Home insurance for landlords

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

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

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.

The following documents will provide more information on Top Habitation fire insurance:

• Top Habitation standard terms and conditions
• Information document
• Pre-contractual information
• Top Habitation commercial document

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.

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

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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.

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.

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

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.