Is fire insurance mandatory for the tenant?

Not legally, but most leases require it. The tenant is liable for damage caused by fire unless they prove force majeure. Tenant liability insurance is therefore strongly recommended.

What is the difference between the landlord's and the tenant's insurance?

The landlord's insurance covers the building (walls, roof). The tenant's insurance covers their liability (damage they cause to the property), their contents and neighbour recourse.

What to do in case of a claim in the property?

1. Secure the premises and call emergency services if necessary. 2. Notify the landlord immediately. 3. Report the claim to your insurance within 48 hours (8 days for theft). 4. Keep evidence (photos, invoices).

FAQ — Insurance

Fire insurance, tenant liability, obligations — all answers about rental insurance in Belgium.

3 questions

Not legally, but most leases require it. The tenant is liable for damage caused by fire unless they prove force majeure. Tenant liability insurance is therefore strongly recommended.

Full answer
The landlord's insurance covers the building (walls, roof). The tenant's insurance covers their liability (damage they cause to the property), their contents and neighbour recourse.

Full answer
1. Secure the premises and call emergency services if necessary. 2. Notify the landlord immediately. 3. Report the claim to your insurance within 48 hours (8 days for theft). 4. Keep evidence (photos, invoices).

Full answer