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    Property insurance for tenants

    • Home insurance for tenants is compulsory in Belgium
    • Calculate the cost of your home insurance cover in three steps without any obligation on your part
    • Take out your home insurance the easy online way
    See what it costs you

    KBC Home Insurance

    Available 24/7

    At KBC, we’re available around the clock to help you as quickly as possible should your home or its contents suffer damage.

     

    Repairs carried out from A to Z 

    Not sure which contractor to call? If your home gets damaged, you can either leave it to KBC to arrange all the repair work or receive payment equal to the reconstruction value of your property.

    Add-on cover

    Want to insure your home contents, garden or swimming pool? At KBC, you can add other types of cover to your home insurance so that it’s tailored to fit your situation. 

     

    What’s insured and what’s not?

    Basic home insurance cover (your liability) is compulsory for tenants in Belgium, but you can also include additional cover for your home’s contents in the policy.  

    What is insured?

    Tenant’s insurance (main cover)

    • The home, annexes and fences
    • Rented garage (even if it is located elsewhere)
    • Property or items permanently attached to the building

    If you sublet a section of the home, the subtenant is included in the cover.

     

    Contents insurance (supplementary cover)

    • Damage caused by fire, explosion, storm, hail, lightning, water and collision to, for example, your:
      • Home contents (including furniture, clothing, bicycles, jewellery and television sets)
      • Pets
      • Motor vehicles and their trailers
    • Damage to fixtures or improvements you made to the home as a tenant at your own expense

    Your contents are insured at your home address, in your garage (even if it is located elsewhere) and in a building or part of a building that you rent or use (student accommodation, retirement home or care home).

    What’s more, your home's contents are covered against all types of loss and damage, provided you did not expect the event to occur and that the loss or damage amounts to at least 1 250 euros. If you choose to add on theft cover, you will also be protected against any loss or damage caused by theft or attempted theft.

    When you’re on holiday, we insure your luggage in the holiday home you rent or in your hotel room. Your pets are insured everywhere.

    What insurance do you need?

    We recommend insuring both your rented property and its contents. You simply never know when flooding, a fire, storm or other unforeseen event could cause damage.

    Add-ons

    You can extend your policy by adding the following types of cover:

     

    What is not insured?

    Tenant’s insurance (main cover)

    • Additional obligations in your lease which exceed the legal liability 
    • Deliberate destruction or theft of goods by you or members of your household 
    • Typical rental damage (e.g., damage caused by wall plugs) 

    The complete list of exclusions can be found in the general conditions.

    Contents insurance (supplementary cover)

    • Loss
    • Deliberate damage
    • Damage caused by flooding to objects outside the home or building

    If you also want to take out insurance that covers theft or attempted theft of your home contents, motor vehicles and their trailers, pets, etc. and items outside your home, you'll need to add on theft cover. 

    The complete list of exclusions can be found in the general conditions.

    Good to know

    Your third-party liability for loss or damage caused in, around or on the building, the grounds, any adjacent footpaths or their contents is not covered under this policy. This cover is provided under your family insurance.

    What is third-party liability insurance (TPL)?

    Important

    The above list is incomplete. A complete overview of what is and isn’t insured can be found in our conditions at the bottom of this page.

    Choose the home insurance that’s right for you

    Find out how much your home insurance will cost you in just a few clicks. The good thing here is that the price you're given is always all-in, without any hidden costs. Regardless of whether you’re an owner, tenant or landlord, you can take out your customised insurance right away.

    Work out your insurance now

    Filing your claim

    You're not on your own when it comes to claiming. You can easily submit your claim online 24/7 with the help of Kate in KBC Mobile. After submitting it, your KBC Insurance agent will contact you to progress matters (even if you took your policy out online)

    Good to know:     if the building suffers damage, you also have the option of leaving it to KBC to find a contractor or repairer to carry out the works, instead of you having to find them.

    Get personal assistance in the event of damage or accidents

    • Personal no-obligation advice
    • Knowledgeable assistance
    • Always nearby
    File your claim

    Still feel you need personal contact or advice?

    Our experts are always there for you.

    Find an expert near you

    Easily switch to insuring your home at KBC

    At KBC, we pride ourselves in making things easy for you. When you take out a new policy with us online, we'll immediately show you a form for cancelling your old insurance. All you need to do is to complete the form and send it back to us. We’ll take care of the rest. You don't even need to send a registered letter to your old insurer. 

    If you have any other questions, check out the set of FAQs on home insurance. 

    Have any other questions?

    What’s the difference between home insurance, property insurance and fire insurance?

    Home insurance goes by a number of different names. It may be a bit confusing, but actually home insurance, property insurance and fire insurance are the same thing. However, this type of insurance covers more than just damage caused by fire, which is why some people prefer to use the generic term ‘home insurance’.  

    You decide what your home insurance should cover. We always recommend insuring both your home and its contents so you have full standard cover. However, you can also choose to insure just one of the two. If you only insure your household contents under your home insurance policy, it is sometimes referred to as ‘home contents insurance’. 

    Do I have to take out home insurance if I’m a tenant? 

    Yes, you do. As a tenant, you are legally obliged to take out this type of insurance in Belgium, due to the fact that you can be held liable for damage to the building or those parts of the building that you rent. When you take out home insurance, you’re protected against the financial consequences if there’s any damage.

    How is my insurance premium calculated?

    We calculate your insurance premium based on a number of factors, including:

    •  the liveable floor area of your rented property
    • location
    • any add-on cover you choose

    Our handy simulator lets you work out your annual premium without any obligation on your part. 

    Are the contents of my home also covered? 

    As standard, KBC Home Insurance only covers your liability as a tenant for any damage to the property you are renting. Your personal belongings are not covered as standard, but you can include your household contents under it.

    Can I include add-ons in my home insurance? 

    You can extend your home insurance to include additional cover (e.g., for contents, theft or legal assistance), thus enabling you to tailor your insurance to meet your needs.

    Are solar panels, charging stations and home batteries covered by the home insurance policy?

    Your solar panels, charging station and home battery are automatically insured under your KBC Home Insurance. So, when they are installed, you don't have to inform your Insurance Expert Insurance about it. 

    How do I make an insurance claim?

    You can easily file a claim at any time using Kate in KBC Mobile. Your insurance agent will then contact you to progress your claim. If you prefer a more personal approach, you can also report a claim directly to your insurance agent or call the assistance centre on 016 24 24 24 (24/7 service).

    Why should I take out home insurance at KBC?

    Our handy simulator lets you work out the price of your home insurance in just a few steps. The good thing here is that the price you're given is always all-in, without any hidden costs.

    You can take out the insurance directly online without having to go to your branch, even if you’re not with us. Your insurance will then take effect the very next day. If you don't need cover straightaway, simply pick a different starting date.

    Want to pay your premium yearly or prefer to pay it monthly at no extra charge? That's up to you, too.

    Customised home insurance for tenants

    Be sure to read the information document before taking out home insurance.  
    Other important documents are included below: 

    Good to know

    KBC Home Insurance for tenants may include one or more of the following types of insurance cover: tenant’s insurance, home contents insurance, theft insurance for home contents, soil decontamination insurance (home insurance) and legal assistance insurance for tenants (legal assistance insurance). These forms of insurance cover are designed for tenants of private homes. No commercial activity or liberal profession is carried out in the insured home.

    • This product is governed by the laws of Belgium.
    • Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than two months before the main renewal date.
      As a consumer, you can cancel your insurance contract at any time starting from the second insurance year, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.
    • Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be. This does not affect your legal rights.

    Contact your insurance expert or visit our website to request a quotation for KBC Home Insurance for tenants.

    KBC Home Insurance for tenants is a product provided by KBC Insurance NV, Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium.

    VAT BE 0403.552.563, RLP Leuven, IBAN BE43 7300 0420 0601, BIC KREDBEBB.

    Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979).

    Member of the KBC group