As a tenant, there is no obligation to get insured, at least in Brussels.
The capital is the only region in Belgium where this is not mandatory, unlike Wallonia or Flanders.
However, we strongly advise you to get one, whether it is for an apartment or a house. You never know ! 👀
⚠️ Please note that most Brussels landlords mention in their lease contracts that their tenants must have insurance.
Tenant’s home insurance provides coverage against potential accidents in your home, such as: flood, fire, glass breakage or damage to your belongings.
Yes, your landlord’s insurance only covers the building when his own liability is involved.
This means that if your belongings are damaged (furniture, personal objects, decoration or even pets), you will not be insured and therefore not reimbursed.
If you are responsible for some of the damage, the owner’s home insurance will not intervene either. Whether it’s for the building or for your belongings!
Your landlord’s insurance only covers damage to the building itself when the landlord is held responsible for it.
So you could end up paying a lot of money if you don’t have home insurance.
In order to be properly insured, it is essential to take out tenant’s liability insurance (also known as fire insurance, home insurance, or tenant’s insurance), one for your contents and, possibly, one for theft and vandalism.
Fortunately, Flora is here to simplify your task. We offer you an all-inclusive insurance: tenant’s liability and damage to home content insurance! Theft and vandalism are also covered, but as an option.
Our package is ideal for tenants in the capital to be well covered in case of problems. The little plus ? How to say… There are plenty of them!
Nothing could be easier, just go to this page and discover our offer in details. If you have a question, don’t hesitate to use our chat on the bottom right!
Insurance as it should be
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.