Fire insurance in 2025: what should you know and check?

Why take out fire insurance?

At its core, it covers damage caused by fire. But the protection goes much further: explosion, lightning, storm, natural disasters, collisions (even with animals), hail, weight of snow…
Note: no cover for intentional damage (like arson).

In addition to legal obligations (as in Flanders and Wallonia for rentals), fire insurance can also be required by contract, for example when taking out a mortgage loan.

What should landlords or tenants pay attention to?

• Landlords in Flanders are legally required to take out fire insurance. Often with a waiver of recourse against the tenant. That means the tenant doesn’t pay for unintentional damage.
• Tenants, on the other hand, are strongly advised to take out their own fire insurance. It covers their contents and their liability if something happens.

👉 In short: everyone has their own insurance, everyone has peace of mind. Fewer disputes, fewer worries.

And for co-owned buildings and building managers?

Every co-owned building must have a building manager, professional or voluntary. And that manager has to make sure the right insurances are in place:

• The building itself must be properly covered (fire insurance).
• The building manager must also have liability insurance. This protects them personally if something goes wrong in their management.

👉 More official info: Beheer van appartementsgebouwen – Vlaanderen.

Conclusion

Fire insurance is not a formality. It protects your building, but also you, as an owner, landlord, tenant, or building manager. Make sure you understand your obligations and that everything is in order. You’ll sleep much better at night.