Top Habitation
Home Insurance Policy

Product home insurance

In brief, what is it?

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 rental liability in case of damage to your holiday home(s) or the accommodation rented for your children (such as student lodgings for instance).

Depending on your situation (tenant, owner, leaser), your insurance consists of a combination of various covers: 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).

Which are the main risks covered?

  • Cover for damages caused to the building and/or contents, including fire, water damage, electricity, thunderstorms, hail, snow and ice pressure, glass breakage and natural disasters.
  • Cover for material and bodily damages caused by your goods to third parties.
  • Payment of damages to buildings in the event of vandalism, malice or the intrusion of thieves, as well as theft of a part of the building, such as solar panels for instance.
  • 24-hour assistance in the event of a loss.

Which are the main non-covered risks?

  • Loss intentionally caused by the insured person.
  • Damages intentionally caused to motor vehicles.
  • Damages caused to an abandoned building or an edifice destined for demolition.
  • Damages directly incurred by non-compliance to an obligation imposed by the contract (for example, protection of insured goods).

Download the documents

Please note that list is non-exhaustive. To find out more about the detailed extent of the guarantees, please refer to the General Conditions of the Top Habitation insurance or contact the Hello team.
Download our pre-contractual information

Look here, we'll explain everything "for real"!

For who?

  • Your Top Habitation insurance policy combines the following covers: building, content, theft and legal protection.

    For example, in the event of damage, it covers:

    • Damages to the building itself and its service quarters (such as a garage for instance) for which you are responsible. For other types of damages to the building, your landlord's insurance will provide cover.
    • The contents of your home, such as all personal (furniture, clothing, TV...) and professional belongings (lap-top, smart phone, good or equipment brought back home but used to exercise a profession pursued elsewhere).

    Moreover, you are also entitled to legal protection for non-covered risks. This is for defending your interests and paying the fees of a lawyer if you are involved in a dispute with the person responsible for the damage or still, 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:

    • Damages to the building itself and its service quarters (such as a garage for instance).
    • The contents of your home, such as all personal (furniture, clothing, TV...) and professional belongings (lap-top, smart phone, good or equipment brought back home but used to exercise a profession pursued elsewhere than at home).

    Moreover, you are also entitled to legal protection for non-covered risks. This is for defending your interests and paying the fees of a lawyer if you are involved in a dispute with the person responsible for the damage or still, 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:

    • The contents of your home, such as all personal (furniture, clothing, TV...) and professional belongings (lap-top, smart phone, good or equipment brought back home but used to exercise a profession pursued elsewhere than at home).

    The building quota of your apartment is already covered by the insurance policy of the co-ownership.
    Moreover, you are also entitled to legal protection for non-covered risks. This is for defending your interests and paying the fees of a lawyer if you are involved in a dispute with the person responsible for the damage or still, with your insurer if you do not agree with the amounts defined by the claims adjuster for example.

  • Your Top Habitation insurance combines the following covers: building and legal protection.

    For example, in the event of damage, it covers:

    • Damages to the building itself and its service quarters (such as a garage for instance). Your tenant must take charge of her/his legal protection, contents and theft in a separate insurance contract.

    Moreover, you are also entitled to legal protection for non-covered risks. This is for defending your interests and paying the fees of a lawyer if you are involved in a dispute with the person responsible for the damage, with an online rental platform such as Airbnb or still, with your insurer if you do not agree with the amounts defined by the claims adjuster for example.

What happens in the event of a claim?

In the event of a claim, call our 24/7, free telephone number to secure the assistance of a professional who will suggest two possibilities after a claim:

  • You receive financial compensation and organise the repairs yourself.

    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.

  • We organise and finance the repairs. In addition, you have a six-months guarantee on the works/repairs carried out.
For all questions and claims, please contact the Hello team directly on 02 433 41 45. Complaints may also be filed with BNP Paribas Fortis Complaints Management department, Montagne du Parc 3, 1000 Brussels, fax 02/2287200 or with AG Insurance Complaints Management Department (Boulevard E. Jacqmain, 1000 Brussels, tel.: 02 664 02 00, mail customercomplaints@aginsurance.be). If the solution proposed does not bring you complete satisfaction, please address your complaint to the Insurance Ombudsman, 35 square de Meeûs, 1000 Brussels. Tel.: 02/547 58 71 - Fax: 02/547 59 75 - www.ombudsman.as
AG Insurance sa - Bd E. Jacqmain 53, B-1000 Brussels - RPR Brussels - VAT BE 0404.494.849 - http://www.aginsurance.be/ Belgian insurance Company approved under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Brussels - RPR Brussels - VAT BE 0403.199.702, is registered as number 25.879A with the FSMA, rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance representative for AG Insurance sa.

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