ING offers two different insurance policies: home insurance for owners and home insurance for tenants.
"},"textLinks":[{"url":"/en/individuals/insurance/insure-my-home/home-insurance-owners","text":"ING Home insurance for owners"},{"url":"/en/individuals/insurance/insure-my-home/home-insurance-tenants","text":"ING Home insurance for tenants"}]},{"title":"What are the home insurance covers?","richBody":{"value":"Home insurance is used in a wide variety of cases: fire, lightning, storm, natural disasters, etc. Want to know more? Go to 'What does fire insurance cover'?
"}},{"title":"Is home insurance compulsory in Belgium?","richBody":{"value":"Home insurance is not always required by law, but in practice, homeowners often cannot avoid it. When applying for a mortgage loan, most banks require that you also take out home insurance. See also our article 'Home insurance: mandatory'?
"}},{"title":"What water damage is covered by insurance?","richBody":{"value":"Home insurance is mainly used for damage due to problems with a pipe, water leakage, water leakage through the roof or water leakage due to a faulty plumbing system or electrical appliances. Learn more about home insurance and water damage here.
"}},{"title":"What are the optional covers in the Home Insurance?","richBody":{"value":"In addition to basic cover, you can opt for contents insurance, theft insurance for your contents, garden insurance for your furniture, barbecue, swimming pool, etc., legal expenses insurance to cover the cost of defending your interests and family insurance for third-party damage.
"}},{"title":"Do I have to pay a deductible when my property is damaged?","richBody":{"value":"If damage occurred at your home and you are insured, you have to pay a deductible in the in some cases. Read more about it in our article.
"}},{"title":"Insurance with waiver of recourse: what does that mean?","richBody":{"value":"If you are a tenant and your landlord has added a recourse waiver clause to your lease, this means that he has taken out fire insurance for your property and you will not have to pay for any damage you might cause to the property you rent. At first glance, this seems to bring only benefits to you! But it may well be that your landlord will charge you the cost of this clause of his fire insurance in your house rent.
"}},{"title":"How is the price of home insurance calculated?","richBody":{"value":"The price you pay for home insurance depends on the property, your profile (owner-occupier or owner-tenant) and the package you choose (basic cover and any additional options). To help you determine the value to insure, insurers use an assessment grid. You need to specify the number of rooms and, depending on the company, the level of finish or surface area. Your home's contents should also be insured at fair value. It is advisable to make a list of your possessions and their value. Read all about it in this article: How is the price of fire insurance calculated?
"}}]},{"componentType":"highlight","richBody":{"value":"From searching to buying or renting, including loans, insurance and ecological renovation, a real estate project has many facets.
"},"textLinks":[{"url":"/en/individuals/my-life/housing","text":"Discover our advice"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Mortgage loan","intro":"To buy / build or renovate your home (For renovations >25.000€).","image":{"transformBaseUrl":"https://assets.ing.com/transform/5b4a8617-83c9-4a7a-a5e3-73bdcee66986/Mortgages-YOUNG-MAN-IN-MID-AIR","type":"image","width":4766,"altTextEN":"young man in mid air","altTextNL":"jonge man in de lucht","altTextFR":"jeune homme dans les airs","original":"https://assets.ing.com/m/5692580032446261/original/Mortgages-YOUNG-MAN-IN-MID-AIR.JPG","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/mortgage-loan"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Prevent fires","body":"With these 7 simple tips","image":{"transformBaseUrl":"https://assets.ing.com/transform/cec5f235-30ee-4507-b4b5-25d08829de33/fire-prevention-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/79fce409dda5990d/original/fire-prevention-1920.jpg","extension":"jpg"},"date":"2023-03-08","link":{"url":"/en/individuals/my-life/housing/fire-prevention"}}]}]}}}