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
KBC Home Insurance
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.
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.
Still feel you need personal contact or advice?
Our experts are always there for 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?
Tenants in Belgium are required by law to take out home insurance. At KBC, we always recommend taking out this type of insurance simply because it makes sense to protect yourself against the financial consequences of damage to your home and contents.
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.
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’.
To get the best possible cover, you should insure the contents of your home against theft and attempted theft.
Covered
- Theft or attempted theft of contents (furniture, clothing, bicycles, jewellery, television sets, etc.), motor vehicles and their trailers, pets, etc. in or outside your home
- Theft or attempted theft involving violence, threats or a break-in while you are on holiday or in a public place
Not covered
- Theft or attempted theft of or from a vehicle located elsewhere (other than in a locked private garage) or on a public road
What if …
- Your landlord refuses to repair the roof?
- Or wrongly accuses you of having damaged the doors?
In these cases, this insurance covers legal assistance and support.
If you become involved in a legal dispute relating to the home you are renting, we engage the services of Defendo, KBC’s legal assistance department. They are an independent and specialised team, who guarantee honest advice and the confidential handling of your file.
What will Defendo do for you?
- Provide you with assistance
- Inform you of your rights and how you can enforce them
- Help you to gather all the information you need (including evidence, certificates and witness statements)
- Cover the fees and charges of lawyers, court bailiffs and various experts
- Cover the costs of the court or out-of-court proceedings
- Cover the loss you suffer if it turns out the liable party is unable to pay
What is insured?
Legal assistance if you become involved in a dispute with your landlord regarding
- The safety and liveability of the home
- The repayment of costs caused by a defect in the home
If you incur loss and/or damage, Defendo will assist you in order to ensure you are adequately compensated. If you are suspected of a crime, Defendo will ensure that you receive the appropriate legal support from a criminal defence lawyer. This applies if you are a suspect and also if you are entitled to consult a lawyer.
What is not insured?
- Fines or municipal administrative sanctions, charges or out-of-court settlements
- If the loss is related to the performance of a contract, Defendo will not become involved in the actual content of the contract, for example, discussions about price or quality
- In order to avoid conflicts of interests, Defendo does not handle any disputes involving you and another insured person
If you use fuel oil to heat your home, you are personally responsible for checking the tank on a regular basis and for soil decontamination 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 decontamination, 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 per claim is 60 000 euros.
What is insured?
We cover the risk as well as the practical organisation of the compulsory soil decontamination.
We send an assessor to
- Determine the nature and seriousness of the contamination
- 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 arrange to have decontamination works carried out if the contamination is so serious that you are required by law to have the soil decontaminated.
What is not insured?
- Contamination that already existed when the cover was taken out
- Costs borne by the government or another body for the decontamination of contaminated soil
- The possible reduction in value of the contaminated soil
- Pollution and contamination caused by natural disasters
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.
If your home incurs damage we insure, there's no need to look for your tools or call on an odd-jobber.
The KBC service that arranges the repairs is included in your home insurance. We'll look for the right repairer in your neighbourhood, arrange the works to suit you and pay the bill.
So, you don't have to lift a finger – just leave the repairs to an expert and enjoy peace of mind. If you know a repairer or want to fix the damage yourself, you can opt for compensation instead.
If you own or rent a second home, you can take out home insurance that’s tailored to that particular property.
> Check out home insurance for second-home owners
> Check out home insurance for second-home tenants
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 three months before the main renewal date.
For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them. 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
