Here’s the step-by-step process for getting home insurance in Belgium:
🏡 Home Insurance Process in Belgium
(Known as Woningverzekering in Dutch / Assurance habitation in French)
1️⃣ Assess Your Needs
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Decide if you need building-only coverage or building + contents (furniture, electronics, valuables).
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Check risks you want covered: fire, water damage, storm, theft, glass breakage, etc.
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If you rent, you usually insure contents only unless your lease says otherwise.
2️⃣ Compare Insurance Providers
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Popular insurers: AXA, Ethias, Belfius, AG Insurance, Allianz, ING Insurance.
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Compare premiums, coverage limits, deductibles, and extra benefits.
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Use comparison websites like Comparateur Assurances (FR) or Spaargids.be (NL) for quotes.
3️⃣ Request a Quote
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Provide details:
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Property type (apartment, house, villa)
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Size (m²), year built, location
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Value of building & contents
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Security features (alarm, locks)
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Any previous claims
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You can do this online, in person, or via a broker.
4️⃣ Submit Application
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Fill out the proposal form truthfully (incorrect info may void your policy).
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Attach supporting documents:
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Proof of property ownership or lease
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Mortgage details (if applicable)
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Inventory list for high-value items
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5️⃣ Policy Review & Approval
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The insurer checks risk factors (location crime rate, flooding zone, etc.).
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They send you:
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Policy document (contract)
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Coverage details & exclusions
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Premium payment info
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6️⃣ Payment & Activation
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Pay the first premium (usually yearly or monthly).
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Policy starts on the agreed date — often immediately after payment.
7️⃣ Keep Records
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Store your contract, receipts, and inventory photos in a safe place.
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Update the policy if you renovate or buy expensive new items.
💡 Tip: If you take out a mortgage, the bank might arrange home insurance for you — but you’re free to shop around for a better deal.
If you want, I can prepare a visual flowchart of this process so you can understand it in one glance.
Do you want me to make that?