Become the owner of a home or apartment? Protect your property with appropriate fire insurance. ING Home Insurance covers damage from fire, water damage, theft, third-party damage and loss of keys.
Have a question or need assistance with a claim? Our assistance team is available 24/7 by phone (+32 2 725 15 00).
Choose ING Home Insurance and get up to 40% discount for homes under construction and up to 20% for homes less than 7 years old.
Tenant? Calculate your price online.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/1acad2d6-fec4-43f8-9698-4d275c1be017/731136-ATL-bannering-Batibouw-Insurance-Owner","original":"https://assets.ing.com/m/5d6f97c9b347cec/original/731136-ATL-bannering-Batibouw-Insurance-Owner.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"How to take out ING Property Insurance?"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Calculate","body":"Calculate the premium in a few steps."},{"title":"Apply","body":"Choose your cover and complete your application in 5 minutes."},{"title":"Confirm","body":"Your policies will be sent to you by email and you’ll be covered from midnight the following day from the date you choose."}]}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/insurance/home?EW=true","text":"Log in to receive your personal price"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"/en/individuals/insurance/insure-my-home/home-insurance","text":"Not a customer yet? You can still get your personal price here."}]},{"componentType":"sectionTitle","title":"What is ING Property Insurance for owners?"},{"componentType":"paragraph","richBody":{"value":"It is a comprehensive non-life insurance policy for your private home, subject to Belgian law and developed by NN Non-life, a Dutch company, with attractive premiums and customised cover. ING Property Insurance is an insurance policy that covers the costs incurred for repairing or renovating your home and/or belongings as a result of damage.
In addition, if, for example, your wall has cracked as a result of your neighbour's renovation work, and you have taken out legal protection cover (optional cover), we also pay the cost of any legal assistance you may need if your neighbour refuses to accept liability.
All details and conditions regarding the legal protection cover:
"},"textLinks":[{"url":"/en/individuals/insurance/insure-my-home/legal-protection-insurance","text":"The legal protection cover"}]},{"componentType":"sectionTitle","title":"What does ING Property Insurance cover?"},{"componentType":"paragraph","richBody":{"value":"Basic cover :
This basic cover may be extended by additional options.
Options
All details and conditions on:
"},"textLinks":[{"url":"/en/individuals/insurance/insure-my-home/home-insurance-storm-damage","text":"Storm damage cover"},{"url":"/en/individuals/insurance/insure-my-home/home-insurance-water-damage","text":"Water damage cover"},{"url":"/en/individuals/insurance/insure-my-home/contents-insurance","text":"Contents insurance cover"},{"url":"/en/individuals/insurance/insure-my-home/theft-insurance","text":"Theft cover"},{"url":"/en/individuals/insurance/insure-my-home/garden-insurance","text":"Garden cover"}]},{"componentType":"sectionTitle","title":"What is not covered by ING Property Insurance?"},{"componentType":"paragraph","richBody":{"value":"Exclusions:
Limits on cover:
Any adult, private individual, who is the owner or landlord of a house or apartment occupied for private use and any owner of an entire apartment building, provided they are the sole owner of the entire building and the property is in Belgium.
"}},{"componentType":"sectionTitle","title":"Price and term of ING Property Insurance for owners"},{"componentType":"paragraph","richBody":{"value":"You benefit from a rate tailored to you. This means that your rate is determined on the basis of our most up-to-date information, taking into account various segmentation criteria and their impact on a risk. As a result, a rate may change when the contract is granted. We will keep you informed.
Even if you compare different contracts, there may be other premiums, given the underlying segmentation criteria that are different in that case. Only contracts with identical parameters and compared at the same time have the same price.
The price you pay for ING Property Insurance is based on:
What factors determine whether you can be insured? What exactly is covered by this insurance? What does it cost? You will find this information in our segmentation policy.
About the insurance policy term: This insurance is taken out for a period of 1 year. It shall be tacitly renewed for one year at a time, unless one of the parties objects.
"},"textLinks":[{"url":"/en/individuals/insurance/insure-my-home/segmentation-policy-fire-family-insurance","text":" Our segmentation policy"}]},{"componentType":"sectionTitle","title":"Important information before calculating your premium"},{"componentType":"paragraph","richBody":{"value":"When taking out a policy online, a needs analysis, setting out your requirements and needs for ING Property Insurance, will also be generated based on your needs and your choice of cover made at the time. This will be available via Home'Bank.
You can find a complete description of the insurance policies, exclusions and restrictions in:
"},"textLinks":[{"url":"https://assets.ing.com/m/ee1ef0d415377d40/original/general-terms-and-conditions-Property-Family-Insurance-EN.pdf","text":"the General Terms and Conditions (PDF)"},{"url":"https://assets.ing.com/m/2a697096e14027b5/original/IPID-Property-Insurance-EN.pdf","text":"the information document on the insurance product (PDF)"}]},{"componentType":"paragraph","richBody":{"value":"Please read these documents carefully before signing your insurance policy and paying the premium by transfer or direct debit to the insurer. In the event of an error, contact your branch or call NN using the ING number to make the necessary changes:
"}},{"componentType":"paragraph","richBody":{"value":"You can read the general information about the insurance policies and the description of the conflict of interest policy, including the benefits, of ING Belgium SA/NV and of the insurer, via www.ing. be > Charges and regulations > Information and regulations > Insurance.
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"How to take out ING Property Insurance?","richBody":{"value":"You can take out our insurance immediately online via our website www.ing.be, our app or via Home'Bank. Still have questions? Our staff will be happy to help you. Call them on +32 2 464 60 04 (Monday to Friday, 9am to 5pm) or visit one of our branches.
"}},{"title":"I am already insured elsewhere. How should I proceed?","richBody":{"value":"Apply for your ING Home Insurance right away and indicate in the application process that you wish to have your switch arranged by ING.
Since 1 October 2024, a new law applies to contracts started or renewed after that date. You can find more information here.
"}},{"title":"How can I change the policy of my ING Home Insurance?","richBody":{"value":"
At ING, you can easily manage your insurance policy yourself:
Contracts starting after 2021:
Contracts starting before 2021:
Incurred damage to your home or contents? We’re here to help, 24/7! Simply follow the instructions on our "report a claim" page.
"}},{"title":"Do I need to install smoke detectors?","richBody":{"value":"Smoke detectors are required by law in every home in Flanders and Wallonia. In Brussels, you’re only required to install smoke detectors in rented accommodation.
"}},{"title":"Can I spread my premium payments?","richBody":{"value":"Most certainly! At ING, you can pay your premium in one go every year or bit by bit each month. It’s up to you. And whatever you choose, the amount of your premium stays the same.
"}},{"title":"Am I covered if I rent out my home via the internet?","richBody":{"value":"You can rent out your house or apartment via a third-party website like Airbnb or home exchange for up to 2 months per year. As long as you don’t go over that maximum, you’ll still have the same cover, including your optional theft cover, if you’ve taken it out.
"}},{"title":"What value should I put for my furniture?","richBody":{"value":"Make sure you choose an amount that would cover the cost of replacing all the contents of your home. Feel free to use our handy checklist to help you get started.
"},"textLinks":[{"url":"https://assets.ing.com/m/901bf04ba2fe1a28/original/InventarisatielijstInhoudFR.pdf","text":"Inventory - How much value to insure for your content (PDF - FR)"}]},{"title":"Why choose the legal assistance option?","richBody":{"value":"Taking out the optional legal protection cover can often be a good idea. Imagine your neighbours are renovating their home and cause a crack in your wall. If they refuse to accept responsibility, you can call on your insurance to get legal assistance to claim back the damages.
"}},{"title":"I’m moving house. What do I need to do?","richBody":{"value":"Simply follow the tips on our special moving checklist for a hassle-free move.
"}},{"title":"Your home is located in an area with an increased risk of natural disasters?","richBody":{"value":"In case your home is located in an area with an increased risk of natural disasters, the damage due to natural disasters is insured in accordance with the conditions and tariff of the Tariferingsbureau Natuurrampen. This means that, only for damage caused by natural disasters, deviating conditions apply with other guarantees, limits, premiums and deductible. This is stated in the General Terms and Conditions with the name General Terms and conditions addendum Pricing Office (PDF). Commercial discounts are never valid for the Natural Disasters cover.
"}}]},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","title":"Not entirely satisfied with the distribution of this product?","richBody":{"value":"Our Complaints Department and Ombudsman are there to help you.
"}},{"componentType":"paragraph","title":"Not completely satisfied with your ING Home & Family Insurance?","richBody":{"value":"Insurance intermediary: ING Belgium NV/SA – Bank – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 – www.ing.be – Contact us via ing.be/contact-us – Insurance broker, registered with the FSMA under the number 0403.200.393.
"}},{"componentType":"paragraph","richBody":{"value":"Insurer: NN Non-life – VAT number BE 0801.866.930 RPR Brussels, located at Fonsnylaan 38, 1060 Brussels, under the supervision of the NBB accredited under code 2925 and authorised to take out insurance in Belgium on the basis of freedom of establishment in Belgium.
Belgian branch of Nationale-Nederlanden Schadeverzekering Maatschappij N.V., insurance company under Dutch law, under the supervision of the DNB and authorised under code number NBB 2925, with registered office at Prinses Beatrixlaan 35, 2595 AK 's-Gravenhage, The Netherlands – Chamber of Commerce number 27023707.
Offer valid for each subscription of a new annual contract of an ING Home Insurance policy between 14/04/2026 and 17/05/2026 included, with the promotional code PROMOHOME which is automatically applied in the salesflow. This offer is subject to acceptance of your application by the insurer and mutual agreement. Offer valid for ING customers, without obligation to take out an ING mortgage or to purchase other financial services from ING.
The 20% discount offer applies to the first annual premium, in the case of monthly or annual payments. The discount is valid for both online subscription as subscription in an agency. The discount cannot be combined with any other temporary campaign discounts and will be immediately included in your premium. The discount applies to the Building, Contents and Theft options (not to Family Insurance and Legal Assistance). This discount does not apply to insurance policies that are subject to the rates and conditions of the Tariff Office for Natural Disasters.
Before taking out the insurance, consult the conditions and exclusions in the general terms and conditions and the information document about the insurance product, available on ING.be and at all ING branches.