Your Home Insurance

Frequently asked questions about KBC Home Insurance

Your Home Insurance

Frequently asked questions about KBC Home Insurance

Questions about your Home Insurance

Home Insurance for tenants

1. Home Insurance for tenants

Is Home Insurance compulsory for tenants?

That depends on which region your rented property's situated in. Flemish landlord and tenant law will be changing on 1 January next year. From that date, tenants will be under a legal duty to take out property insurance. Wallonia made tenant's insurance compulsory on 1 September of this year. Brussels has not yet officially gone that far. Your landlord may well include it as a lease term, however.

As a tenant, you are required to return the subjects of lease back to the owner in their original condition, which is why we recommend that you take out tenant’s liability insurance in any event, to make sure you're covered for the costs of restoring the property to that original condition following some untoward event.

If my landlord has already taken out Home Insurance, do I still need to take out insurance, too?

Actually, yes; your landlord’s policy does not cover damage to the rented home for which you are responsible.

Even if your lease contract includes a 'waiver of recourse' option, we still recommend that you cover your liability as a tenant. Because, what if your landlord cancels their policy? Or the damage spreads to your neighbours, and this isn’t covered by your landlord’s policy?

We also recommend including cover for your personal belongings (furniture, clothing, PC, ...) in your Home Insurance policy. Learn more about our home contents insurance.

If I am renting a home with friends, will it suffice to take out just one Home Insurance policy?

Yes. Any other individuals living with the policyholder are also covered under the Home Insurance policy.

If any damage is caused by a leak in a water pipe, who should claim on their insurance, me or my landlord?

As a tenant, you are usually not liable for a leak in a water pipe.Your landlord is responsible for taking this up with their insurer. Be sure to inform your landlord of the leak as soon as possible.

How do I determine the value of my home contents?

You don’t need to determine the value of your home contents yourself.
The contents of your home are insured up to 200,000 euros. The compensation for each individual object is 15,000 euros.

Are my home contents also covered if they have been temporarily relocated?

Items intended for your private use which you have temporarily moved elsewhere are also covered.
For example:

  • Your luggage during a holiday
  • Items you carry on your person

Any items your children take with them to their lodgings, or any home contents you move to a retirement or care home, are also always covered under your Home Insurance policy.

Is bicycle theft covered?

A bicycle is part of your home contents and is covered under your home contents insurance, provided the bicycle was located at the address of your main residence when it was stolen. Theft of your bicycle from a different location is not covered, unless you have taken out separate bicycle insurance.

Home Insurance for landlords

2. Home Insurance for landlords

Is my home automation system covered?

Yes, home automation is covered under your Home Insurance policy.

If any damage is caused by a leak in a water pipe, who should claim on their insurance, me or my tenant?

Your tenant is usually not liable for a leak in a water pipe. As the landlord, you should take this up with your insurer.

Do you cover the additional costs of the repair works if new building regulations must be met?

We provide compensation based on the reconstruction value; i.e. the cost to rebuild the home, as at the date of the claim event, with comparable materials.
You are not required to rebuild your home. If you do choose to rebuild your home, the competent authority can impose specific building regulations in the planning permission granted or for your duty to report. We also cover the resulting additional costs, if applicable. These additional costs can never exceed the compensation you receive to rebuild your home. In other words, as a maximum, we double the compensation for the damage to your home.

Is damage to solar panels covered?

Solar panels installed on your roof or in your garden are part of your home and are automatically insured against all risks.

What happens to my rental income if the home I am renting out burns down?

If the home you are renting out becomes uninhabitable, due to, for example, fire or flooding, we will cover the loss you sustain as the owner as a result of being temporarily unable to rent out the building. You will receive this compensation during the period necessary for the reconstruction of your home.

Home Insurance for owners

3. Home Insurance for owners

Is my home automation system covered?

Yes, home automation is covered under your Home Insurance policy.

How do I determine the value of my home contents?

You don’t need to determine the value of your home contents yourself.
The contents of your home are insured up to 200,000 euros. The compensation for each individual object is 15,000 euros.

Do you cover the additional costs of the repair works if new building regulations must be met?

We provide compensation based on the reconstruction value; i.e. the cost to rebuild the home, as at the date of the claim event, with comparable materials.
You are not required to rebuild your home. If you do choose to rebuild your home, the competent authority can impose specific building regulations in the planning permission granted or for your duty to report. We also cover the resulting additional costs, if applicable. These additional costs can never exceed the compensation you receive to rebuild your home. In other words, as a maximum, we double the compensation for the damage to your home.

Is damage to solar panels covered?

Solar panels installed on your roof or in your garden are part of your home and are automatically insured against all risks.

Are my home contents also covered if they have been temporarily relocated?

Items intended for your private use which your have temporarily moved elsewhere, are also covered.
For example:

  • Your luggage during a holiday
  • Items you carry on your person

Any items your children take with them to their lodgings, or any home contents you move to a retirement or care home, are also always covered under your Home Insurance policy.

However, items which are situated in a different location than yourself are not regarded as having been ‘temporarily moved’ and must be included in the cover taken out for that other location.

Is bicycle theft covered?

A bicycle is part of your home contents and is covered under your home contents insurance provided the bicycle was located at the address of your main residence when it was stolen. Theft of your bicycle from a different location is not covered, unless you have taken out separate bicycle insurance.

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