Home insurance for your property
- Work out the cost of home insurance in 3 steps
- Take out your home insurance immediately online
- File insurance claims using our app or by contacting your insurance agent
What’s insured and what’s not?
Home insurance is a necessary form of property insurance that covers much more than just fire damage caused to your home or its contents (i.e. your house, flat, garage and even rented student accommodation).
Important
The above list is incomplete. A complete overview of what is and isn’t insured can be found in our conditions at the bottom of this page.
Choose the home insurance that’s right for you
Find out how much your home insurance will cost you in just a few clicks. The good thing here is that the price you're given is always all-in, without any hidden costs. Regardless of whether you’re an owner, tenant or landlord, you can take out your customised insurance right away.
Still feel you need personal contact or advice?
Our experts are always there for you.
Have any other questions?
It isn’t for homeowners. For tenants, however, it depends on the region where the rented property is located. In Flanders, tenants have been under a legal duty to take out home insurance since 1 January 2019. Wallonia made tenant’s insurance compulsory on 1 September 2018. In Brussels, this is not yet a requirement.
Regardless of where you live, you should never be without it, because it's not just there for you in case of fire.
It's a vital overall safeguard for the building you live in, and for the home you make in it.
Our handy simulator lets you work out the price of your home insurance in just a few steps. The good thing here is that the price you're given is always all-in, without any hidden costs.
You can take out the insurance directly online without having to go to your branch, even if you’re not with us. Your insurance will then take effect the very next day. If you don't need cover straightaway, simply pick a different starting date.
Want to pay your premium yearly or prefer to pay it monthly at no extra charge? That's up to you, too.
If your home incurs damage we insure, there's no need to look for your tools or call on an odd-jobber.
The KBC service that arranges the repairs is included in your home insurance. We'll look for the right repairer in your neighbourhood, arrange the works to suit you and pay the bill.
So, you don't have to lift a finger – just leave the repairs to an expert and enjoy peace of mind. If you know a repairer or want to fix the damage yourself, you can opt for compensation instead.
If you own or rent a second home, you can take out home insurance that’s tailored to that particular property.
> Check out home insurance for second-home owners
> Check out home insurance for second-home tenants
Your solar panels, charging station and home battery are automatically insured under your KBC Home Insurance. So, when they are installed, you don't have to inform your Insurance Expert Insurance about it.
Customised insurance
Good to know
KBC Home Insurance is a property insurance policy.
- This product is governed by the laws of Belgium.
Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than three months before the main renewal date.
For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them. As a consumer, you can cancel your insurance contract at any time starting from the second insurance year, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.- Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, or if you have taken out this insurance online, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. + 32 16 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be. This does not affect your legal rights.
Visit our website or contact one of our insurance experts to request a quote for KBC Home Insurance.
KBC Home Insurance is a product provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium.
VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979). Member of the KBC group.