Is fire insurance legally required? For rented housing in the Flemish Region it is mandatory for the tenant. For owners there is no general legal requirement, though most mortgage lenders require fire insurance as a condition.

What's the difference between basic and extended fire insurance? Basic cover generally includes fire, storm and water damage. An extended policy adds further guarantees, such as glass breakage or vandalism.

Is flood damage always covered? That depends on the location of your building and its flood risk. We check this specifically when arranging your policy.

How is my building's rebuild value determined? Based on the type, floor area and finish of the building. A correct assessment is important to avoid being underinsured.

Can KBRS review our existing fire insurance? Yes. We review your current cover for scope, exclusions and price, and show where adjustments make sense.

What should I do in case of fire or storm damage to my building? Contact KBRS. We help with the notification, put together the file and follow the settlement with the insurer.