Tailored cover with your fire insurance policy
The Top Habitation fire insurance policy offers many benefits: discover them below.
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Get multiple discounts on your insurance!
INSURANCE
Homeowner's fire insurance
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?
Enjoy tailored protection for your home and its contents. The insurance covers you, among other things, in the event of:
- fire
- natural disasters (storms, etc.)
- water damage
- damage to your building because of vandalism
If your home or apartment is damaged, you will receive compensation quickly, and you can get assistance 24/7.
Have you taken out a mortgage to acquire your dream home? In the event of a problem, your fire insurance policy protects you and your family from the related financial risks. Everything will be done to ensure you have a roof over your head, so you can have real peace of mind.
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%
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).
Transparency
When you take out Top Habitation fire insurance, AG applies the principle that everything is covered unless specifically excluded.
Full compensation for damage
Your home is always insured at its current reconstruction value. Additional costs arising from compliance with new legal and regional standards will also be covered. You can also get 100% compensation even if your home is not rebuilt.
Repairs in kind
If AG considers that the circumstances of the claim allow it, you may be offered a repair in kind. In this case, AG will pay the full cost of repairing the damage: you won’t have to pay anything, not even an excess. The repair also comes with a six-month warranty. You always have the option to refuse the proposed repair in kind.
Cover away from home
If you're going on holiday with your car, and your boot is full of your personal belongings to ensure a pleasant stay abroad, it’s good to know that contents that you take temporarily away from home are covered worldwide!
Cover for rented properties
If you're renting a student room, a second home, holiday accommodation or a party venue, these are also covered. The fire insurance policy for your main residence covers you against damage to any of these buildings and their contents.
Enhance your cover according to your needs
In addition to the cover provided in the basic policy, you can also:
- cover your contents against theft
- benefit from legal assistance
- extend your fire insurance policy with various packs
Our advisors can guide you in branch or over the phone.
The scope of your cover
Fire insurance covers
damage to your home and its contents
fire, explosion and implosion, lightning, storm and hail, electrical events (short circuit etc.)
natural disasters (floods, including rainwater runoff, overflow and backflow of public sewers, earthquakes, landslides or subsidence)
water damage (including leak detection, pipe repair and dry rot treatment) and damage caused by heating oil
damage to the building through vandalism, malicious acts or acts committed by thieves, theft of parts of the building (solar panels, electric vehicle charging points etc.)
breakage of glass (windows, TV screens, solar panels etc.)
damage caused to third parties
material damage and physical injury caused to third parties by your home or its contents (building liability cover)
damage originating from your home or contents that extends and causes damage to others, such as a fire that spreads to a neighbouring house
24/7 assistance
assistance with damage covered by your insurance, along with urgent measures to limit the damage
coverage of certain urgent expenses to prevent the damage worsening, and other expenses such as the cost of temporary accommodation
Fire insurance does not cover
damage caused intentionally by the policyholder
damage to a dilapidated or condemned building
damage caused to motor vehicles (this refers to damage caused, among other things, to a vehicle, a scooter or a motorcycle with an engine of over 50 cm³/4kW)
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 it free of charge at the bottom of this page, in branch or via the Easy Banking Centre (02 433 41 30).
Learn more
The following documents provide additional information about 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.
GET A PERSONALISED QUOTE
Calculate your premium and take out your fire insurance policy in three steps
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 below before youUse the simulator and apply
Optimal buildings cover
Protect the building for which you are responsible as a property owners' association with AG’s Top Habitation fire insurance, and ensure maximum peace of mind!
Basic cover
Are you a property owner, tenant or landlord? With AG’s Top Habitation fire insurance, you can insure your apartment buildings with up to ten residential units (Mini Building Pack) or more than ten residential units (Building Pack). This protects you in the event of fire, natural disaster, breakage of glass, water damage etc. and if your building is damaged by vandals.
Fire insurance for property owners’ associations
Customise your fire insurance policy
Theft+ Pack
Suffering a theft is never enjoyable, but knowing that your electrical, computer and multimedia equipment will be fully compensated at the purchase price* with no excess to pay for claims over €1,274** means that this pack gives you peace of mind. However, if you were complicit in the theft or not a lawful occupant of the property, you won’t be covered.
Garden Pack
If a storm or flood damages your garden furniture or plants, they’re covered. Your garden furniture is also covered by the theft guarantee. However, the pack doesn’t cover maintenance of your garden or damage caused by pets.
* For 3 years for computer and multimedia equipment, 7 years for other devices.
** Index-linked amount, rounded to the nearest euro (Abex 906, January 2022).
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?
INSURANCE
Discover our other types of cover
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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.
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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.
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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.
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/. 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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