Home Insurance for landlords
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- File insurance claims using our app or by contacting your insurance agent
What is Home Insurance?
Home Insurance protects you from the financial risks arising from damage caused by fire, flooding, natural disasters, etc. to the house or apartment you are renting out.
Is Home Insurance compulsory?
No, Home Insurance is not compulsory by law. However, we do recommend that you purchase insurance that covers damage to your home. 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, your liability for damage caused in or around your home, and legal assistance.
- Home Insurance
- Home contents insurance
- Third-party liability insurance for buildings
- Legal assistance insurance for buildings
Depending on your requirements, you can extend your cover by adding the following types of insurance: theft insurance for home contents, garden insurance, swimming pool insurance or insurance against leaks from your fuel oil tank (i.e., soil contamination).
Your home is insured against all risks
If you opt for this insurance, your home is covered against all types of loss and/or damage, except for a number of exclusions that are provided in the General Conditions. This ensures that even types of loss and/or damage not taken into account are fully covered.
What is insured?
You are insured against all unexpected damage to
- The home itself
- Its terraces, its driveway and its enclosure
- Any constructions attached to the home
If you would you also like to insure an annex such as your garden shed, pool house, detached garage or individual garage located elsewhere, we recommend our ‘detached annexes’ cover.
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.
With this insurance, the contents of your home is covered, except against theft.
What is insured?
Damage caused by, for example, 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
And we take it a step further: your home's contents is also covered 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.
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 specific ‘Valuables’ cover for this purpose. Contact our Insurance Expert.
The complete list of exclusions can be found in the general terms and conditions.
What if ...
- …your tenant is seriously wounded after a fire?
- …a flower pot falls down from your balcony on top of a passerby?
- …a paint pot falls on the neighbours’ car while you are painting your walls?
If you are held liable for these or similar incidents, you will not need to cover the loss under third-party liability insurance. We’ll compensate the victim on your behalf.
What is insured?
This insurance covers your third-party liability for loss or damage caused in, around or on:
- The building, the grounds, any adjacent footpaths, the garage (also if it is located elsewhere or you are renting it) or their contents
- Odd jobs at the specified address
We do not consider work that requires a permit or duty to report to come under odd jobs.
What is not insured?
- Loss or damage caused to animals or property under your supervision
- Loss or damage caused by buildings in a state of disrepair if you did not take the necessary precautions to prevent loss or damage
The complete list of exclusions can be found in the general terms and conditions.
What if …
- …there are tears in the walls of your home caused by a leak in your neighbours’ roof?
- …a passerby insists that they tripped on the tiles of the footpath leading into your garden?
In these cases, legal support and assistance are a necessity, and legal bills have been known to run high.
In the event of legal disputes regarding the rented building, 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?
- If you suffer loss due to somebody else’s fault, Defendo will assist you to ensure that you are compensated
- If you are suspected of a criminal offence, Defendo will provide for your criminal defence from the moment you come under suspicion
Defendo will cover the loss you suffer if it turns out the liable party is unable to pay.
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
The complete list of exclusions can be found in the general terms and conditions.
Cancelling a home insurance elsewhere can be a lot of hassle.
But at KBC Brussels, we make 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.
Based on your requirements, you can extend your cover to include the following types of insurance:
Garden insurance (not for flats)
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
- Spraying damage you did not cause yourself
- Vandalism and theft
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 and compensation for plants
Theft or attempted theft is covered only if your garden is part of your main residence.
If damaged trees, hedges or other plants need replacing, we will replace them 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 per claim is 60 000 euros.
Swimming pool insurance (not for flats)
We cover damage to your swimming pool and its accessories.
What is insured?
- 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, including against theft. This means we fully compensate any loss and/or damage.
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 decontamination insurance (not for flats)
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
Questions about your Home Insurance?
Don’t hesitate to contact our Insurance Expert via KBC Brussels Live or schedule an appointment with your bank branch or insurance agent.
Good to know
KBC Home insurance for landlords may include one or more of the following types of cover: home insurance, home contents insurance, theft insurance for home contents, garden insurance, swimming pool insurance, soil decontamination insurance (property damage insurance), third-party liability insurance for buildings (third-party liability insurance), and legal assistance insurance for buildings (legal assistance insurance).
These types of cover are designed for owners who rent out their private home. 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 landlords.
KBC Home insurance for landlords 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