Home Insurance for second-home owners

Insure your second home and its contents against fire, water damage, natural disasters, etc.

  • Calculate the price of your Home Insurance in 3 steps using our simulation tool
  • Get your Home Insurance immediately online or drop by one of our agencies or branches
  • File insurance claims using our app, by telephone or by contacting your insurance agent

Home Insurance for second-home owners

Insure your second home and its contents against fire, water damage, natural disasters, etc.

  • Calculate the price of your Home Insurance in 3 steps using our simulation tool
  • Get your Home Insurance immediately online or drop by one of our agencies or branches
  • File insurance claims using our app, by telephone or by contacting your insurance agent

What is Home Insurance?

Home Insurance protects you from the financial risks associated with damage caused to your home and furniture by fire, water, natural disasters, etc.

Is Home Insurance compulsory?

Home Insurance for second-home owners

No, Home Insurance is not compulsory by law. We do recommend that you insure your home and its contents against damage. No fewer than 95% of Belgian homeowners have this type of insurance, making it the most popular type of non-life cover.
If you decide to purchase Home Insurance, the insurer is required by law to cover a minimum number of risks, including, fire, storm, hail and natural disasters.
When you purchase Home Insurance, you often have a number of options to choose from, so it is important that you state which types of cover you require. For example, if you have a swimming pool you would like to include in the insurance, you can extend your policy by adding 'Swimming pool insurance'.

What does Home Insurance cover?

Home Insurance covers far more than fire damage alone. Our Home Insurance covers your home and its contents (except against theft).

  1. Home Insurance
  2. Home Contents Insurance

Depending on your requirements, you can extend your cover by adding the following types of insurance: garden insuranceswimming pool insurance or insurance against leaks from your fuel oil tank (i.e., soil contamination).

Looking to insure your first home?

Be sure to check out KBC Home insurance for owners.

1. Home Insurance

What is insured?

You are insured against all unexpected damage to

  • The home itself
  • Its terraces
  • Its driveways
  • Any constructions attached to the home

If you would also like to insure your garden house, free-standing garage or pool house, we recommend our 'detached annexes' cover. This also applies to individual garages located elsewhere. We provide a specific type of cover for swimming pools.

What is not insured?

Damage caused by

  • Surface instability
  • Groundwater or precipitation caused by your cellars or exterior walls not being waterproof
  • Work being carried out on-site
  • Correction of construction flaws

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

Your home is insured against all risks

Our Home Insurance protects your home from all types of loss and damage, except for a number of exclusions. More detailed information is provided in the general conditions. This ensures that even types of loss and damage not taken into account are fully covered.

Good to know

Do you own an apartment and has the owners’ association purchased owners’ association insurance? In that case, the building is already insured and you are not required to purchase this insurance. 

Questions about your Home Insurance?

2. Home Contents Insurance

Your home may be well insured, but what about its contents?

What if …

  • …a tree falls on top of your roof, caused by fierce winds?
  • …lightning destroys your washing machine?
  • …a fire breaks out?

KBC Home insurance for owners - second residence covers your second home (except against theft).

What is insured?

Damage caused by fire, explosion, storm, hail, lightning, water, collision, or flooding to your

  • Home contents: furniture, clothing, bicycles, jewellery, television sets, etc.
  • Pets
  • Motor vehicles and their trailers

What is not insured?

  • Break-ins, theft and attempted theft
  • Deliberate damage
  • Damage caused by flooding or by the overflowing of public sewers to items outside the home.
  • Unique property such as art objects and antiques. We recommend our separate ‘Valuables’ cover for this purpose. For further information, please contact your Insurance Expert.

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

The contents of your home is insured against all risks

Our Home Insurance covers your home's contents against all types of loss and damage, on
condition that you did not expect said event to occur and that the loss or damage amounts to at least 1,250 euros.

Where are your home contents insured?

  • At the address of your second residence (house or apartment)
  • In your individual garage, even if this is located elsewhere or you are renting the garage

Your pets are insured everywhere.

Optional

Based on your requirements, you can extend your cover to include the following types of insurance:

Garden insurance

Garden insurance

We cover damage to your garden.
What we consider to be a garden

  • Lawns
  • Trees, shrubs, hedges and any plants in open soil or in pots
  • Ponds, fountains and fish
  • Garden furniture and other movable property decorating your garden

What is insured?

  • Fire, storm, hail, natural disasters
  • Collision
  • Escaped livestock or other domestic animals
  • Vandalism and spraying damage you did not cause yourself

What is not insured?

  • Damage of a temporary nature (trees or shrubs that will recover naturally)
  • Deliberate damage to or destruction of the garden by you or members of your household
  • Theft or attempted theft

Compensation for plants

If damaged trees, hedges or other plants need replacing, they will be replaced with similar young plants.
The loss of value due to the difference in age with the similar young plants is covered up to a maximum of 1,000 euros per plant.
The total compensation for each claim event amounts to 60,000 euros. 

Swimming pool insurance

We cover damage to your swimming pool and its accessories.

What is insured?

Swimming pool insurance
  • Your outdoor swimming pool or swimming pond and even the water
  • Jacuzzis
  • Swimming pool pumps, taps, heat pumps, filters, solar collectors and jet streams
  • Lighting, panelling, roller covers, screens and covers
  • Terrace and shower system near your swimming pool

All the accessories and accoutrements to your pool are insured at their full value – this means we fully compensate any and all damage and loss. Note: theft of pool accoutrements and accessories is not covered under this insurance.
The swimming pools must be dug into the plot of land belonging to your home. Above-ground pools are only covered if they are constructed from hard materials. 

What is not insured?

Damage

  • To your property as a result of your use of such property
  • Caused by cleaning, processing or repair
  • Covered by the warranty or a maintenance contract
  • Caused by corrosion, wear and tear, discolouration, contamination or other gradual damage resulting from exposure to slow-acting influences
  • Caused by peeling, scratches, dents or stains

Soil remediation insurance

Soil remediation insurance

If you use fuel oil to heat your house, you are personally responsible for checking the tank on a regular basis and for soil remediation following contamination.

More than 3% of tanks start leaking at some point, often caused by rust. However, contamination may also occur while refilling the tank. You will also be responsible for covering the cost of the soil contamination, i.e., the process of cleaning the contaminated land.

Only fuel oil tanks built less than 40 years ago and with a maximum capacity of 20,000 litres are eligible.
The total compensation for each claim event amounts to 60,000 euros.

What is insured?

We cover both the risk and the practical organisation of the compulsory soil remediation.
We will send an assessor to

  • Determine the nature and seriousness of the pollution
  • Take measures to limit the consequences
  • Inform you of the statutory procedures relating to soil contamination
  • Help you with any formalities to be completed

We will arrange to have remediation works carried out if the contamination is so serious that you are required by law to have the soil remediated.

What is not insured?

  • Contamination that already existed when the cover commenced
  • Costs borne by the government or another body for the remediation of contaminated soil
  • The possible reduction in value of the contaminated soil
  • Pollution and contamination caused by natural disasters

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

Good to know

KBC Home insurance for owners - second residence may include one or more of the following types of cover: home insurance, home contents insurance, swimming pool insurance, garden insurance, and soil remediation insurance. These are forms of property damage insurance. These forms of insurance cover are designed for owners using their private home as a second residence. You are not permitted to permanently rent out the home, but several weeks out of the year is allowed. You may not use the home to engage in any commercial activities or liberal professions. Note: this does not include homes under construction.

  • This product is governed by the laws of Belgium
  • The insurance in this policy applies for a term of one year and will be tacitly renewed, unless it is terminated no later than three months before the principal renewal date.
  • 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. 0800 62 084 or + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. 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.as, www.ombudsman.as. This does not affect your legal rights.

Contact your insurance expert or visit our website to request a quotation for KBC Home insurance for owners - second residence.

KBC Home insurance for owners - second residence is a product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium
VAT No. BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium.
Member of the KBC Group

For a concise description of the cover, the main exclusions and other useful information, please refer to the product fact sheet

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