Contact one of our experts to take advantage of this offer.
Top Habitation Fire Insurance is a Belgian 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.
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:
As a landlord*, your investment deserves tailored protection. Top Habitation fire insurance provides just that.
The fire insurance policy taken out by your tenant, as a legal requirement, covers the actual value of your property. By taking out your own fire insurance policy, additional costs related to compliance with new legal (and regional) standards are also covered.
Your property is also insured if it is not being let out, i.e. if it is temporarily unoccupied.
If you have a problem, a specialist is available day and night to help you make a claim. One phone call and we take immediate action to secure the property: covering a damaged roof, sealing a leak etc.
* For a property in Flanders, if it is the tenant’s main residence and the lease began on or after 1 January 2019, you are now required to take out fire insurance.
fire, explosion and implosion, lightning, storm, and hail, and electrical events (such as a short circuit), including search and repair costs in the event of a gas leak and search costs to detect the cause of electrical damage
natural disasters (flooding including rainwater runoff, overflow and backflow of public sewers, earthquake, landslide or subsidence)
water damage and oil damage, including leak detection, pipe repair and dry rot treatment
damage to the building through vandalism, malicious acts or acts committed by thieves, and theft of building parts (solar panels etc.)
breakage of glass (windows, solar panels etc.)
damage caused to third parties
damage originating from your property and extending elsewhere (e.g. a fire that damages a neighbouring property)
normal rental wear and tear such as scratches on kitchen cabinets, damaged wallpaper etc.
damage to a dilapidated or condemned building
damage intentionally caused by the policyholder
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 until the bottom of the page 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.
Fire legal protection insurance is an additional cover to AG’s Top Home fire insurance. You receive legal advice through Providis, our specialist partner.
As a landlord, you can include the 'waiver of recourse' option in your own AG Top Home fire insurance for the rented property.
Renting out a house or flat intended as your primary residence? You can then extend your Top Home policy with the Landlord pack:
Full details of this optional cover are available in the Landlord pack information and commercial documents.
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 - info@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.
