Contact one of our experts to take advantage of this offer.
Top Habitation Fire Insurance is a Belgian-law fire insurance policy for buildings and contents distributed by BNP Paribas Fortis. The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date.
For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it. In addition, from the second year onwards, you can cancel the policy at any time. Cancellation will take effect at the end of a 2-month period starting the day after notice is given by registered mail or served upon us, or the day after we provide an acknowledgement of receipt.
Enjoy tailored protection for your home and its contents. The insurance covers you, among other things, in the event of:
If your home or apartment is damaged, you will receive compensation quickly, and you can get assistance 24/7.
You can combine different discounts until 31 December 2026 for each new Top Habitation fire insurance contract- only 'Total Customer Insurance’ and 'Welcome Gift' cannot be combined.
Take advantage of a 10% discount¹ throughout the term of your contract – provided it remains unchanged². You will receive the discount if you, your spouse or your legal or de facto cohabitant also have at least one active contract with BNP Paribas Fortis for one of the following AG insurance policies:
You will receive a 10% discount on the first annual premium of your new contract if you do not meet the requirements for the 'Total Customer Insurance'² discount.
You get a 5% discount¹ for the entire term of your new contract – provided the contract remains unchanged² – if you have invested (or invest within 12 months) in energy-efficiency upgrades for your home, such as solar panels, a heat pump and/or a wind turbine for private use. This discount also applies if you have a home with an EPB score of A+, An or B in Flanders and Wallonia, or A, B or C in Brussels³.
Do you need a new PEB/EPC certificate, an asbestos certificate or an electrical inspection for your home? Count on SoSimply.
If you take out a new Top Home fire insurance policy for a single-family home, a furnished apartment, or an apartment building, or if you modify the risk (risk situation, policyholder status, building type, etc.) in an existing contract between 1 October and 15 November 2026 inclusive, you’ll receive the free Home & Assist+ Pack and Theft+ Pack for the entire contract duration—provided the risk remains unchanged.
This offer can be combined with the Client Complet Insurance benefits, Welcome Gift, and AG EcoBonus.
This offer is only available by appointment at a BNP Paribas Fortis branch, a Bpost office, or through the Easy Banking Centre at +32 2 762 20 00.
Please read the information document to learn about all the risks covered and not covered.
1 This discount is not applied when you create an offer online via “Simulate and request”. Call the Easy Banking Centre on +32 2 433 41 30 or make an appointment to have the discount applied.
2 This discount is valid for new contracts and existing contracts for which you have the risk modified (risk location, policyholder status, type of building, etc.), covering a detached house, a (furnished) apartment or an apartment building, for the entire term of your new contract - provided the contract remains unchanged.
The discount applies to all policies taken out, except for the Natural Disasters policy for homes located in areas at significant risk of flooding (tariffs set by the “Tariff Bureau”).
3 This discount may only be granted if at least one of the following conditions is met at the time the contract is signed or within 12 months:
The Top Habitation fire insurance policy offers many benefits: discover them below.
For the basic cover, anything that is not excluded is covered in accordance with the terms and conditions of each guarantee.
Your home is always insured at its current reconstruction value. Additional costs arising from compliance with new legal and regional standards will also be covered. You can also get 100% compensation even if your home is not rebuilt.
If AG considers that the circumstances of the claim allow it, you may be offered a repair in kind. In this case, AG will pay the full cost of repairing the damage: you won’t have to pay anything, not even an excess. The repair also comes with a six-month warranty. You always have the option to refuse the proposed repair in kind.
If you're going on holiday with your car, and your boot is full of your personal belongings to ensure a pleasant stay abroad, it’s good to know that contents that you take temporarily away from home are covered worldwide!
If you're renting a student room, a second home, holiday accommodation or a party venue, these are also covered. The fire insurance policy for your main residence covers you against damage to any of these buildings and their contents.
fire, explosion and implosion, lightning, storm and hail, electrical events (short circuit etc.)
natural disasters (floods, including rainwater runoff, overflow and backflow of public sewers, earthquakes, landslides or subsidence)
water damage (including leak detection, pipe repair and dry rot treatment) and damage caused by heating oil
damage to the building through vandalism, malicious acts or acts committed by thieves, theft of parts of the building (solar panels, electric vehicle charging points etc.)
breakage of glass (windows, TV screens, solar panels etc.)
material damage and physical injury caused to third parties by your home or its contents (building liability cover)
damage originating from your home or contents that extends and causes damage to others, such as a fire that spreads to a neighbouring house
assistance with damage covered by your insurance, along with urgent measures to limit the damage
coverage of certain urgent expenses to prevent the damage worsening, and other expenses such as the cost of temporary accommodation
damage caused intentionally by the policyholder
damage to a dilapidated or condemned building
damage caused to motor vehicles (this refers to damage caused, among other things, to a vehicle, a scooter or a motorcycle with an engine of over 50 cm³/4kW)
damage caused by non-compliance with an obligation imposed in your insurance policy and concerning the insured property’s material condition or protection arrangement
Please read the information document before subscribing to the insurance. The following documents provide additional details about Top Home insurance:
For any complaints regarding our products and/or services, you can get in touch with your usual point of contact, use our complaint form, or reach out to BNP Paribas Fortis, Complaints Management Service, Montagne du Parc 3, 1000 Brussels, tel. +32 2 228 72 18, or email gestiondesplaintes@bnpparibasfortis.com. Further details are available on www.bnpparibasfortis.be/complaint and via the AG Insurance website (www.aginsurance.be).
If you are not satisfied with the proposed solution or do not receive a response within the expected timeframe, you may file a complaint with the Ombudsman des Assurances (Insurance Ombudsman). This can be done online via their complaint form, by email (info@ombudsman-insurance.be) or in writing (Ombudsman des Assurances, Square de Meeûs 35, 1000 Brussels). You may also lodge your complaint directly with this body.
The personal data provided by the policyholder is processed by AG SA.
After logging in, get a no-obligation quote for your fire insurance.
Complete your contract with the help of one of our experts by booking an appointment at a BNP Paribas Fortis branch, a Bpost office, or through the Easy Banking Centre at +32 2 762 20 00.
Sign your contract at a BNP Paribas Fortis branch or a Bpost office.
Read the information below before you
Accidents happen ... Our specialists are available 24/7. They will support you every step of the way, from the initial emergency measures to the processing of your claim.
Extreme rainfall, heavy hailstorms, wind gusts, violent storms... What happens if a natural disaster endangers you, your family or your property? Learn how to minimise damage and respond effectively when the unexpected happens.
Please read the information document before taking out the insurance.
With the Theft+ pack, you can extend the coverage of your AG Top Home insurance with theft cover.
With the Garden pack, you can extend the coverage of your AG Top Home insurance to your garden and/or the furnished terrace of your apartment.
This coverage is an optional supplement to AG Top Home fire insurance for homeowners.
Please read the information document before taking out the insurance.
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – https://www.aginsurance.be/. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
Intermediary: BNP Paribas Fortis SA/NV - Montagne du Parc 3, 1000 Brussels - https://www.bnpparibasfortis.be -Brussels Register of companies, VAT BE0403.199.702, registered with the FSMA under this number, rue du Congrès 12-14, 1000 Brussels, and acting as a insurance agent.
