Which home insurance for renters in Brussels?
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.
Why take out a home insurance in Brussels?
Tenant’s home insurance provides coverage against potential accidents in your home, such as: flood, fire, glass breakage or damage to your belongings.
Do I need an insurance if my landlord is insured?
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.
Even worse!
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.
