{"type":"document","data":{"id":"0efc67a1-4425-44b6-8768-26a834b004dc","localeString":"en-GB","publishDate":"2023-05-11T15:21:34.336+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Then it is crucial to take out home insurance to ensure that you are well protected from accidents. But what does home insurance actually cover?"},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"Home insurance, what does it cover?","subtitle":"Not all home insurances provide the same cover, which is something that a lot of tenants or owners are not aware of. However, it’s important to be well protected against bad luck. Especially after you have finally decided to rent or buy a new home.","body":"What does home insurance cover? We explain it all in detail below. There is, for example, a difference between basic cover and optional coverages. In any case, good home insurance is always customized."},"backLink":{"textLink":{"url":"/en/individuals/my-life/housing","text":"Housing"}},"date":"2023-05-11","readingTime":5},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Basic home insurance cover"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><strong><span>Thanks to your standard policy, you’re always covered for property damage to the building.</span></strong><span> This can be caused by a number of things:</span></span></span></p><ul><li><span><span><span>Fire or smoke,</span></span></span></li><li><span><span><span>A lightning strike,</span></span></span></li><li><span><span><span>An explosion,</span></span></span></li><li><span><span><span>A storm or natural disaster.</span></span></span></li></ul><p><span><span><span>In addition, basic home insurance also covers certain incidental expenses:<strong> things that are not directly related to the damage itself, but that do result from it. </strong>Some examples of these “indirect losses”, as they are sometimes called, are:</span></span></span></p><ul><li><span><span><span>The rescue and preservation costs of the apartment building after collapse.</span></span></span></li><li><span><span><span>The cost of demolishing your irreparably damaged home.</span></span></span></li><li><span><span><span>The costs that need to be incurred as a result of a gas explosion to prevent the building next door from collapsing.</span></span></span></li></ul><p><span><span><span>Suppose, for example, that a violent fire breaks out in your home and the fire department declares the house uninhabitable. Thanks to the basic cover of your home insurance, you won’t have to pay anything yourself for your temporary replacement home. The installation of support beams to prevent your home from collapsing is also covered.</span></span></span></p>"},"textLinks":[{"url":"/en/individuals/my-life/housing/fire-prevention","text":"7 tips to prevent house fires"}]},{"componentType":"highlight","title":"With ING’s home insurance, you enjoy an even better coverage!","richBody":{"value":"<p><span><span><span><span>Is your child moving out for college? Then any damage to their <strong>student house</strong> is also covered under your existing home insurance for tenants or owners. This way, you already have one less thing to worry about!</span></span></span></span></p><p><span><span><span><span>The same goes for <strong>temporarily rented accommodations, party rooms and/or tents</strong>. In other words, when you have booked a vacation rental abroad or when you’re organizaing a birthday party at a rented location, your liability as a tentant of these temporary locations is also covered by home insurance, if you have taken out the cover for building (owner) or tentant liability (tenant). </span></span></span></span></p>"}},{"componentType":"sectionTitle","title":"Additional coverages of home insurance"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>In addition to this basic cover, you can also expand your policy with optional coverages. In doing so, you can further reduce your risk of a financial hangover.</span></span></span></p><ul><li><span><span><strong><span>Contents:</span></strong><span> By default, goods damaged during a fire are not insured. Therefore you might consider expanding your policy. </span><a href=\"https://www.ing.be/en/individuals/my-life/housing/home-insurance-mandatory\"><span>In fact, this has been a legal requirement within the home insurance for tenants in Flanders since January 1, 2019.</span></a></span></span></li><li><span><span><strong><span>Theft:</span></strong><span>. With this optional coverage, you’re also protected against costs or damage to contents due to a burglary or vandalism.</span></span></span></li><li><span><span><strong><span>Garden:</span></strong><span> Did you, after some hesitation, just invest in a brand new garden with all the trimmings? Then you probably know all too well that this area also contains valuable items, such as your barbecue, lounge set or swimming pool. In this case, it would benefit you to also include your garden in your home insurance.</span></span></span></li><li><span><span><strong><span>Legal aid:</span></strong><span> Suppose you’re arguing with your neigbours about water damage cause by a broken pipe of theirs. In that case, the legal aid coverage provides, among other things, legal assistance from a lawyer. </span></span></span></li><li><span><span><strong><span>Family insurance:</span></strong><span> This warranty conversely covers the civil liability of you and the other members of your household for damage caused to a third party. A typical example would be that of your child accidentally breaking the neighbor’s window with a soccer ball, or of your pet biting your friends’ new inflatable pool.</span></span></span></li></ul>"}},{"componentType":"highlight","title":"Did you know?","richBody":{"value":"<p><span><span><span>Solar panels are also covered by your </span><a href=\"https://www.ing.be/en/individuals/insurance/home-insurance-owners\"><span>home insurance</span></a><span>, the only prerequisite being that they are installed according to the manufacturer’s instructions.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Good home insurance is customized"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><strong><span>It’s important to consider your personal situation first,</span></strong><span> in order to determine your needs. That way, you can find a home insurance policy that suits you perfectly. Depending on the plan of your choice, the extent of its coverage, compensation limits and exemptions will matter more or less.</span></span></span></p><p><span><span><span>Make sure to therefore always read the terms and conditions carefully before taking out any insurance.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Whether you buy or rent a property"},{"componentType":"paragraph","richBody":{"value":"<p>It is best to take out home insurance. Discover ING&apos;s home insurance policies</p>"},"textLinks":[{"url":"/en/individuals/insurance/insure-my-home/home-insurance-owners","text":"For owners"},{"url":"/en/individuals/insurance/insure-my-home/home-insurance-tenants","text":"For tenants"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"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"}},{"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"}}]}]}}}