Home Protect is an all-in-one insurance package designed for both homeowners and tenants. It combines several essential coverages into one policy to provide broad protection for your home, belongings, and personal liability.
What's typically included?
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Basic Insurance (the core of the policy), covering:
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Fire and Other Insurance: Protection against fire, smoke, explosion, lightning, electricity damage, burglary, vandalism, and even damage caused by emergency services.
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Water and Fuel Oil Damage
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Storm, Hail, Snow, and Ice Damage
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Natural Disasters
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Glass Breakage
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Civil Liability (Building): If your building causes damage to others, this covers your legal liability.
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All Risks Computer Coverage
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Home Exchange & House-Sitting
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Room Rental in Your Home
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Optional Add-ons:
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Theft & Vandalism extensions
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Surround Package for even broader protection
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Services & Extras:
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Baloise Assistance for emergencies
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Legal Protection for building disputes or family liability issues
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Who is it for?
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Homeowners
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Tenants looking for both contents and liability protection
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People who rent out rooms or exchange homes
2. Fire Insurance – A core component of Home Protect
Fire Insurance is not a standalone product in this context but rather a core coverage inside Home Protect. When people talk about “fire insurance,” they usually mean this part of the policy.
What does it cover?
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Damage from fire, smoke, and scorching
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Lightning strikes, explosions, implosions, and power surges
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Electricity-related damages (e.g. short circuits damaging appliances)
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Contact damage from vehicles, falling trees, etc.
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Burglary, theft of building parts, vandalism
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Emergency response damage (e.g. firefighters breaking down a door)
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Gas leak detection costs
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Labour conflicts, attacks, terrorism
Is it mandatory?
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In some regions (e.g. Flanders and Wallonia), fire insurance for the building is legally required for tenants or landlords.
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Even when not mandatory, it's strongly recommended.
Who is it for?
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Homeowners (mandatory or advisable)
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Tenants (in regions with legal requirements or landlord obligations)
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Anyone needing protection from unexpected structural damage
3. Tenant liability insurance – A must-have for renters
Tenant Liability Insurance specifically covers your responsibility as a tenant if you accidentally cause damage to the rental property. It protects you from the financial consequences of being liable for damage to the landlord’s property.
Why is it important?
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Under civil law, tenants are presumed liable for any damage they cause to a rented home.
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This insurance ensures that if you cause covered damage (like fire or water damage), the insurer pays—not you.
How is value determined?
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The insured value is based on the actual value of the building, calculated as the new value minus wear, tear, and depreciation.
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You must declare this value accurately to avoid being underinsured.
Who is it for?
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Anyone renting a home or apartment
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Required by many rental agreements or regional laws.
Keep in mind
If anything happens, please call the 24/7 emergency assistance service for help. Then, always fill out the online claim form to submit a claim—even if you’re not sure whether it’s covered. That way, we can keep a clear record and take a closer look at your situation. Just remember to keep any relevant receipts or official documents, like a police report in case of theft, to help support your claim.