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A 100% digital insurance for home renters in Belgium

No paperwork👌

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Easy

You can forget the jargon of traditional insurers. At Flora, we speak the same language as you.
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Quick

Get your price in 10 seconds. Get your insurance in 2 minutes. Get your money back as soon as possible.
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Clear

Our offer is transparent, complete and without small print. You know why you are insured.
Assurance locataire en ligne expatrié français

The perfect insurance for expatriates 🇧🇪

With Flora, you can take out your insurance online in just 2 minutes.

✅ No papers to sign
✅ No need to travel
✅ No need to provide your lease
✅ No need to have a bank account in Belgium
✅ No need to have a Belgian telephone number
✅ No need to establish your main residence in Belgium

PS: 15% of our clients are expatriates!

What is included and what is not included in our tenant insurance

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Civil liability for tenants

Fire, water damage or glass breakage that causes damage to the property of your landlord or others? Relax, you’re covered.

It’s covered! It’s covered!
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Damage to contents

Have your furniture or appliances been damaged in a fire or flood? Don’t worry, we’ll reimburse you.

It’s covered! It’s covered!
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Theft and vandalism

Worried about burglaries? Don’t stress – you can insure yourself against theft… and damage to your home.

Optional! Optional!

Note that there are cases where you are not covered: damage caused intentionally, damage to your car, damage to equipment for professional use, damage caused by condensation or scratches and chipping that are not considered glass breakage. Keen to find out more?

Wow, great deal 🔥

From
11,49 per month
(€138 per year)

Discover my price
A clear offer
Online contract
Monthly subscription

The insurance for those who have other things to do 

You can say “goodbye” to the paper work! How does it work? Check out this video👇

Payment by card (Visa or MasterCard) or direct debit. One-year contract (this is the law in 🇧🇪) but can be terminated without charge at the end of your lease. Are you moving? Adapt your contract directly in the app 😉

Insurance as it should be

And what if something goes wrong? 🤔

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No deductible

We intervene from €250 of damage for covered claims.
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Declaration by chat

Open the chat in the app and explain to Flora what happened.
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24/7 emergency assistance

Need immediate assistance? We will call you within 5 minutes to help you.
We do our best to help you as soon as possible

Infos and legal documents

The contract is concluded for a period of one year. Each year, this contract is automatically renewed on its anniversary date for successive periods of one year, unless it is cancelled by one of the parties at least 3 months before the contract anniversary date.

Before subscribing to Flora tenant insurance, carefully examine our guarantees and exclusions listed in the product information sheet and general conditions.

Flora Insurance is a registered trademark of Ethias SA. Ethias SA, 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 send us a letter to the e-mail address complaint@flora.insure or write to Flora Insurance, rue de Mulhouse 36 4020 Liège. If you are not satisfied, you can contact the Insurance Ombudsman (www.ombudsman.as), square de Meeûs 35, 1000 Brussels, Fax 02 547 59 75.

You can also file a complaint online on the European Commission’s ODR platform.

Expatrié français Belgique - assurance habitation en ligne

Flora is a brand from Ethias

You don’t know Ethias? Ethias is the number 3 insurer in Belgium.🥉

We are an autonomous team on a mission to change people’s perception of insurance.

The #TeamFlora therefore combines the experience and expertise of a large company with the flexibility and creativity of a startup. 🚀

Assurance expatrié français Belgique

The tenant insurance is mandatory in Belgium 🇧🇪

Have you found your accommodation in Belgium? Welcome to Belgium! ✌🏻

If you are moving to Wallonia or Flanders, rental insurance is a legal requirement. In Brussels, it is usually mentioned in the lease contract.

Don’t worry. You’re in the right place! We know that you have much better things to do than think about insurance: packing your boxes, saying goodbye to your loved ones, finding the best deals in the flat country… That’s why we at Flora have done everything we can to make your life easier.

Your tenant insurance in 2 minutes!

Get your price in 10 seconds. Receive your contract and proof of insurance in 2 minutes. It’s fast and without obligation.