Although popularly called fire insurance, your home insurance covers much more than fire damage. It jumps into the breach for you in the event of damage to your home and its contents. Obviously when it burns, but also in the event of a storm, a lightning strike or flood, for example .
In addition, your home insurance policy usually covers your civil liability: when your home or contents cause damage to others. For example, this insurance intervenes when a storm rips roof tiles off your roof, destroying the neighbor's porch.
On top of these basic coverages, your policy contains additional coverages and you can add additional options. Think carefully about this so you are not under- or over-insured. We are happy to advise you to choose a policy that insures the true value of your home and contents.
Only for tenants (in Flanders or Wallonia, not Brussels) is home insurance a mandatory insurance. But even if you own or rent your home, it is wise to get home insurance.
Disclaimer
This page is part of a lexicon and does not provide product information or contractual details on insurance services. For specific information, please refer to the official documentation or contact your insurance agent.
