Fire insurance
With 95% of homeowners and 89% of tenants who have fire insurance this is the most popular coverage. And fortunately, because fire insurance protects you not only from the damage caused by fire, but also from storm, vandalism, snow, hail ... and even from floods and earthquakes. In addition, you can also make use of your fire insurance for damage caused to third parties. In this sense, it is referred to as a home insurance rather than a fire insurance. In this article, we're talking basically about fire insurance, but know that it's equivalent to home insurance.
No. Legally speaking, fire insurance is not compulsory insurance. There are however some situations where it is compulsory! Consider, for example, the owner who obliges his tenant to take out fire insurance. And did not your bank force you to take out fire insurance to get a mortgage?
In spite of the absence of a legal obligation, the conditions imposed by third parties (and common sense) nevertheless make that in Belgium a large majority of owners (approximately 95%) and tenants (89%) have insurance (see Assuralia, the professional union of insurance companies).
Attention: Compulsory fire insurance against bodily injury.
Following a gas explosion in Liège in 2010 that killed 14 people and after which it proved that neither the owner nor some tenants were insured, compulsory fire insurance for homes and commercial buildings was introduced in March 2010.
Note that the obligation here is not about fire insurance, but about including coverage that compensates third parties for bodily injury caused by a fire or explosion in your home. You can choose to include it either in your fire insurance or in your family insurance.
Which Fire Insurance Subscribe? By who ?
A distinction is made here between the owner of a dwelling and the tenant of a house, an apartment, a student's kot ... In both cases, you have everything to gain by protecting your own interests: as an owner, you take out fire insurance to preserve your property as a tenant, you do it to cover your liability and protect your property. Fire insurance also allows you to cover your liability to others.
Find all the information in our complete article: Subscribe a fire insurance
What coverage or warranties does a fire insurance policy offer?
Despite the non-compulsory nature of fire insurance, its content is largely defined by law. The different covers are divided into 3 categories:
Basic coverages for fire insurance
The law describes them as compulsory coverages: an enumeration of all the basic coverages of your fire insurance.
Additional coverages
They do not cover the damage itself, but the other costs related to a disaster. These include storage costs for your furniture and other goods during the reconstruction period, excavation and transport of the rubble ... For a complete list, see the supplementary coverages of the fire insurance
Optional or optional coverages
Finally, there are still additional optional coverages, such as flight insurance, insurance providing for an increase in compensation for indirect losses, etc.
Find out more about optional fire insurance coverages
Good to know !
The fire insurance companies fortunately protect us from a lot of damage due to (im) causes. But there are also situations in which an insurer can refuse to compensate you, on the grounds of poor property protection (eg, the absence of an alarm despite the prescribed conditions), the wear and tear of the goods that caused the damage (eg defective water pipe), ... So always check what a cover exactly! If necessary, get help from an independent insurance broker.
What factors determine the price of your fire insurance?
The price, or premium, of a fire insurance depends on several factors:
higher risk due to the use of certain materials
higher risk of burglary because the dwelling is in an isolated location
the differences in terms of hedges and indemnities paid between the various insurers
the optional covers you have chosen
the value of the house or apartment influences the amount of the premium
the amount of the
What is insurance?
Insurance is a protection in the event of a problem, such as a fire, theft, or accident. This requires paying an annual amount (= the insurance premium) to a recognized insurance company
Insurance premiums are used to cover expenses incurred in the event of a problem. They are used to protect people in the event something happens. This is a precaution: premium money is not refunded if nothing happens.
What is fire insurance or home insurance?
Fire or house insurance is a protection against the consequences of a fire or a "natural disaster" (flood, storm, lightning, earthquake, landslide and slump, overflow and backflow of public sewers etc. ).
Why fire insurance?
A fire soon arrived: a fryer that ignited, a cigarette or a forgotten candle, etc.
The fire can destroy the tenant's dwelling, his furniture, his personal belongings. It can also destroy nearby homes and injure people. The insurance then covers the damage according to the responsibilities of each.
Warning warning; a number of damages are generally excluded:
claims caused intentionally by the policyholder and / or persons living at home;
damages caused by insured persons who are intoxicated or a similar condition resulting from the use of products other than alcoholic beverages;
Who is responsible?
The tenant is responsible for the fire that occurs in his dwelling, unless he can prove that he did not cause it.
He must therefore pay all the damages caused by the fire (furniture, repairs or reconstruction (part of) the dwelling or the building, hospital expenses ...) for himself and for other victims possibilities (neighbors ...)
These are often very important sums! Therefore, if people are not insured, they risk being indebted for life because of all the costs they will have to repay!
Before signing an insurance contract
You have to choose your company and compare the contracts: what are the risks covered by the insurance (fire, water damage, natural disasters, etc.)? What are the insured amounts? What are the premiums to pay?
Not all companies and insurance are identical!
It is advisable never to take out insurance with persons who do door-to-door.
Is fire insurance compulsory?
Fire insurance is not made mandatory by law, but it becomes so if the lease requires it.
But even if this is not explicitly provided for in the lease, fire insurance is essential in view of the problems the tenant may face if he is not insured.
By insuring a fire insurance, the tenant insures:
its responsibility for housing and its contents;
civil liability (damage to injured persons);
its own furniture.
The owner, for his part, insures his building (the building) and his responsibility towards the others.
Ensure for which values?
The tenant:
must ensure at least for the real value of the dwelling;
can insure for the value to nine of its furniture, clothes, etc.
The owner:
must ensure for the value of reconstruction to nine of the building.
Warning warning; the insurance premium paid depends on the value of the assets to be insured. However, it is important not to underestimate the value of the assets to be insured in order to pay for a cheaper insurance premium. In case of damage, the tenant will only be reimbursed on the basis of the declared value and not the actual value.
With 95% of homeowners and 89% of tenants who have fire insurance this is the most popular coverage. And fortunately, because fire insurance protects you not only from the damage caused by fire, but also from storm, vandalism, snow, hail ... and even from floods and earthquakes. In addition, you can also make use of your fire insurance for damage caused to third parties. In this sense, it is referred to as a home insurance rather than a fire insurance. In this article, we're talking basically about fire insurance, but know that it's equivalent to home insurance.
No. Legally speaking, fire insurance is not compulsory insurance. There are however some situations where it is compulsory! Consider, for example, the owner who obliges his tenant to take out fire insurance. And did not your bank force you to take out fire insurance to get a mortgage?
In spite of the absence of a legal obligation, the conditions imposed by third parties (and common sense) nevertheless make that in Belgium a large majority of owners (approximately 95%) and tenants (89%) have insurance (see Assuralia, the professional union of insurance companies).
Attention: Compulsory fire insurance against bodily injury.
Following a gas explosion in Liège in 2010 that killed 14 people and after which it proved that neither the owner nor some tenants were insured, compulsory fire insurance for homes and commercial buildings was introduced in March 2010.
Note that the obligation here is not about fire insurance, but about including coverage that compensates third parties for bodily injury caused by a fire or explosion in your home. You can choose to include it either in your fire insurance or in your family insurance.
Which Fire Insurance Subscribe? By who ?
A distinction is made here between the owner of a dwelling and the tenant of a house, an apartment, a student's kot ... In both cases, you have everything to gain by protecting your own interests: as an owner, you take out fire insurance to preserve your property as a tenant, you do it to cover your liability and protect your property. Fire insurance also allows you to cover your liability to others.
Find all the information in our complete article: Subscribe a fire insurance
What coverage or warranties does a fire insurance policy offer?
Despite the non-compulsory nature of fire insurance, its content is largely defined by law. The different covers are divided into 3 categories:
Basic coverages for fire insurance
The law describes them as compulsory coverages: an enumeration of all the basic coverages of your fire insurance.
Additional coverages
They do not cover the damage itself, but the other costs related to a disaster. These include storage costs for your furniture and other goods during the reconstruction period, excavation and transport of the rubble ... For a complete list, see the supplementary coverages of the fire insurance
Optional or optional coverages
Finally, there are still additional optional coverages, such as flight insurance, insurance providing for an increase in compensation for indirect losses, etc.
Find out more about optional fire insurance coverages
Good to know !
The fire insurance companies fortunately protect us from a lot of damage due to (im) causes. But there are also situations in which an insurer can refuse to compensate you, on the grounds of poor property protection (eg, the absence of an alarm despite the prescribed conditions), the wear and tear of the goods that caused the damage (eg defective water pipe), ... So always check what a cover exactly! If necessary, get help from an independent insurance broker.
What factors determine the price of your fire insurance?
The price, or premium, of a fire insurance depends on several factors:
higher risk due to the use of certain materials
higher risk of burglary because the dwelling is in an isolated location
the differences in terms of hedges and indemnities paid between the various insurers
the optional covers you have chosen
the value of the house or apartment influences the amount of the premium
the amount of the
What is insurance?
Insurance is a protection in the event of a problem, such as a fire, theft, or accident. This requires paying an annual amount (= the insurance premium) to a recognized insurance company
Insurance premiums are used to cover expenses incurred in the event of a problem. They are used to protect people in the event something happens. This is a precaution: premium money is not refunded if nothing happens.
What is fire insurance or home insurance?
Fire or house insurance is a protection against the consequences of a fire or a "natural disaster" (flood, storm, lightning, earthquake, landslide and slump, overflow and backflow of public sewers etc. ).
Why fire insurance?
A fire soon arrived: a fryer that ignited, a cigarette or a forgotten candle, etc.
The fire can destroy the tenant's dwelling, his furniture, his personal belongings. It can also destroy nearby homes and injure people. The insurance then covers the damage according to the responsibilities of each.
Warning warning; a number of damages are generally excluded:
claims caused intentionally by the policyholder and / or persons living at home;
damages caused by insured persons who are intoxicated or a similar condition resulting from the use of products other than alcoholic beverages;
Who is responsible?
The tenant is responsible for the fire that occurs in his dwelling, unless he can prove that he did not cause it.
He must therefore pay all the damages caused by the fire (furniture, repairs or reconstruction (part of) the dwelling or the building, hospital expenses ...) for himself and for other victims possibilities (neighbors ...)
These are often very important sums! Therefore, if people are not insured, they risk being indebted for life because of all the costs they will have to repay!
Before signing an insurance contract
You have to choose your company and compare the contracts: what are the risks covered by the insurance (fire, water damage, natural disasters, etc.)? What are the insured amounts? What are the premiums to pay?
Not all companies and insurance are identical!
It is advisable never to take out insurance with persons who do door-to-door.
Is fire insurance compulsory?
Fire insurance is not made mandatory by law, but it becomes so if the lease requires it.
But even if this is not explicitly provided for in the lease, fire insurance is essential in view of the problems the tenant may face if he is not insured.
By insuring a fire insurance, the tenant insures:
its responsibility for housing and its contents;
civil liability (damage to injured persons);
its own furniture.
The owner, for his part, insures his building (the building) and his responsibility towards the others.
Ensure for which values?
The tenant:
must ensure at least for the real value of the dwelling;
can insure for the value to nine of its furniture, clothes, etc.
The owner:
must ensure for the value of reconstruction to nine of the building.
Warning warning; the insurance premium paid depends on the value of the assets to be insured. However, it is important not to underestimate the value of the assets to be insured in order to pay for a cheaper insurance premium. In case of damage, the tenant will only be reimbursed on the basis of the declared value and not the actual value.
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