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Home Protect Insurance administered by Qover and insured by Baloise

Home insurance
for expats

Get 15% off with promo code*: HOME2021

*Action is valid from 01/09/21 to 30/09/21 inclusive, on the 1st year premium.

Home Protect is an insurance that allows you to cover the home you are renting and your goods in case of damage.

Are you homeowner? Click here.

Home insurance in Belgium

What does home insurance stand for?
In Belgium you might see different terms for a rented property insurance such as "fire insurance", "home insurance" and "rental liability".
This might be confusing but in reality, all those 3 stands for the same. Nowadays it tends to be referred to as "home insurance" as it covers far more than fire alone.
What is Belgium's regulation regarding home insurance?
Fire insurance for renters (or co-renters) is compulsory in Wallonia and Flanders*.
In Brussels, it is generally requested by the owner. 

* Wallonia: Fire damage guarantee is compulsory.
* Flanders: Fire and water damage guarantees are compulsory.

What does a home insurance cover?
Unlike some other countries, Belgium’s home insurances are much more customizable. The basic coverage includes a large amount of your needs such as 24/7 assistance, water damage, fire damage... However, if you want to cover your personal belongings or the damages that you may cause to tiers in your private life, you need to take out those as options.

5 reasons to choose Immoweb Protect home insurance

Adapted to flat share

Are you living in a flat share? Depending on your contract, you can choose to buy one insurance for the entire shared apartment or one insurance per tenant.
> More information on our "Flatmate" page.

100% online and quick

Everything happens online. From the price simulation to the subscription including the claim reporting. Subscribe today and get insured as of tomorrow. Benefit from the simplicity of digital while keeping a human service.

Multilingual customer service

Our customer service can support you and answer any questions regarding the product or claims in French, English, Dutch, Spanish and Italian.

  • For French, English or Dutch, please contact Qover at +3225882550.
  • For Spanish or Italian, please contact Qover at +3228083652 and request the one that you would like to get help in.

Relocation indemnity

If as a tenant you are obliged to leave your apartment or home before the end of the rental agreement, we will, under certain conditions, pay the penalties that you must pay to the owner (examples: following a death, a divorce, a new job abroad...).

Complete and customizable coverages

No need to stress, among our home insurance basic coverages (fire, water damage, glass breakage etc.), everything is covered, except what is clearly excluded. Then, you only take out the options you need.

We support you in the follow-up of your claim. For urgent matters, you can reach Europe assistance 24/7.

> Coverages in details
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What is covered by Home Protect?

We cover damage caused by :

  • fire, electricity, lightning, explosion, contact …
  • water and fuel
  • storm or natural disasters
  • glass breakage
  • your goods to third parties

The cover also includes a "All Risks Computer" coverage (if your content is insured), a relocation indemnity under certain conditions and 24-hour assistance.

Possible options : theft, legal protection, family civil liability or extended coverage for your property.

We don't cover damage caused :

  • to a property not covered by the contract
  • intentionally
  • by natural disasters on the building rented (however, if your content is covered, we will still pay in case of natural disasters)
  • by environmental pollution
  • by asbsestos
  • by the police, the army or war
See the full list of exclusions in our general conditions.

This is a brief overview of the main coverages and exclusions of Home Protect. For more details, see the "Coverage" page or consult the product information document and general conditions. It is necessary to read these documents before subscribing to the Home Protect product.

Coverage in detail
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Adapted to individual and collective leases
Complete and customizable coverages
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