Home Insurance for owners

To get the best possible cover, you should insure the contents of your home against theft and attempted theft.

Covered

• Theft or attempted theft of contents (furniture, clothing, bicycles, jewellery, television sets, etc.), motor vehicles and their trailers, pets, etc. in or outside your home
• Theft or attempted theft involving violence, threats or a break-in while you are on holiday or in a public place

Not covered

• Theft or attempted theft of or from a vehicle located elsewhere (other than in a locked private garage) or on a public road

We cover damage to your garden.

What we consider to be a garden

• Lawns
• Trees, shrubs, hedges and any plants in open soil or in pots
• Ponds, fountains and fish
• Garden furniture and other movable property decorating your garden

What is insured?

• Fire, storm, hail, natural disasters
• Collision
• Escaped livestock or other domestic animals
• Spraying damage you did not cause yourself
• Vandalism and theft

What is not insured?

• Damage of a temporary nature (trees or shrubs that will recover naturally)
• Deliberate damage to or destruction of the garden by you or members of your household

Theft and compensation for plants

Theft or attempted theft is covered only if your garden is part of your main residence.

If damaged trees, hedges or other plants need replacing, we will replace them with similar young plants.

The loss of value due to the difference in age with the similar young plants is covered up to a maximum of 1 000 euros per plant.

The total compensation per claim is 60 000 euros.

We cover damage to your swimming pool and its accessories.

What is insured?

• Your outdoor swimming pool or swimming pond and even the water
• Jacuzzis
• Swimming pool pumps, taps, heat pumps, filters, solar collectors and jet streams
• Lighting, panelling, roller covers, screens and covers
• Terrace and shower system near your swimming pool

All the accessories and accoutrements to your pool are insured at their full value, including against theft. This means we fully compensate any loss and/or damage.

The swimming pools must be dug into the plot of land belonging to your home. Above-ground pools are only covered if they are constructed from hard materials.

What is not insured?

Damage

• To your property as a result of your use of such property
• Caused by cleaning, processing or repair
• Covered by the warranty or a maintenance contract;
• Caused by corrosion, wear and tear, discolouration, contamination or other gradual damage resulting from exposure to slow-acting influences
• Caused by peeling, scratches, dents or stains

If you use fuel oil to heat your home, you are personally responsible for checking the tank on a regular basis and for soil decontamination following contamination.

More than 3% of tanks start leaking at some point, often caused by rust. However, contamination may also occur while refilling the tank. You will also be responsible for covering the cost of the soil decontamination, i.e. the process of cleaning the contaminated land.

Only fuel oil tanks built less than 40 years ago and with a maximum capacity of 20 000 litres are eligible.

The total compensation per claim is 60 000 euros.

What is insured?

We cover the risk as well as the practical organisation of the compulsory soil decontamination.

We send an assessor to

• Determine the nature and seriousness of the contamination
• Take measures to limit the consequences
• Inform you of the statutory procedures relating to soil contamination
• Help you with any formalities to be completed

We arrange to have decontamination works carried out if the contamination is so serious that you are required by law to have the soil decontaminated.

What is not insured?

• Contamination that already existed when the cover was taken out
• Costs borne by the government or another body for the decontamination of contaminated soil
• The possible reduction in value of the contaminated soil
• Pollution and contamination caused by natural disasters