Coverage of costs in legal proceedings
In the event of a conflict with the landlord regarding the (joint) rental, the Tenant Pack provides assistance in reaching an amicable solution. If this is not possible, the packs will cover the costs of proceedings, lawyers and experts involved in defending your interests. These costs are covered up to €75,000 for the Tenant Pack and €75,000 for the entire cohabitation for the Co-Tenant Pack.
For certain conflicts between co-tenants, the Co-Tenant Pack covers the costs of legal proceedings if no amicable settlement is possible.
You can find the maximum amounts covered in the sales document at the bottom of the page.
Temporary relocation indemnity
Are you unable to use the residence you are renting normally? Under certain conditions, the Tenant Pack and the Co-Tenant Pack allow you to benefit from a flat-rate compensation for a maximum of 10 days so that you can temporarily relocate. The amounts concerned are detailed in the commercial document below.
Advance on rental guarantee and early relocation indemnity
In certain cases (e.g. divorce or end of legal cohabitation), the Tenant Pack and the Co-tenant Pack allow you to receive, as an advance for the new rental guarantee, a maximum amount excluding charges equal to €3,000 per month for the Tenant Pack and €3,000 for the entire cohabitation for the Co-tenant Pack.
In addition, the Tenant Pack provides a contribution to cover any legal indemnity in the event of early termination of the tenancy and moving costs.
24/7 home assistance
In the event of an urgent problem, the Tenant Pack and the Co-Tenant Pack provide compensation to cover the repair costs (labour, material and travel costs).
The Tenant Pack also covers travel costs and the cost of the first 2 hours of labour up to a maximum of €400, without excess and up to 3 times per year.*
Cover in the event of the dismissal of the tenant or a flatmate following the bankruptcy of their employer
If you are dismissed as a result of your employer’s bankruptcy, the Tenant Pack grants you an indemnity equivalent to a maximum of €3,000 per month for tenants for 3 months and 2 months of rental guarantee capped at €3,000 per month (charges not included). For the Co-Tenant Pack, the indemnity is equivalent to the share of the dismissed co-tenant in the rent and a maximum of €3,000 per month for 3 months or 2 months of rental guarantee capped at €3,000 per month.
50% contribution to rental damage recorded in the inventory of the premises on leaving the property
If rental damage is established at the end of the tenancy, based on the inventory drawn up at the start and end of the lease, the Tenant Pack and the Co-tenant Pack will cover 50% of the cost of the damage (amount capped and subject to an excess of €5001).
Cover in the event of theft between co-tenants under the Co-tenant Pack
If Theft cover has been taken out for the contents, theft between co-tenants is covered under the as Co-Tenant Pack in the event of a break-in of the private area, with a formal complaint and police report. The waiting period is 4 months and the maximum cover is €3,000.
Disputes or claims directly or indirectly linked to any of the events or claims described in the general exclusions of AG’s Top Home insurance
Under the Legal Protection for Tenants or Co-Tenants cover: any dispute where it appears that the Insured has not complied with their obligation to pay rent and/or charges as stipulated in the tenancy agreement
Under the temporary rehousing guarantee: if the rented property is uninhabitable and/or inaccessible following an event or incident covered by fire insurance
As part of Home Assistance: repair or replacement of household and heating appliances (integrated or not), issues with fitted kitchens, and maintenance work
For the rental damage at the end of the tenancy agreement: progressive damage such as wear, rust, rot and deterioration resulting from gradual pollution, humidity or exposure to light
Please read the information document before subscribing to the insurance. You can find more information about Top Home fire insurance in the following documents:
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.
Do you want to insure the home you are renting? Make an appointment
Are you the owner of your home? In this case, the additional All Risk Home cover may be of interest to you.
The Tenant Pack and the Co-tenant Pack are optional supplements to the Top Home fire insurance from AG under Belgian law, and distributed by BNP Paribas Fortis. This is a contract with a term of 1 year with tacit renewal for the same term, unless cancelled no later than 3 months before the main maturity date.
For policies taken out or tacitly renewed from 1 October 2024, you have up to 2 months before the main maturity date to cancel them. In addition, as a consumer, you can cancel the contract at any time from the second year of insurance. Termination shall take effect at the end of a period of 2 months from the day following the deposit of the registered mail, delivery service, or date of the acknowledgement of receipt.
AG Insurance (abbreviated to AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM/RPR Brussels – VAT BE 0404.494.849 - Insurance company authorised under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 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.
