Your property owner’s Home Protect Insurance in detail

Home Protect insurance includes sound basic cover and a series of extensions that you are free to add depending on your individual needs.

What do we cover?

You choose the items to be covered depending on your situation :
  • Your dwelling, house or apartment at the address indicated
  • Your embellishments, if your apartment is already covered by the co-ownership insurance and you wish to cover improvements you have made to the apartment
  • Your content, which include your home furnishings (objects, furniture, equipment, etc.)
The coverage indicated below will therefore apply to the building and/or the content covered in your contract.

Your basic coverage

Take advantage of the ‘everything is covered except for what is excluded’ principle
Fire damage home insurance
Fire and other perils
In addition to indemnifying you for material damage caused to insured items in the case of fire, we also pay for damage caused by :
  • smoke or soot
  • explosion or implosion
  • lightning
  • electricity such as a short circuit
  • a change in temperature such as food in your freezer defrosting
  • impact (example: by an animal, a vehicle, a third party, a tree)
  • burglary, attempted burglary or partial theft of the insured building, or even vandalism or emergency services
  • a labour dispute or an attack
  • terrorism
As well as :
  • costs for trying to find a gas leak
ExAmples:
You are covered for damage to insured risks in the following situations :
  • You forgot your pan on the hob, fire spread and set your kitchen on fire
  • Your child knocked over a candle, or you fell asleep with a cigarette in your hand and fire spread
  • A thief tried to break into your house and damaged your windows
  • Your house was damaged after a nearby tree fell on it or a car ran into it
  • Lightning damaged your television or your washing machine
You are not covered in the following situations :
  • Smoke from your fireplace caused damage to your belongings
  • Damage that you caused: you bumped into your dresser and broke all of your crockery (in the case of content insurance)
  • You have had damage by breaking and entering because your property is poorly maintained or unoccupied for more than 120 days per year
Anything that is not excluded in the general conditions is covered. See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.
Water or fuel oil damage
We will indemnify you for material damage caused by water and fuel oil but also for the cost of finding the leak (including opening/closing to find the leak even if the incident is not covered) and the cost of repairs to the part of the pipe that caused the leak.
ExAmples:
You are covered for damage to insured risks in the following situations :
  • Following heavy rain, water has seeped in through your roof
  • Your washing machine has leaked causing damage to your floor
  • A pipe has burst in your bathroom, which, in addition to causing damage to your ceiling, has caused dry rot
  • Your tap was left running and caused the bath to overflow
  • Despite a standard inspection, your fuel oil tank has leaked and fuel oil has spread, polluting your land
You are not covered in the following situations :
  • Damage caused through a lack of maintenance
  • You did not take the necessary precautions to prevent your pipes from freezing
  • The fuel oil installation that caused the damage does not meet legal requirements
Anything that is not excluded in the general conditions is covered. See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.
Storm, hail and the weight of snow
We will indemnify you for material damage caused by a storm, hail and the weight of snow and ice. We even intervene for your solar panels and up to €4,400 (Abex: 847) for all of your garden furniture (if your content is insured). For winds to be considered as a storm, they must be above 80 km/h or cause similar damage in a radius of 10 km from your home.
ExAmples:
You are covered for damage to insured risks in the following situations :
  • During a storm, part of your roof was blown off, also damaging your solar panels
  • Your greenhouse collapsed under the weight of the snow and also caused damage to your interior
  • Hail ripped your swimming pool cover and damaged your garden furniture. We will intervene up to €4,400 overall if your content is insured
You are not covered in the following situations :
  • Your ping pong table or your trampoline was blown away during a storm and has been damaged
  • Strong winds under 80 km/h have not caused other damage in the neighbourhood
  • Damage to your building or part of the building that was already dilapidated
  • Harm to pets that were left outside
Anything that is not excluded in the general conditions is covered. See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any questions.
Natural disasters
We will indemnify you for material damage caused by a natural disaster, that is to say flooding, public sewer overflow or backup, earthquake, landslide or land subsidence.We even intervene for your solar panels and up to €4,400 (Abex: 847) for all of your garden furniture (if your content is insured).
ExAmples:
You are covered for damage to insured risks in the following situations :
  • Your house has been flooded after a river burst its banks
  • Following heavy rain, part of your land has subsided causing damage to your terrace and your garden shed
  • An earthquake has caused cracks all over your building
You are not covered in the following situations :
  • Damage caused to the ground
  • Damage caused to swimming pools, jacuzzi and tennis courts
  • Harm to animals that were left outside
Anything that is not excluded in the general conditions is covered. See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.
Glass breakage
We will indemnify you if your windows are broken or cracked.You will also be covered for :
  • your ceramic or glass hob and solar panels as well as mirrors, screens and furniture with glass if you have insured your content
  • damage to the window frames and sills of damaged windows
  • the cost of replacing protective film, detectors mounted on the glass or decorations
ExAmples:
You are covered for damage to insured risks in the following situations :
  • The glass of your window is cracked
  • You dropped your pan and damaged your ceramic hob
  • Your child broke the television screen when playing with a ball
You are not covered in the following situations :
  • Damage to tablet screens or small hand-held devices (smartphone, camera, GPS device)
  • Cosmetic damage such as scratches
  • Damage to objects before they are placed, dismantled or moved
Anything that is not excluded in the general conditions is covered. See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.
Building Liability
Has your building and/or your insured content caused damage to a third party ? We will indemnify them if you are liable or if an insured incident has spread to the neighbourhood.
ExAmples:
You are covered for damage to third parties in the following situations :
  • The fire at your home has spread to your neighbour's property
  • Your tree fell on the neighbouring house
  • Part of your roof was blown off and harmed a passer-by
  • A passer-by slips and breaks their leg on your pavement that was not cleared of snow
  • Your mirror comes unhooked and injures your guest
You are not covered in the following situations :
  • Damage caused by your vehicles
  • Damage caused by a defect that you were aware of
  • Damage caused by the dilapidated state of your home
Anything that is not excluded in the general conditions is covered. See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.
All Risks Computer
Was your computer damaged by accident ? We will indemnify you up to €4,400 (Abex: 847) as well as for any damage caused to your screen, keyboard or mouse. Does your software need to be reinstalled or replaced following an accident ? We will also intervene up to €1,875 (Abex: 847)
ExAmples:
You are covered for damage to insured risks in the following situations :
  • You spilt your coffee on your computer and it no longer works
  • Your child threw a ball at your desk and damaged your computer and your screen
You are not covered in the following situations :
  • For damage caused outside of the insured address, including theft and vandalism
  • For damage to data, lost information or to other storage devices (USB stick, hard drive, etc.)
  • For cosmetic damage
Anything that is not excluded in the general conditions is covered. See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.

Your automatically included additional advantages

24-hour assistance
Do you have insured damages in your policy and need urgent help ? Then contact the support service on +32 3 870 95 70.
WHAT IS INCLUDED IN 24/7 SUPPORT ?
Support to help you on a daily basis even without an accident :
  • Do you need the details for a professional or a service ? Contact our information service.
  • Do you need help for small services or jobs ? We will put you in touch with a technician or professional who can help you.
  • Is your central heating system or water boiler out of order despite regular maintenance ? Within 24 hours, we will send you someone to take care of the urgent repairs and pay up to €400 of the cost (with a maximum of €100 for spare parts).
  • Are you locked out of your home ? We will send a locksmith to open your door.
Is your accident covered by your policy ? You are entitled to additional support:
  • Do you need help after an insured accident ? Depending on the type of support you need, we will help you take urgent measures such as providing transport (replacement vehicle, ambulance, return from abroad), home help or a home care service, a cleaning or monitoring service, help with your moving costs or to find a hotel room.
  • Have you been injured in an insured accident ? We will help you with transport to the hospital, with looking after your children and animals and finding a home help.
These coverages are subject to claim limits and coverage conditions. Please see the general conditions.
Tenant damage to your home
Do you let rooms to third parties (no students and two rooms at most) in your home or does a third party occupy your home when you are absent ? We will pay for material damages that they may have caused to your insured belongings.
ExAmples:
You are covered for damage to insured risks in the following situations :
  • Your housekeeper damaged your television during your absence
  • A tourist occupies a room in your house and causes a fire by falling asleep with a cigarette
You are not covered in the following situations :
  • You are absent from your home more than 120 days per year
  • Your rooms or studio are rented by a student
These coverages are subject to claim limits and coverage conditions. Please see the general conditions.

Your optional coverages

Protection against theft and vandalism
In option
We will indemnify you for material damage caused by theft, attempted theft and vandalism, but also for your stolen objects if you have insured your content. You are also covered throughout the world in the case of violent robbery or threats to you, but also in the case of loss or theft of your keys in order to replace your locks.
ExAmples:
You are covered for damage to insured risks in the following situations :
  • A burgler has broken your window frame and stolen your electrical appliances and jewellery
  • You have lost your keys and would like to replace your locks as a precaution
  • You were assaulted on the street and your bag containing your smartphone, cash, but also jewellery was stolen (if you have insured your content and within the limits of the claim limit)
You are not covered in the following situations :
  • Theft via cybercrime or through excessive use of your credit cards
  • The theft of content if your home has not been occupied for more than 120 days over the last 12 months
  • Furniture that is outside with the exception of some objects such as garden furniture
  • You have not complied with precautionary measures such as locking your doors
Don’t forget to report the incident to the police within 24 hours and submit a claim to us within 48 hours to be covered.
Anything that is not excluded in the general conditions is covered. See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.
Surround package - Additional protection for your garden, swimming pool, jewellery, tablets and vehicles
In option
Thanks to Surround package, you can improve the coverage of your insured risks and compensate for some exclusions. These extensions mainly concern the coverage for your garden, your swimming pool, objects that are outside, tablets, jewellery and also motor vehicles.
You are also covered for damage to the following insured risks:
  • To objects that are not fixed outside in the case of a storm, hail or the weight of snow and ice, natural disasters, theft (example, garden robot, trampoline, ping pong table) ;
  • To your garden, by an ‘uninvited’ animal or up to €18,600 for the costs of restoring your garden following an insured incident (e.g. a tree uprooted by a storm) ;
  • To your swimming pool, jacuzzi or tennis court (permanently fixed to the ground) in the case of natural disasters (example: damage caused by a flood or land subsidence or in the case of flowing water or pollution following an insured incident (example: leaves and branches that fall in your jacuzzi during a storm) ;
  • To your tablet or laptop with a detachable screen with the All Risks Computer coverage ;
  • For the theft of jewellery up to €30,000 ;
  • To motor vehicles in certain situations such as fire, storm or natural disaster (up to the claim limit and within the conditions outlined in the general conditions).
See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.
Pack Family Insurance
In option
This pack includes :
  • Family Civil liability
  • Bicycle assistance
  • Legal protection for private life
Thanks to this pack, we will pay for damages that you, members of your family or your pets cause to third parties during your private activities for which you are liable (as well as under certain conditions for damage to items that you hire or borrow). We have also included legal protection to defend you if you are the victim of damage in your private life (outside of any contract) and you wish to claim compensation. We will do all we can to recover your loss from the person responsible and will pay your lawyer’s fees and expenses if necessary.
Bonus : Get assistance if your pedal bicycle can no longer be used and you need help. Transport, replacement bicycle, opening your padlock, troubleshooting, we’ll be there to help.
ExAmples FOR THE "FAMILY CIVIL LIABILITY" COVERAGE :
You are covered for damage caused in the following situations :
  • Your dog broke free and knocked over a child on a bike
  • One of your appliances overheated and started a fire in your holiday home
  • You skidded while on your bike and damaged a parked car
You are not covered in the following situations :
  • For damage caused by your wild animals
  • If you are bound by a contract (except in certain conditions for hired or borrowed items)
  • For intentional damage
ExAmples FOR THE "BICYCLE ASSISTANCE" coverage :
You are covered in the following situations:
  • During a bike ride with the family, you get a puncture and need help to repair your tyre. We will send a technician.
  • You leave work to cycle home and you discover that your bicycle has been stolen despite anti-theft devices. We will pay your travel expenses up to €200 for you to go and pick up your child from the crĂšche and return home.
  • You are out cycling with friends and you fall in a bend and your bicycle can no longer be used. Your bicycle will be taken for repair and you will be taken home.
You are not covered in the following situations :
  • Assistance less than 1 km from your home or more than 30 km from the Belgian border
  • You cycled home after a night out drinking. Your state caused you to lose your balance and the fall means your bicycle can no longer be used
  • The bicycle can still be used or is not on the public road
ExAmples FOR THE "LEGAL Protection FOR PRIVATE LIFE"COVERAGE :
You are covered in the following situations :
  • While out cycling, you are knocked over by a car
  • Your child has been bitten by a dog and needed stitches
  • You have been assaulted and harassed by an unidentified person
  • You are regularly subject to nighttime noise caused by your neighbour’s endless partying
You are not covered in the following situations :
  • Disputes relating to a contract such as a purchase, a rental, services, etc.
  • Disputes relating to your professional activity
  • Disputes relating to a car of which you are the owner, driver or custodian
See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.
Legal Protection for home
IN option
Defend your rights if your home has been damaged by a third party (outside of any contract), if you are accused of an infringement or if you contest the compensation offered by your home insurance and want to appoint your own expert. We will do all we can to defend you and will pay the fees for your lawyer or expert if necessary.
You are covered for damage caused in the following situations :
  • Your house was completely burnt down and the compensation offered by your home insurance seems far too low
  • Following works in the street, your walls are now cracked
You are not covered in the following situations :
  • Disputes that concern a contract: trade, energy supplier, contractor
  • Your criminal defence for crimes committed or intentional offences
See the full list of coverages, limitations and exclusions in our general conditions. Don’t hesitate to contact us if you have any question.

General exclusions

  • Damage that you caused deliberately
  • Damage caused by mould, spores, fungi, insects and pests (except for dry rot under certain conditions (see Water Damage coverage))
  • Damage caused by environmental pollution
  • Damage when you do not comply with mandatory measures
  • Damage due to your failure to repair the cause of a previous claim
This list includes some of the exclusions that apply.
To see the full list of exclusions, consult: :
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