ING Home Insurance protects your home and belongings against covered damage, with tailored cover and attractive premiums. The insurance is governed by Belgian law and is developed by NN Non‑life, a Dutch insurance company.
Optional legal protection can help cover legal assistance costs if disputes arise, for example in the event of damage caused by works carried out by neighbouring properties. Full details and conditions of the legal protection cover are available in the policy documentation.
This insurance is designed for any adult who owns or rents out a house or apartment for private use, as well as sole owners of an entire apartment building, provided the property is located in Belgium.
"}},{"componentType":"sectionTitle","title":"What does ING Property Insurance cover?"},{"componentType":"paragraph","richBody":{"value":"| Category | Details |
|---|---|
| Basic Cover |
Post-damage assistance: available 24/7, including weekends. |
| Optional Covers |
|
"}},{"componentType":"sectionTitle","title":"What is not covered by ING Property Insurance?"},{"componentType":"paragraph","richBody":{"value":"
| Exclusions | Details |
|---|---|
| Not insured |
|
| Damage not covered |
|
| Limits on cover |
Other specific restrictions may apply per cover |
The list is not exhaustive. Read the Product Information Document and Terms and Conditions before signing up.
"}},{"componentType":"paragraph","richBody":{"value":"
You can find full details and conditions on the following pages:
"},"textLinks":[{"text":"Contents insurance cover","url":"/en/individuals/insurance/insure-my-home/contents-insurance"},{"text":"Theft cover"},{"text":"Garden cover","url":"/en/individuals/insurance/insure-my-home/garden-insurance"},{"text":"The legal protection cover","url":"/en/individuals/insurance/insure-my-home/legal-protection-insurance"},{"text":"Storm damage cover","url":"/en/individuals/insurance/insure-my-home/home-insurance-storm-damage"},{"text":"Water damage cover","url":"/en/individuals/insurance/insure-my-home/home-insurance-water-damage"}],"title":"🔗 More Information"},{"componentType":"sectionTitle","title":"Price and term of ING Property Insurance for owners"},{"componentType":"paragraph","richBody":{"value":"Your premium is tailored to your situation and calculated based on segmentation criteria such as your property, your profile and the options you choose. The price may change when the contract is granted. You will always be informed. Only contracts with identical parameters, assessed at the same time, have the same price. More details on eligibility, cover and pricing are available in our Our segmentation policy.
The contract has a minimum duration of one year. It automatically renews each year unless you terminate it at least 2 months before the date on which it is scheduled to renew.
Withdrawal right
You have the right to withdraw from your contract within 14 calendar days after its conclusion, without penalty and without providing any reason. Instructions on how to exercise this right are available in your contractual documentation and via Home Bank and ING Banking app.
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":"How to take out ING Property Insurance?"},{"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":"I am already insured elsewhere. How should I proceed?"},{"richBody":{"value":"
The fastest way is through your contract page:
1. Open the ING Banking app or log in to Home'Bank.
2. Go to "Insurance" at the bottom of the screen and select the insurance policy you want to modify.
3. Click the "Modify your policy" link at the top of the page.
You should report the claim as soon as possible. The fastest way is through your insurance contract page:
1. Open the ING Banking app or log in to Home'Bank.
2. Go to "Insurance" at the bottom of the screen and select the insurance policy for which you want to report a claim.
3. Select "Claims" at the top of the page.
For emergencies:
Call the ING Assist'Line on +32 2 725 15 00, available 24/7.
Tracking your claim file:
After reporting your claim, you will receive an acknowledgment of receipt including the name of your claims handler and your claim reference number. You can monitor the status, progress, and correspondence related to your claim at any time via your contract page by clicking "Claims". On the same page, you can also provide additional information (such as photos or quotations) to your claims handler.
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":"Do I need to install smoke detectors?"},{"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":"Can I spread my premium payments?"},{"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":"Am I covered if I rent out my home via the internet?"},{"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":[{"text":"Inventory - How much value to insure for your content (PDF - FR)","url":"https://assets.ing.com/m/901bf04ba2fe1a28/original/InventarisatielijstInhoudFR.pdf"}],"title":"What value should I put for my furniture?"},{"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":"Why choose the legal assistance option?"},{"richBody":{"value":"Simply follow the tips on our special moving checklist for a hassle-free move.
"},"title":"I’m moving house. What do I need to do?"},{"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.
"},"title":"Your home is located in an area with an increased risk of natural disasters?"},{"richBody":{"value":"You can find this information on your contract page:
1. Open the ING Banking app or log in to Home'Bank
2. Go to "Insurance" at the bottom of the screen and select the insurance policy you want to view.
3. Scroll down to the "Coverage" section.
Would you like to cancel your insurance? Here's how:
Within 14 days of taking out the policy
Have you taken out your Home insurance less than 14 days ago? If so, you can easily cancel it yourself via your policy details page:
1. Open the ING Banking app or log in to Home'Bank.
2. Go to "Insurance" at the bottom of the screen and select the insurance policy you want to cancel.
3. Click the link "Withdraw your contract until dd.mm.yyyy" displayed next to your contract status.
After 14 days
Was your Home insurance taken out more than 14 days ago? If so, you can send your cancellation request by email to homeandfamily@nn.be.
"},"title":"How can I cancel my insurance?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"Not entirely satisfied with the distribution of this product?
Our Complaints Department and Ombudsman are there to help you: How do I submit a complaint?
Do you have any comments or complaints about ING Home Insurance?
Contact NN online: homefamily@nn.be
About insurance and conflicts of interest:
You can consult the general information on the insurance policies and the conflicts of interest policy (including information on remuneration) of ING Belgium SA/NV and of the insurer NN Non-Life via www.ing.be > Charges and regulations > Information and regulations > Insurance.
Human assistance
If you require assistance or would like to discuss the product before concluding the contract, you may request assistance from one of our advisers through our contact channels.
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 10/09/2026 and 15/11/2026 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 15% 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.
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