faq
Find the answers to frequently asked questions here.
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Property Insurance Expertise
AVOV Services offers expert guidance on a range of property insurance plans covering tenant liability, fire, vandalism, burglary protection, glass damage, and more.
Our consultants are available around the clock to assist you in selecting the most precisely tailored protection for your property.
Whether you own or rent, trust that an insurance policy from AVOV Services will secure your property effectively.
We provide quotes for all available protections, ensuring you’re safeguarded against financial setbacks.
Benefits Of Property Insurance
Customize Your Property Insurance Package
With us, you can tailor your property insurance package to suit your needs, including all available extensions. Whether you're a property owner or a tenant, we've got you covered.
Tailored Solutions for Diplomats
As thousands of diplomats arrive in Brussels daily for work, ensuring their accommodations and embassy properties are properly insured is paramount. Whether it's a rented apartment, house, or villa, compliance with rental agreements and Belgian law mandates insurance coverage. For property owners in Belgium, fire insurance is a legal requirement. Rest assured - we provide tailored solutions to meet your needs without overpaying.
Comprehensive Coverage for International Professionals
Whether you're a European company employee based in Belgium, a member of an Embassy or Diplomatic Mission in Brussels, or an individual of European or non-European nationality working and residing in Belgium, we offer immediate solutions for your home insurance needs.
Accessible Home Insurance for All in Belgium
Our insurance partners offer a comprehensive range of home insurance options, including tenant liability, legal recovery, family liability, fire and water damage, vandalism, glass damage, and home assistance 24/7. These insurance solutions are accessible to diplomats, expats, and international workers, ensuring compliance with Belgian insurance laws.
Benefits Of Property Insurance
Customize Your Property Insurance Package
With us, you can tailor your property insurance package to suit your needs, including all available extensions. Whether you're a property owner or a tenant, we've got you covered.
Tailored Solutions for Diplomats
As thousands of diplomats arrive in Brussels daily for work, ensuring their accommodations and embassy properties are properly insured is paramount. Whether it's a rented apartment, house, or villa, compliance with rental agreements and Belgian law mandates insurance coverage. For property owners in Belgium, fire insurance is a legal requirement. Rest assured - we provide tailored solutions to meet your needs without overpaying.
Comprehensive Coverage for International Professionals
Whether you're a European company employee based in Belgium, a member of an Embassy or Diplomatic Mission in Brussels, or an individual of European or non-European nationality working and residing in Belgium, we offer immediate solutions for your home insurance needs.
Accessible Home Insurance for All in Belgium
Our insurance partners offer a comprehensive range of home insurance options, including tenant liability, legal recovery, family liability, fire and water damage, vandalism, glass damage, and home assistance 24/7. These insurance solutions are accessible to diplomats, expats, and international workers, ensuring compliance with Belgian insurance laws.
01
Understanding Buildings and Contents Insurance
Property insurance encompasses both buildings and contents insurance, each serving distinct purposes:
- Buildings Insurance: Safeguards the physical structure of your property, including outbuildings like sheds, against risks such as flood, fire, and subsidence.
- Contents Insurance: Protects the belongings within your home, covering items like furniture, electronics, and clothing from theft or damage caused by accidents.
While available separately, combining buildings and contents insurance with the same insurer streamlines the claims process for added convenience.
02
What should I do if something happens to my property – flood, burglary, storm damage?
In the event of significant damage, such as flooding or burglary, we arrange comparable alternative accommodation until your home is restored, based on your coverage limits.
If safe, take preventive measures to minimize damage, such as relocating furniture from standing water or shutting off the water supply to mitigate leaks.
03
Can you cover high-value items like art, antiques, jewellery?
Yes, ‘valuables’ are non-household goods, such as:
- Jewellery (including costume jewellery)
- Other things made of gold, silver or precious metals
- Cameras, camcorders or binoculars
- Watches
- Furs
- Paintings and other works of art
- Stamp, coin, or medal collections
Each insurance product has a different valuables limit, so you can choose the one to suit your needs.
- If you have any valuables worth more than €3,000 each, you’ll need to specify them when you get a quote.
- If you have valuables worth more than € 20,000 each, you may contact our assistant to find a more suitable custom plan.
04
Can you insure my second property?
Yes, second homes, holiday homes, and let properties can be insured under our special coverage.