As a renter, it is mandatory to take out a fire insurance in some regions of Belgium, namely Wallonia and Flanders 🇧🇪
In the capital city of Belgium, fire insurance is not compulsory, but we strongly recommend securing coverage. You can never predict what might happen!
Moreover, landlords in Brussels often ask their tenants to be insured. They even mention it in the lease contract. It is therefore a contractual obligation.
Fire insurance, also referred to as “renters insurance” or “home insurance“, covers your liability as a tenant in the event of fire, water damage, and glass breakage.
As an expatriate living in Belgium, you will need to comply with the law by obtaining fire insurance. This also applies to foreign students.
It is important, as a tenant, that you acquire your own renters insurance. This way, you can ensure that you are covered in all situations.
Securing a “Tenant’s Civil Liability” insurance, which is also recognized as home insurance or fire insurance, is necessary.
This basic coverage is mandatory in Belgium and covers your liability in case of an incident 🔥
You have the option to enhance your coverage with “Damage to Home Contents” and “Theft and Vandalism” insurance.
The realm of insurance can occasionally be challenging, particularly when you’re from a foreign country. But don’t worry!
Flora by Ethias has made things easier for you.
Flora’s renter insurance includes tenant’s civil liability and coverage to protect your belongings. You can then select additional options of your preference, such as family insurance or theft and vandalism coverage.
Our mission: to offer you comprehensive and cost-effective fire insurance:
This implies that we can provide insurance no matter where you are, which is pretty awesome 😎.
Whether you live in Brussels, in Wallonia or Flanders.
No problem! Simply visit this page and explore our detailed offerings.
The contract is concluded for a period of one year. Every year, this contract is automatically renewed on its expiry date for a subsequent period of one year, unless it is cancelled by one of the parties at least 3 months before the contract expiry date.
Before subscribing to Flora insurance, carefully check what is and is not covered in the product information sheet and the general terms and conditions. Flora Insurance is a registered trademark of Ethias SA. Ethias SA, with licence no. 196, rue des Croisiers 24, 4000 Liège, is an insurance company licensed in Belgium and subject to Belgian law. RPM Liège VAT BE 0404.484.654 – IBAN: BE72 0910 0078 4416 BIC: GKCCBEBB.
If you have a complaint, you can e-mail us at firstname.lastname@example.org or write to Flora Insurance, rue des Croisiers 24, 4000 Liège. If you are not satisfied with the proposed solution, you can contact the Insurance Ombudsman through the website www.ombudsman.as or by mail: email@example.com.
You can also file a complaint online on the ODR platform of the European Commission.