, B or C in Brussels)¹.
Do you need a new energy performance certificate (EPC), an asbestos certificate or an electrical inspection for your home? Rely on SoSimply.
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).
Let your property with peace of mind
As a landlord*, your investment deserves tailored protection. Top Habitation fire insurance provides just that.
Cover for repairs
The fire insurance policy taken out by your tenant, as a legal requirement, covers the actual value of your property. By taking out your own fire insurance policy, additional costs related to compliance with new legal (and regional) standards are also covered.
Protected if the property is left unoccupied
Your property is also insured if it is not being let out, i.e. if it is temporarily unoccupied.
24/7 assistance
If you have a problem, a specialist is available day and night to help you make a claim. One phone call and we take immediate action to secure the property: covering a damaged roof, sealing a leak etc.
* For a property in Flanders, if it is the tenant’s main residence and the lease began on or after 1 January 2019, you are now required to take out fire insurance.
The scope of your cover as a landlord
Top Habitation fire insurance covers
damage to the insured property
fire, explosion and implosion, lightning, storm, and hail, and electrical events (such as a short circuit), including search and repair costs in the event of a gas leak and search costs to detect the cause of electrical damage
natural disasters (flooding including rainwater runoff, overflow and backflow of public sewers, earthquake, landslide or subsidence)
water damage and oil damage, including leak detection, pipe repair and dry rot treatment
damage to the building through vandalism, malicious acts or acts committed by thieves, and theft of building parts (solar panels etc.)
breakage of glass (windows, solar panels etc.)
damage caused to third parties
damage caused to third parties
damage originating from your property and extending elsewhere (e.g. a fire that damages a neighbouring property)
Top Habitation fire insurance does not cover
normal rental wear and tear such as scratches on kitchen cabinets, damaged wallpaper etc.
damage to a dilapidated or condemned building
damage intentionally caused by the policyholder
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 and pre-contractual information. To find out the main characteristics of this insurance, you can consult the information document. You can obtain them free of charge at the bottom of the page, in a branch or via the Easy Banking Centre on 02 433 41 30.
Want to know more?
The following documents will provide more information on Top Habitation fire insurance:
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, 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.
Protecting your privacy
The personal data provided by the policyholder is processed by AG SA.
Calculate your premium and take out your fire insurance policy in three steps
Calculate your premium
After logging in, calculate the price of your fire insurance with no obligation.
Apply
Finalise your policy with the help of an advisor (available in branch and by phone) or directly online.
Sign your policy
Sign your policy in branch or via Easy Banking Web.
Always by your side
Need to make a claim? We are here for you!
Accidents happen ... Our specialists are available 24/7. They will support you every step of the way, from the initial emergency measures to the processing of your claim.
A natural disaster. What now?
Extreme rainfall, heavy hailstorms, wind gusts, violent storms... What happens if a natural disaster endangers you, your family or your property? Learn how to minimise damage and respond effectively when the unexpected happens.
Ensuring your peace of mind
The “no recourse” option
As a landlord, you can add the “no recourse” option to your own Top Habitation fire insurance policy covering the rental property, which means that in the event of a claim, AG will not seek to recover the cost of any damage from your tenant.
The benefit for you as a landlord is that you know exactly what your policy covers, which helps you maintain a good relationship with your tenant, even after a claim.
Landlord Pack
Are you letting out a house or apartment that is the tenant’s main residence? If so, you can extend your Top Habitation policy with a Landlord Pack:
- financial and legal assistance if the tenant stops paying rent;
- legal expenses cover in the event that the tenant damages the property or if any other legal issue arises in relation to the lease;
- compensation in case of the tenant’s early departure.
Damage to common areas caused by the tenant is not covered.
You can find all the details of this optional cover in the Landlord Pack commercial document.
INSURANCE
Discover other insurance policies
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AG Top Habitation theft insurance
This additional cover provides assistance in the event of theft or damage caused by an attempted burglary.
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Legal Protection Assistance from AG Fire Insurance
With this additional legal protection insurance, you can count on legal assistance in case of disputes related to your home.
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Homiris Alarm System
Homiris protects your home and your loved ones 24/7 against burglary and fire risks. Delivery, installation and maintenance are included in the subscription.
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Fire insurance for co-ownerships
With AG's Top Habitation fire insurance, protect the building you are responsible for as a co-ownership association (ACP) against fire, natural disasters, broken windows, water damage and vandalism.
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.