For owners, fire insurance is usually not legally required, but banks often request it when taking out a mortgage loan. For tenants, fire insurance is generally mandatory in Flanders and Wallonia.
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Fire insurance
Your home is probably one of your most important possessions. A fire insurance policy protects you against the financial consequences when your home or belongings are damaged by unexpected events such as fire, storm, or water damage.
At Van Dessel, we help you put together the right home insurance. This way, you are not only insured against fire, but also against many other risks that could affect your home or personal belongings. Together, we will determine which coverage best suits your home, your family, and your situation.
What is a fire insurance policy?
A fire insurance policy, also known as home insurance, protects your home and its contents against damage caused by, among other things, fire, water, storm, or natural disasters.
The insurance can cover various items:
- The house itself (the building)
- Your household contents such as furniture, appliances, and personal belongings
- Your liability towards third parties, for example when damage spreads to your neighbors’ property
Although the name suggests otherwise, fire insurance covers much more than just fire damage. It is the basic protection for anyone who owns or rents a home.
What are the benefits?
Covers damage caused by fire, smoke and explosion to your home and its contents.
Covers damage caused by storms, hail, lightning and natural disasters such as floods.
Covers water damage caused by, for example, leaks, burst pipes or domestic appliances.
Covers your liability towards third parties if damage spreads to other homes or properties.
Who is this insurance for?
A fire insurance policy is relevant for anyone who owns, rents, or leases out a home.
Typical situations where this insurance is important:
- Owners of a house or apartment who want to protect their building and contents
- Tenants who can be held liable for damage to the rented property
- Landlords who want to insure their property against damage or liability
- Owners of a second residence who want to protect their real estate against unexpected damage
Although a fire insurance policy is not always legally required for owners, in practice it is often requested by banks when taking out a mortgage loan.
What is covered and what is not?
What is covered?
- Damage caused by fire, explosion or lightning strike
- Water damage caused by leaks or burst pipes
- Storm, hail and snow damage
- Natural disasters such as floods
- Glass breakage
- Damage to third parties caused by your home
What is not covered?
- Intentional damage
- Normal wear and tear or poor maintenance
- War or similar exceptional circumstances
How much does this insurance cost?
The premium for a fire insurance policy depends on various factors. Important elements include:
- The type of home (house, apartment, new build, renovation)
- The value and surface area of the building
- The value of your contents
- The selected coverages and extensions
- The location and risk profile of the home
Because every home is different, the premium also varies per situation. At Van Dessel, we analyze your home and your needs so that you receive a correct and competitive insurance policy.
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Our promise to you
Personal & committed
a tailor-made partner
Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
Expertise & experience
already 80 years in insurance
With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
Security & peace of mind
protection for today and tomorrow
We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Would you like to know which fire insurance best suits your home?
The specialists at Van Dessel Insurance Brokers will review with you:
- Which risks are best insured
- What coverage you need
- How to avoid over- or under-insurance
This way you gettailor-made fire insurance, suited to your home and your family.
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