{"type":"document","data":{"id":"01257bdb-092b-4673-a1c3-a3d8ef97ad5d","localeString":"en-GB","publishDate":"2023-07-27T16:02:34.967+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"What is the difference between home insurance and family insurance? What costs do they cover? And do you need both? Find out here."},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"The difference between home insurance and family insurance","body":"We know that there are many different types of insurance on the market and that it is sometimes difficult to tell them apart or understand the differences between them. Home insurance and family insurance are not mutually exclusive. Therefore, we explain the difference between these two types of insurance in more detail."},"backLink":{"textLink":{"url":"/en/individuals/insurance/insure-my-home","text":"Home Insurance"}},"date":"2023-07-20","readingTime":5},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Home insurance versus family insurance"},{"componentType":"paragraph","richBody":{"value":"<p><span><span>Home insurance and family insurance are two different types of insurance, but they do have some similarities.</span></span></p><p><span><span><strong>Home insurance</strong> covers damage to your home and the personal property in your home (optional). <a data-type=\"internal\" href=\"/en/individuals/my-life/housing/home-insurance-what-does-it-cover\">Find out what else home insurance covers.</a> </span></span></p><p><span><span><strong>Family insurance</strong> (or civil liability insurance) covers damage you or your family members living under the same roof may cause to others or their property in your private life. For example, if you cause property damage to someone else&apos;s property or cause bodily harm, your family insurance may cover the cost.</span></span></p><p><span><span>In summary, home insurance focuses on protecting your home and personal property, while family insurance focuses on protecting your legal liability to others.</span></span></p><p><span><span>Now let&apos;s look in detail at exactly how both policies work.</span></span></p>"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/ac529a79-43ef-42fa-8cc9-bb453c02b15e/swinging-girls","original":"https://assets.ing.com/m/4cf43e4c0950248b/original/swinging-girls.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"What does family insurance cover?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><strong>Basic coverage</strong></span></span></p><p><span><span>Coverage for damage caused to third parties as a result of fault or negligence on your part for which you are responsible in the course of your personal life.</span></span></p><p><span><span><strong>Who is insured?</strong></span></span></p><ul><li><span><span>You as the policyholder and only as an individual</span></span></li><li><span><span>the people living with you, even if they temporarily live somewhere else for whatever reason</span></span></li><li><span><span>your minor children or those of your cohabiting partner who do not live with you</span></span></li><li><span><span>your adult children or those of your cohabiting spouse who do not live with you if they are still economically dependent on you (policyholder) or your cohabiting spouse</span></span></li><li><span><span>you or your partner, in case of permanent admission to a care facility.</span></span></li></ul><p><span><span><strong>Options</strong></span></span></p><ul><li><span><span>Legal assistance coverage for an insured person when a liable third party commits an error or omission that causes the insured person to suffer a loss.</span></span></li><li><span><span>Comprehensive coverage in the event of a covered claim.</span></span></li></ul><p><span><span>Damage suffered by people trying to save you or your property is covered up to a maximum of €25,000. There is no deductible.</span></span></p><p><span><span>Your legal liability as a parent of your minor children insured under this policy remains covered, no matter what fault they committed.</span></span></p><p><span><span><strong>Is family insurance mandatory?</strong></span></span></p><p><span><span>Family insurance is not required by law. Nevertheless, almost 80% of Belgian families have taken out family insurance because it is relatively inexpensive and provides great peace of mind.</span></span></p>"}},{"componentType":"cta","textLink":{"url":"/en/individuals/insurance","text":"Discover our insurances"}},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/f4cd274a-8989-4796-8f17-c4a4cc58c267/orange-house-and-a-man-in-orange","original":"https://assets.ing.com/m/90e6273afdf0f6a/original/orange-house-and-a-man-in-orange.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"What does home insurance cover?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><strong>Basic coverage</strong></span></span></p><ul><li><span><span>Insurance for your home: in the event of fire, smoke and soot damage, lightning damage, electrical damage, broken windows and broken or cracked plumbing, <a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/home-insurance-storm-damage\">storm or hail</a>, <a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/home-insurance-water-damage\">water leakage</a> through the roof or an exterior wall, burst or leaking pipes, fuel oil, natural disasters, fire damage to vehicles parked at the insured address or within a 300-meter radius of it, the cost of searching for a missing child, civil liability for the home.</span></span></li><li><span><span>Assistance after a claim, day or night, even on weekends.</span></span></li></ul><p><span><span>This basic coverage can be supplemented by additional options.</span></span></p><p><span><span><strong>Options</strong></span></span></p><ul><li><span><span><a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/contents-insurance\"><strong>Home contents insurance</strong></a>: covers certain damage caused to your contents (furniture, television, etc.), for example due to fire or water damage.</span></span></li><li><span><span><a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/theft-insurance\"><strong>Theft</strong></a>: can only be taken out if the contents are insured. Theft insurance covers damage to or loss of your contents after a burglary or attempted burglary.</span></span></li><li><span><span><a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/garden-insurance\"><strong>Garden</strong> <strong>coverage</strong></a> including damage to swimming pools and soil remediation</span></span></li><li><span><span><a data-type=\"internal\" href=\"/en/individuals/insurance/family-insurance\"><strong>ING Family Insurance</strong></a>: covers damage you (and/or your cohabitants) cause to others for which you are responsible. But it also works the other way around.</span></span><ul><li><span><span>covers damage you (and/or your cohabitants) cause to others and for which you are responsible.</span></span></li><li><span><span>coverage for you or your cohabitant partner as a result of moving into a nursing home</span></span></li><li><span><span>extended coverage for a covered claim: the damage of people trying to save you or your property is insured up to a maximum of €25,000. There is no deductible. Your legal liability as a parent of your minor children insured under this policy remains covered no matter what fault they committed.</span></span></li></ul></li><li><span><span><a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/legal-protection-insurance\"><strong>Legal protection</strong></a>: for the costs of defending your interests, such as legal fees or court costs in the event of a claim.</span></span></li></ul><p><span><span><strong>Is home insurance required by law?</strong></span></span></p><p><span><span>For tenants, home insurance is always mandatory. For owners, it is not mandatory but in reality, most banks will still require you to purchase home insurance when you take out a home loan. Read more info on the legal requirement around home insurance here. </span></span></p>"}},{"componentType":"cta","textLink":{"url":"/en/individuals/insurance/insure-my-home","text":"Discover our insurances"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Family Insurance","intro":"Insurer: NN Non-Life","image":{"transformBaseUrl":"https://assets.ing.com/transform/c3c5fc87-881c-44e5-813c-3ae1688fffb1/A-mother-and-her-young-todler-push-wheelbarrows-crop","type":"image","width":5700,"original":"https://assets.ing.com/m/26cc2806d91185c4/original/A-mother-and-her-young-todler-push-wheelbarrows-crop.jpeg","extension":"jpeg"},"link":{"url":"/en/individuals/insurance/family-insurance"},"promoText":"Maître achat by Testachats"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Home Insurance for owners","intro":"Insurer : NN Non-life","image":{"transformBaseUrl":"https://assets.ing.com/transform/14518c58-d363-4ea1-899d-afff211ed0a5/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming","type":"image","width":1920,"original":"https://assets.ing.com/m/3ad15167e3061bee/original/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-owners"},"promoText":"20% discount on the 1st year","promotionalLabel":{"labelType":"commercial","body":"Offer"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notice"}]}}}