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Home Protect Insurance administered by Qover and insured by Baloise

Home insurance for shared apartments

Get 15% off with promo code*: HOME2021

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

Get your fire insurance in just a few clicks
Adapted to your lease, whether individual or collective
Complete and customizable coverages

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3 reasons to choose for Immoweb Protect roommates’ insurance

Fire insurance for 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.

Adapted to your lease

Depending on your contract, you can choose to buy one insurance for the entire shared apartment or one insurance per tenant. The total cost will remain the same!

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. We are available by chat, call or email to answer your questions.

Complete and customizable coverages

No stress, among the covers of our fire insurance (fire, water damage, broken glass etc.), everything is covered except what is clearly excluded. 🤗

We support you in the follow-up of your claim and we have Assistance that can help you 24/7 for urgent matters

Coverages in details
Calculate your price

Subscribe to your fire insurance in less than 3 minutes and from 7 euros / month for the entire shared apartment

1

Calculate your price

The price is calculated based your postal code and your rent

2

Add options if needed

Content, theft, civil liability family, bicycle, ...? Find out about the coverages and exclusions and add options according to your needs

3

Confirm & Pay

By direct debit or credit card

What is always covered at Immoweb Home Protect Insurance by Baloise?

Within our fire insurance coverages, everything is covered except what is clearly excluded. There are no hidden conditions. What is not mentioned in the general conditions is automatically covered.

Assistance 24h/7
Exclusive service

You have damage that is insured in your contract and you urgently need help? Then contact the assistance.

What is included in your assistance 24h/7 ?

  • Request information from our information service
  • Help for small services or work
  • Help for your central heating system or central water heater
  • Assistance after a disaster, including:
    • A replacement car
    • An ambulance to the hospital
    • The home helper
    • The adoption of emergency measures
    • Moving your furniture
    • Monitoring
    • Cleaning service
    • The care of children or disabled persons
    • The reception of dogs and cats
    • Returning home earlier
    • Sending urgent messages
    • The search for a hotel room
  • Your keys are lost or your lock is unusable
  • Assistance in the event of an accident in the insured building
Fire and other damages
We pay for the damaged due to fire when you are responsible :
  • Getting distracted while cooking and causing a fire? You're covered!
  • You fall asleep when you are smoking and this triggers a fire. We pay for the damage to the building and, if you are insured, for the damage to your content.
  • You get covered as well if during your romantic dinner one of the candles starts a fire.
See the complete list of coverage in our General conditions and feel free to contact us if you have questions.
Damage due to electricity overload
  • If you overload a power point and some damages are caused to the building due to the surcharge you are covered with us.
  • We will cover the costs of investigating the cause of the damage.
  • You get covered as well if during your romantic dinner one of the candles starts a fire.
See the complete list of coverage in our General conditions and feel free to contact us if you have questions.
Damage smoke and soot home insurance
Damage caused by smoke and soot
Material damage from smoke and soot caused by a sudden, unexpected event for which you are responsible.
  • We will compensate for the cleaning of every surface.
See the complete list of coverage in our General conditions and feel free to contact us if you have questions.
Water/oil damage and infiltration
Damage caused to the building by water or fuel oil for which you are responsible.
  • You launched the washing machine in the evening and the next day you have the floor overflood with water because of a leak, the damages linked to this leak will be reimbursed.
  • You got distracted and forgot to turn off the water of your bath and it overflows, we will pay for the damages and for those at your neighbours.
  • There is damage to the parquet in the living room caused by a crack in your aquarium. This damage will be reimbursed.
See the complete list of coverage in our General conditions and feel free to contact us if you have questions.
Relocation indemnity home insurance
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 in accordance with the law applicable to the rental agreement of the main residence.

The coverage is applicable if the rental agreement has been terminated for one of the following reasons :
  • Death of a cohabiting family member.
  • When you have to take care of a family member, living more than 50 km from your current home.
  • Divorce / separation in case of legal cohabitation.
  • Professional transfer abroad or acceptance of a job more than 100 km from your current home
Our intervention is limited to 3 monthly rents per insured year.
Glass break or screen break
  • You’ll get paid for the damage to the insured glass when it breaks or bursts.
See the complete list of coverage in our General conditions and feel free to contact us if you have questions.

Available options

Family civil liability
Popular
This coverage pays for damage to third parties caused by you and the people who share your home.

We do not pay for the damage where you are contractually liable.

If you are under 18 years old and cause damage due to serious misconduct (for example drunkenness) and you are responsible? Then we reserve the right to recover the expenses from you.
Material damages to your content
Popular
Material damage to your personal belongings.
Protection against theft and vandalism
Cover your content in case of theft or vandalism. You can choose to cover it at 100% or 50%.
Legal protection home insurance
Legal protection after fire and related perils
Euromex protects you against unexpected expenses in a legal dispute.

It concerns, among other things :
- disputes with the fire insurer (difference in opinion with regards to the application of the insurance conditions) ;
- claims to compensate for incidental damage to your content caused by a third party ;
- compensation for material damage this is indisputable and caused by a third party who is insolvent,…
See the complete list of coverage in our General conditions and feel free to contact us if you have questions.
Bike
Material damage to the bike or theft of the bike.

Exclusions

Natural disasters

The insurance tenant liability does not cover any damage to the building caused by natural disasters (rain floods, subsidence, earthquakes, landslides etc.). If you chose the option ‘content’ in the next step, then we will still pay for the damage to your content.

See the complete list of exclusions in our General conditions and feel free to contact us if you have questions.
Damage caused by environmental pollution

We do not cover damage caused by environmental pollution (air, water, and soil). For example, the damages to the environment followed by a flow of fuel oil from an installation that does not meet legal requirements.

See the complete list of exclusions in our General conditions and feel free to contact us if you have questions.
Damage caused by asbestos

We do not cover damage resulting directly or indirectly from asbestos and/or its harmful characteristics, as well as any other material containing asbestos in any form whatsoever.

See the complete list of exclusions in our General conditions and feel free to contact us if you have questions.
Deliberate damage by an insured

For example, if you intentionally set your home on fire, we will not cover any damage. Or if you intentionally break your television screen, we will not cover it.

See the complete list of exclusions in our General conditions and feel free to contact us if you have questions.
Damage caused by the police, the army or war.

Damage caused as a result of war or similar events and civil war is not covered.

See the complete list of exclusions in our General conditions and feel free to contact us if you have questions.

To have the full list of exclusions, you can read:

Terms and conditions
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