{"type":"document","data":{"id":"7b364cf9-5738-4005-bf99-3c48197ab4aa","localeString":"en-GB","publishDate":"2026-04-17T15:40:21.282+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Theft and vandalism are not covered by standard ING Home Insurance. Read the terms and conditions of this optional cover."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"We are still waiting for spring and the first rays of sunshine! So it’s important to think about protecting your home during these dark and cold days. Thieves are more active in winter and cold weather can also cause damage to your home.  For example, do you know the best temperature to set your thermostat to in winter? Find out more below.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a3d5040e-868f-4b65-b1a3-73a1d8d92364/theft-and-vandalism-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2b6d83e93c9faa3a/original/theft-and-vandalism-1920.jpg","extension":"jpg"},"title":"Keep your home safe this winter. Some prevention tips during these dark days!"},"backLink":{"textLink":{"url":"/en/individuals/insurance","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Theft"},{"componentType":"sectionTitle"},{"componentType":"paragraph","richBody":{"value":"<p>In 2021, there were 94 burglaries per day in Belgium, and we only count those in homes. Taking out theft insurance that covers damage to your contents as a result of break-in or theft is therefore no unnecessary luxury. Adding optional theft cover to your home insurance policy really gives you peace of mind!</p>"}},{"componentType":"paragraph","title":"What does theft cover cover?","richBody":{"value":"<p>Theft insurance, which is optional with your home insurance, covers damage caused by a break-in or (attempted) theft of your home contents. In addition, this additional cover also protects you against theft on the road and theft of your belongings when you are in your vehicle.</p><p>A few tips to prevent theft in/around your home:</p><ol><li><strong>Illumination</strong>: Ensure good outdoor lighting around your home. Motion sensors can also help deter unwanted visitors.</li><li><strong>Security systems</strong>: Consider installing an alarm system and security cameras. This can not only deter thieves, but also help identify intruders.</li><li><strong>Locks</strong>: Use strong locks on all doors and windows. Also consider installing additional locks or latches for additional security.</li><li><strong>Neighbourhood guard</strong>: Join or start a neighbourhood watch program. Collaborating with your neighbours can help you spot and report suspicious activity quickly.</li><li><strong>Vigilance</strong>: Be alert to suspicious people or vehicles in your vicinity. Don&apos;t hesitate to call the police if you notice anything suspicious.</li><li><strong>Valuables</strong>: Keep valuables out of sight of windows and doors. This reduces the temptation for potential thieves.</li><li><strong>Vacation</strong>: Make your home look inhabited when you’re on holiday. Ask a neighbour or friend to pick up your mail and open and close the curtains from time to time</li></ol><p>What steps should you take if you nevertheless fall victim to a break-in?</p><p>We hope it never happens to you, but here are a few steps that can help you at the moment of a break-in, so you know what to do:</p><ol><li><strong>Call the police</strong>: Immediately contact the police as soon as you notice the break-in. This is crucial for your safety and to have an official report drawn up.</li><li><strong>Avoid worse</strong>: Do not try to touch or move anything in your home. This can be important evidence for the police. Remain calm and wait for the arrival of the authorities.</li><li><strong>Submit a declaration to your insurer</strong>: Report the break-in to your insurance company as soon as possible. Make sure you have all the necessary documents and information at hand, such as the police report and a list of stolen or damaged items. (See below for more details on how to do this.)</li><li><strong>Don&apos;t let it happen again: take preventive measures</strong>: Consider taking additional security measures to prevent future break-ins. This could include installing an alarm system, better locks, or participating in a neighbourhood watch program.</li></ol><p> </p>"}},{"componentType":"sectionTitle","title":"Cold winter days: protect your home from frost & snow"},{"componentType":"paragraph","richBody":{"value":"<p>Winter can be wonderful, but frost and snow can also cause a lot of damage to your home. Fortunately, with a few simple steps, you can avoid a lot of problems. Prepare for the winter cold and save yourself a lot of headaches by following these tips.</p><ul><li><strong> Do not set the thermostat below 15° C</strong>.</li><li><strong>Heat all rooms where pipes are laid</strong> and cover meters with blankets.</li><li><strong>Insulate visible pipes</strong> in rooms that you cannot heat.</li><li><strong>Turn off the water supply to external taps and external pipes</strong> and allow the remaining water to drain out of the pipe. Can&apos;t close the outside faucet? Then tie them with a cloth and wrap them in a plastic bag.</li><li>Clean <strong>your gutters regularly</strong>.</li><li><strong>Remove snow</strong> from the roofs of light structures. This prevents them from collapsing under the weight of the snow.</li><li>Switch on the <strong> frost</strong> protection of your central heating system and radiators.</li><li>Is your <strong>home uninhabited?</strong> Then turn off the main tap and allow the remaining water to drain from all taps.&quot;</li></ul><p> </p>"}},{"componentType":"sectionTitle","title":"Choose customised fire insurance"},{"componentType":"paragraph","richBody":{"value":"<p>Fire insurance not only covers your home against damage caused by fire and smoke, but also against lightning, explosions, storms and natural disasters. You can also opt for additional cover such as theft or the Garden option. This gives you peace of mind!</p>"}},{"componentType":"paragraph","title":"What in case of damage?","richBody":{"value":"<p>Do you still have damage to your home despite all your precautions? Please let us know as soon as possible:</p><ul><li>Report your damage quickly and easily online via <a href=\"https://eur02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnnbe.myclaim.be%2Fwelcome&amp;data=05%7C02%7Chelena.brusselle%40ing.com%7C4a6c7837b8074c8f14b408dd3b1b54c4%7C587b6ea13db94fe1a9d785d4c64ce5cc%7C0%7C0%7C638731711029943238%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=zJ1tZOXb6JcDUltiCrgqPlg6bMbreqXkHaccrF00oNA%3D&amp;reserved=0\">myclaim.be</a></li><li>Download the claim form, complete it in full and email it to <a href=\"mailto:myclaim@nn.be\">myclaim@nn.be</a></li></ul><p>Are <strong>you seriously injured?</strong> Call<strong> ING Assist&apos;Line: +32 2 550 06 00</strong>. Our staff are available 24 hours a day, 24 days a day and 7 days a day, 7 days a day.</p>"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"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"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Home Insurance for tenants","intro":"Insurer : NN Non-Life","image":{"transformBaseUrl":"https://assets.ing.com/transform/0724435c-0893-4e31-a5a8-0d30e998b4b3/Flatmates-in-the-kitchen-chatting-as-they-make-coffee","type":"image","width":5700,"original":"https://assets.ing.com/m/7dc4a60630fca249/original/Flatmates-in-the-kitchen-chatting-as-they-make-coffee.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-tenants"},"promoText":"15% discount on 1st year","promotionalLabel":{"labelType":"commercial","body":"Offer"}}]}]}}}