Important to know: In Belgium, home insurance is mandatory for tenants, including those living in cohousing arrangements. Any adult renting a house or apartment for private use must take out tenant liability insurance. This applies whether you're renting alone or sharing a home with others.
"}},{"componentType":"sectionTitle","title":"ING Property Insurance coverage overview"},{"componentType":"paragraph","richBody":{"value":"
| Category | Details |
|---|---|
| Basic Cover |
- Natural disasters, storm or hail, lightning - Fire, fire damage to parked vehicles, smoke, soot, electrical damage - Water infiltration, broken/leaking pipes, fuel oil - Glass breakage, cracked sanitary facilities - Costs of searching of a missing child - Home civil liability - Tenant costs if the rental agreement is terminated early by the owner - Assistance: available 24/7, including weekends
|
| Optional Covers |
|
| Exclusions | Details |
|---|---|
| Not Insured |
|
| Damage Not Covered |
|
| Limits on Cover |
- Property must not be unoccupied for more than 60 consecutive nights - Doors/windows must be locked; alarm system may be required
|
Read the information document about the insurance product and the General Terms and Conditions before subscribing.
"},"title":"🚫 What Is Not Covered"},{"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","url":"/en/individuals/insurance/insure-my-home/theft-insurance"},{"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":"feature","featureName":"home-renter-insurance-simulator"},{"componentType":"sectionTitle","title":"The home insurance for tenants, what is it?"},{"componentType":"paragraph","richBody":{"value":"The ING Property Insurance for tenants is a comprehensive non-life insurance for your private home, subject to Belgian law and developed by NN Non-life, a Dutch company, with attractive premiums and tailor-made cover. You will no doubt have already heard of "tenant liability", which means your liability as a tenant.
ING Property Insurance for tenants indemnifies the owner for any damage you accidentally cause to the property they are renting to you. Did you also cause damage to the neighbours' house? In this case, these costs will also be refunded.
"}},{"componentType":"sectionTitle","title":"Protect your rental today"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Calculate the premium in a few steps.","title":"Calculate"},{"body":"Choose your cover and complete your application in 5 minutes.","title":"Apply"},{"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.","title":"Confirm"}]}},{"componentType":"paragraph","textLinks":[{"text":"Not a customer? You can still get your personal price here","url":"/en/individuals/insurance/insure-my-home/home-simulator-for-tenants"}]},{"componentType":"cta","textLink":{"text":"Log in to receive your personal price","url":"https://ebanking.ing.be/banking/mobile/insurance/home?EW=true"}},{"componentType":"sectionTitle","title":"Price and term of ING Property Insurance"},{"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.
What affects your price?
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":[{"text":"The segmentation policy","url":"/en/individuals/insurance/insure-my-home/segmentation-policy-fire-family-insurance"}]},{"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.
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 the NN team on ING number +32 2 464 60 04 (Monday to Friday from 9 a.m. to 5 p.m.) to make the necessary changes.
You can find general information about ING in Belgium’s insurance policies and conflicts of interest policy and about the Dutch insurance company NN Non-life, at ing.be > Charges and regulations > Information and regulations > Insure
You can find a complete description of the insurance policies, exclusions and restrictions in:
"},"textLinks":[{"text":"the General Terms and Conditions (PDF)","url":"https://assets.ing.com/m/ee1ef0d415377d40/original/general-terms-and-conditions-Property-Family-Insurance-EN.pdf"},{"text":"the information document about the insurance product (PDF)","url":"https://assets.ing.com/m/2a697096e14027b5/original/IPID-Property-Insurance-EN.pdf"}]},{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"https://ebanking.ing.be/banking/mobile/insurance/home?EW=true"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Not a customer? You can still get your personal price here","url":"/en/individuals/insurance/insure-my-home/home-simulator-for-tenants"}]},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"At ING, you can take out our insurance immediately online via our website ING.be our app or via Home'Bank. You still have question? 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 do I take out ING home insurance for tenants?"},{"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":"How do I make a claim?"},{"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":"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":"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. 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":"When you rent a flat or a house, you might have to set up a rental guarantee to fulfil the conditions on the lease agreement. When you move out and leave the property in the conditions agreed in the rental contract with the landlord, the rental guarantee will be refunded to you.
You can open your rental guarantee online in a few minutes with ING, or in branches.
"},"title":"Do you also need to open a rental guarantee?"},{"richBody":{"value":"In Belgium home insurance is mandatory for tenants, including those living in cohousing arrangements. Each tenant needs a separate contents insurance for their personal belongings and a family insurance to cover damages caused to housemates’ furniture. Students registered at their parents’ address may already be covered by their parents’ Home and/or Family insurance.
"},"title":"What is cohousing insurance and what does it cover?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Complaint"},{"componentType":"paragraph","richBody":{"value":"Our Complaints Department and Ombudsman are there to help you.
"},"title":"Not entirely satisfied with the distribution of this product?"},{"componentType":"paragraph","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 Insurance NV, a company incorporated under Dutch law authorised to insure risks in Belgium, insurance company registered in Belgium under green card code number 1449. Registered office: Prinses Beatrixlaan 35, 2595 AK The Hague, The Netherlands – Trade Register number 27127537, supervised by De Nederlandsche Bank.
"}},{"componentType":"paragraph","richBody":{"value":"Offer valid for each subscription of a new annual contract of an ING Home Insurance policy between 14/04/2026 and 30/06/2026 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.