{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"cards":[{"body":"Why is having adequate insurance more important today than in the past and how can you be sure you aren’t underinsured?","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-04-29","image":{"extension":"jpg","original":"https://assets.ing.com/asset/ecb4acda-9831-49e1-94ee-b4b6a9703569/Artikel-verzekering-zelfstandigen.jpg","transformBaseUrl":"https://assets.ing.com/transform/ecb4acda-9831-49e1-94ee-b4b6a9703569/Artikel-verzekering-zelfstandigen","type":"image","width":806},"link":{"url":"/en/business/insurance/insurance-for-the-self-employed"},"title":"Which insurance cover should I have in 2026 as a self-employed person?"}],"componentType":"cards"}]},"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Protect your building with ING Fire Insurance for buildings with more than three units or mixed use. Choose Buildimo, Buildimax or All Risk cover.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Everything you need, clearly covered"},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"svg","original":"https://assets.ing.com/m/66161b373bf31d6c/original/housewithgreennopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/bee941ee-4a51-43e1-b7c7-8ba7198c961e/housewithgreennopadding","type":"image","width":0},"items":[{"body":"This insurance protects the structure of your building against risks such as fire, explosion, glass breakage and natural disasters. It is intended for buildings with more than three residential units, as well as mixed‑use buildings combining housing with offices or commercial activities. The building may have one or several owners.","title":"Protection tailored to your building"},{"body":"You can choose between three protection formulas, depending on the size, finish and use of your building. Buildimo is a solid basic solution for smaller buildings with a simple finish and offers essential coverage with a strong price‑quality balance. Buildimax is designed for recently built or renovated buildings and provides broader cover with higher benefit limits. Buildimax All Risk is intended for large, modern buildings and offers the most extensive protection, except for specific exclusions, with higher intervention limits.","title":"Three formulas, depending on your building"},{"body":"With AXA’s assistance services, you benefit from day‑and‑night support, a fast damage evaluation and efficient claim settlement. This helps reduce the impact of an incident and protects the long‑term value of your property.","title":"Support when it matters most"}]},{"componentType":"sectionTitle","title":"Answers to help you decide"},{"accordionList":[{"richBody":{"value":"<p>AXA Confort Spéciale Habitation (Buildimo, Buildimax or Buildimax All Risk) is a fire insurance for buildings with more than three residential units or for mixed‑use buildings with residential, office or commercial activities. The building can have one owner or several owners.</p>"},"title":"What is Fire Insurance for Buildings?"},{"richBody":{"value":"<p>This insurance can be taken out by <strong>natural persons and legal persons</strong> who own or co‑own the insured building.</p>"},"title":"Who is this insurance intended for?"},{"richBody":{"value":"<p>The contract is concluded for a <strong>period of one year</strong> and is <strong>automatically renewed</strong>, unless it is terminated <strong>no later than three months before</strong> the main due date.</p>"},"title":"How long does the contract last?"},{"richBody":{"value":"<p>All formulas cover the <strong>building itself</strong>, including basic risks such as fire, explosion, glass breakage and natural disasters.</p><p>Depending on the chosen formula, coverage may also include:</p><ul><li>Communal contents</li><li>Damage due to accidental contamination of swimming pools or jacuzzis</li><li>Damage to communal parts during move‑in or move‑out</li><li>Theft of communal contents</li><li>Replacement of keys and locks following theft</li></ul><p>Coverage increases from <strong>Buildimo</strong> to <strong>Buildimax All Risk</strong>.</p>"},"title":"What does the insurance cover?"},{"richBody":{"value":"<ul><li><strong>Buildimo</strong> suits smaller buildings with a simple finish.</li><li><strong>Buildimax</strong> is suitable for recently built or renovated buildings.</li><li><strong>Buildimax All Risk</strong> is intended for larger, high‑value buildings requiring extensive protection.</li></ul><p>Before subscribing, always consult the general conditions and the relevant information document:</p><p><a href=\"https://assets.ing.com/m/46c1522aec93208d/GTC-Buildimo-FR.pdf\">General conditions Buildimo</a></p><p><a href=\"https://assets.ing.com/m/aa4e0caf4f3d6e84/IPID-Buildimo-FR.pdf\">Information document Buildimo</a></p><p><a href=\"https://assets.ing.com/m/5841e324d5674654/GTC-Buildimax-FR.pdf\">General conditions Buildimax</a></p><p><a href=\"https://assets.ing.com/m/80da7e8a94a24bf8/IPID-Buildimax-FR.pdf\">Information document Buildimax</a></p><p><a href=\"https://assets.ing.com/m/66c562737b75342b/GTC-Buildimax-Premium-FR.pdf\">General conditions Buildimax All Risk</a></p><p><a href=\"https://assets.ing.com/m/06bdb5a4cbcb5410/IPID-Buildimax-premium-FR.pdf\">Information document Buildimax All Risk</a></p>"},"title":"How do I choose the right formula?"},{"richBody":{"value":"<p>Main exclusions include:</p><ul><li>Intentional damage caused by you or with your involvement</li><li>Buildings under construction, renovation or repair, unless occupied or normally inhabitable and linked to the works</li><li>Foreseeable damage such as stains or dents</li><li>Communal contents are <strong>not covered under the Buildimo formula</strong></li></ul><p>The full list of exclusions is available in the contractual documents.</p>"},"title":"What is not covered?"},{"richBody":{"value":"<p>To request a policy change, send an email describing your request to: <a href=\"mailto:building4axa@axa.be\"><strong>building4axa@axa.be</strong></a></p>"},"title":"How can I change my policy?"},{"richBody":{"value":"<p>You can rely on AXA’s assistance line and fast claims handling.</p><p>You can:</p><ul><li>Call <a href=\"tel:+32 2 550 05 55\"><strong>+32 2 550 05 55</strong></a> for assistance</li><li>Call <a href=\"tel:+32 2 464 64 04\"><strong>+32 2 464 64 04</strong></a> (select 4 for AXA, 1 for damage, 2 for business, 3 for building)</li><li>File your declaration by email at: <a href=\"mailto:claimsdeclaration@axa.be\"><strong>claimsdeclaration@axa.be</strong></a></li></ul><p> </p>"},"title":"How do I file a claim?"},{"richBody":{"value":"<p>If you are not entirely satisfied with the <strong>distribution of this product</strong>, ING’s <strong>Complaints Department</strong> and the <strong>Ombudsman</strong> are available to help. <a href=\"https://www.ing.be/en/individuals/services/complaint-handling\">File your complaint here</a>.</p><p>If your complaint concerns the <strong>AXA Confort Spéciale Habitation insurance</strong>, contact AXA directly: <a href=\"mailto:customer.protection@axa.be\"><strong>customer.protection@axa.be</strong></a></p><p>Your request will be handled according to the applicable complaint procedures.</p>"},"title":"What if I have a complaint or I’m not satisfied?"},{"richBody":{"value":"<p>Information about insurance policies and conflicts of interest is available:</p><ul><li>For <strong>ING Belgium nv</strong> (insurance intermediary) on <a href=\"https://www.ing.be/en/business\">ing.be</a><br />under Rates and Regulations &gt; Information and Regulations &gt; Insurance policies</li><li>For <strong>AXA Belgium</strong> (insurance company) on <a href=\"https://www.axa.be/fr/entrepreneurs-pmehuvw%3D&amp;reserved=0\">axa.be</a></li></ul>"},"title":"Where can I find legal and regulatory information?"}],"componentType":"accordion"},{"componentType":"cta","microCopy":"We’ll review your building and help you choose the formula that fits your property.","textLink":{"text":"Ready to protect your building?","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},{"componentType":"sectionTitle","title":"Services and contact"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/34fab1afc809844b/original/umbrella.svg","transformBaseUrl":"https://assets.ing.com/transform/2d4e4d8d-936e-4347-92f1-9d4e4c001936/umbrella","type":"image","width":160},"intro":"Report damage, change policy or download documents","link":{"url":"/en/business/services/my-business-insurances"},"title":"Insurances"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267},"intro":"Report your damage online","link":{"url":"https://assets.ing.com/m/c3b44bc5d35878fc/original/AXA_sinistre_FR.pdf"},"title":"Make a claim"}],"componentType":"cards"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"More services and how to contact us","url":"/en/business/services"}]}]},"hasMacro":false,"id":"7fdbf4fb-f2ea-40a8-a286-d6dee7f2dc58","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal information"},{"componentType":"paragraph","richBody":{"value":"<p>This insurance is governed by Belgian law. It is offered to you, subject to acceptance, by:</p>"}},{"componentType":"paragraph","richBody":{"value":"<p>ING Belgium SA/nv, an insurance broker registered with the FSMA under the code number 0403200393. Registered office: Avenue Marnix 24, B-1000 Brussels - RPR Brussels - VAT BE 0403.200.393 - <a data-type=\"internal\" href=\"/en/business\">www.ing.be</a> - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.</p>"},"title":"Insurance intermediary"},{"componentType":"paragraph","richBody":{"value":"<p>AXA Belgium, S.A. of insurances authorised under n° 0039 to practise the life and non-life branches (KB04-07-1979, BS 14-07-1979) at the National Bank of Belgium, located at Boulevard de Berlaimont 14, B-1000 Brussels - Main office: Place du Trône 1 - B-1000 Brussels (Belgium) - Website: <a href=\"http://www.%20axa.be/\">www. axa.be</a> - Tel.: <a href=\"tel:003226786111\">+32 2 678 61 11</a> - Fax: <a href=\"tel:003226789340\">+32 2 678 93 40</a> - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.</p>"},"title":"Insurer"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"Owning or co‑owning a building comes with long‑term responsibility. A fire or major incident can have significant financial consequences? for you and for other stakeholders. AXA Belgium's Fire Insurance for Buildings helps protect buildings with more than three residential units, or buildings combining housing with offices or commercial activities. It safeguards the structure of your property and supports you when something goes wrong.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/39908a50a9f26c22/original/fire-insurance-building-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/507a2523-7f65-4d7b-a22c-392b6d107f54/fire-insurance-building-1920","type":"image","width":1920},"subtitle":"Protect your building investment, with clarity and confidence","title":"Fire insurance for buildings"},"cta":{"componentType":"cta","textLink":{"text":"Already an ING client? Request a call","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},"secondaryCta":{"textLink":{"text":"Not a client yet? Talk to an ING advisor","url":"/en/business/services/contact-us"}}},"publishDate":"2026-05-07T13:09:56.564+02:00"}}