The Top Habitation fire insurance covers all damages caused by fire, explosion, lightning, thunderstorm, natural disasters, water and electricity in and around your home.
It also covers your rental liability in case of damage to your holiday home(s) or the accommodation you rent for your kids.
Depending whether you are a tenant, owner, or leaser, your insurance combines various coverage: building, contents, theft and legal protection.
Top Habitation insurance is a product offered through AG Assurances and distributed by Hello bank!, BNP Paribas Fortis' mobile brand.
Top Habitation is a one-year contract under Belgian law renewable every year (except if one of the parties objects at least three months before the end of the contract).
Your Top Habitation insurance policy combines the following covers: building, content, theft and legal protection.
For example, in the event of damage, it covers:
You also benefit from legal protection for non-covered risks. This is for defending your interests and paying the fees of a counsel if you are involved in a dispute with the person responsible for the damage. You also get legal assistance for disputes with your insurer, if you do not agree with the amounts defined by the claims adjuster for example.
Your Top Habitation insurance policy combines the following covers: building, content, theft and legal protection.
For example, in the event of damage, it covers:
You also benefit from legal protection for non-covered risks. This is for defending your interests and paying the fees of a counsel if you are involved in a dispute with the person responsible for the damage. You also get legal assistance for disputes with your insurer, if you do not agree with the amounts defined by the claims adjuster for example.
Your Top Habitation insurance policy combines the following covers: content, theft and legal protection.
For example, in the event of damage, it covers:
You also get legal assistance for disputes with your insurer, if you do not agree with the amounts defined by the claims adjuster for example. The building portion of your apartment is already covered by the co-ownership insurance policy.
Your Top Habitation insurance combines the following coverage: content and legal protection.
For example, in the event of damage, it covers:
You also benefit from legal protection for non-covered risks. This is for defending your interests and paying the fees of a counsel if you are involved in a dispute with the person responsible for the damage. You also get legal assistance for disputes with an online rental platform such as Airbnb or with your insurer, if you do not agree with the amounts defined by the claims adjuster for example.
Your tenant must take charge of her/his rental liability, contents and theft in a separate insurance contract.
We offer legal protection and construction coverage for the entire construction period of your future home. What’s more, the 6 first months of the construction coverage are free! Please note that some of the guarantees of Top Habitation are not applicable to homes under construction. Contact the Hello Team for more information.
Once the building is completed, you will have to adapt your insurance contract according to your situation. Are you moving in? Purchase a contents and theft coverage if you don’t have one yet. Are you renting out your place? The tenant must subscribe to an insurance policy for the contents, theft and must obtain rental liability insurance.
In the event of a covered claim, call our free 24/7-telephone number to obtain the assistance of a professional who will offer two possibilities after a claim:
In most cases, we organise a remote video surveying of the damages or losses suffered with you to assess a claim, which means that you no longer have to wait for the visit of a claims adjuster.
If you're already a Hello bank! member, open the Hello bank! application, go to "Our Products" and perform a premium simulation.
Not a Hello bank! member yet? Contact the Hello Team.
Do you need home insurance within the framework of your Hello housing credit?
Perform a premium simulation when you do the credit simulation on Hello home!
As soon as we receive your request, the Hello Team will send you a Top Habitation insurance proposal.