That depends on which region your rented property's situated in. In Flanders, tenants have been under a legal duty to take out property insurance since 1 January 2019. Wallonia made tenant's insurance compulsory on 1 September of this year. Brussels has not yet officially gone that far.
However, if you are a tenant, we recommend that you take out tenant’s liability and home contents insurance, to avoid having to cover these costs yourself. In fact, a lease will often include a tenant's obligation to take out property insurance anyway.
The law names a number of risks that policies have to cover, like fire, storm, hailstones and natural disasters.
When you take out home insurance, you often have a choice of cover options, so you need to think about what your tenancy needs are. For example, if you want to be sure you can get legal assistance for a dispute with your landlord, extend your cover to include Legal assistance insurance for tenants.