Top Home Fire Insurance

Whether you are a homeowner or a tenant, Top Home Insurance gives you peace of mind, as your belongings and property are in safe hands.

In brief, what is it?

Your home, or your place in the sun. As a homeowner or tenant, you can rely on a fire insurance that is truly customised to your needs to protect the things that are dear to you. A mishap can occur much faster than you think…

The weather takes its toll and floods hit your home…
A romantic candlelit dinner damages your rented apartment…
Your garden shed ends up in your neighbour’s garden during a storm…

But don’t panic. Top Home Insurance is a comprehensive fire insurance that is truly customised to the risks associated with your home.

If you are planning to buy a property, the policy also entitles you to a reduced interest rate when applying for a Hello Mortgage.

  • Customised protection
  • Online & transparent price simulation
  • Online application: simple and quick with no appointment required
  • Insurance by AG Insurance

Personalised protection

Your home and its content are insured and protected to suit your needs.

Top Home Insurance is a fire insurance product offered on behalf of AG Insurance by Hello bank!, the mobile brand of BNP Paribas Fortis. This insurance contract (subject to Belgian law) is concluded for a period of one year with tacit renewal for a period of 1 year, unless either one of the parties objects in the legal forms at least 3 months before the end of the contract.

What are the principal risks covered by the policy?

  • Damage to insured goods caused by one of the risks insured by the basic cover, for example, fire, water damage, electricity, storm, hail, pressure of ice and snow, broken glass and natural disaster
  • Your liability for material and physical damage to third parties caused by your insured goods
  • Assistance in case of insured loss events and reimbursement of certain costs related to an insurance claim, e.g. costs arising from urgent and reasonable measures taken on your own initiative to avoid damage in the event of imminent danger
  • Damage to the insured property as a result of vandalism, malicious intent, thieves or theft of parts of the property such as solar panels

What are the principle risks not covered by the policy? 

  • Damage caused intentionally by the insured party
  • Damage to motor vehicles 
  • Damage to a dilapidated building or a building scheduled for demolition
  • Damage caused by non-compliance with an obligation stipulated in the agreement regarding the physical condition or the provision of protection for the insured goods, provided that this non-compliance is causally related to the claim.

The above lists are not exhaustive. The exact scope of the guarantees are set out in the General Terms and Conditions of this product, which you can find via the links below.

In case of damage, you can call 1 free number

We are at your service 24/7. 
The professional team of TeleClaims will do the everything to process your file as quickly as possible to swiftly resolve the issue.

How do I take out a Top Home insurance policy?

Whether you are a tenant or a homeowner, you can apply for a home insurance via your Hello bank! app or by phone, with your Hello team. First, you will receive a price offer followed by a contract offer including the calculation of your final insurance premium.

Are you planning to buy? Visit Hello home!. Make a simulation and discover the Hello Mortgage, the mortgage by Hello bank!. Your Top Home Insurance can even be linked to your new home.

The contract offer including your premium calculation will be sent to you by the Hello team.

Start your project

Top Home fire insurance is a product from AG Insurance SA/NV – Boulevard E. Jacqmain 53, B-1000 Brussels – Brussels Register of Companies – VAT BE 0404.494.849 – Belgian insurance company authorised under code 0079 under the supervision of the National Bank of Belgium, De Berlaimontlaan/Boulevard de Berlaimont 14, B-1000 Brussels.

Hello bank! is the mobile brand of BNP Paribas Fortis.
BNP Paribas Fortis SA/NV, Montagne du Parc/Warandeberg 3, B-1000 Brussels – Brussels Register of Companies – VAT BE 0403.199.702, is registered under No. 25.879A with the FSMA, Rue du Congrès/Congresstraat 12-14, B-1000 Brussels, and acts as a tied insurance agent for AG Insurance SA/NV.

For all questions or complaints, please contact the Hello team first.
Complaints can also be submitted to BNP Paribas Fortis SA/NV Complaint Management (JQABD), Montagne du Parc/Warandeberg 3, B-1000 Brussels, fax 02 228 72 00 or to AG Insurance SA/NV, Complaints Management, Boulevard Emile Jacqmain 53, B-1000 Brussels, or by email to: You may also submit your complaint to the Insurance Ombudsman, Square de Meeûs/De Meeûssquare 35, 1000 Brussels – Tel.: 02 547 58 71 – Fax: 02 547 59 75 –

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