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LR FINANCES30YEARSOF TRUSTSince 1997

For individuals

Home insurance

Whether you own or rent, house or flat: home insurance protects the building, its contents, and you against damage caused to neighbours. When you borrow to buy, the lender requires the property to be insured against fire.

Receive an offer

Tell us what you want to insure. We'll come back to you with a priced proposal.

Our partner insurers

  • AXA
  • AG
  • NN
  • Allianz
  • Cardif
  • Baloise
  • DKV
  • DAS
  • Vivium
  • AFI ESCA
  • Patronale Life
  • ARAG

Useful if

  1. 1You are buying a property and the lender requires fire insurance.
  2. 2You rent an apartment and need to cover your tenant liability.
  3. 3A leak at your place damages the ceiling of the neighbour below.

What the policy can cover

  • Fire, explosion and implosion
  • Water damage: leaks, burst pipes, seepage
  • Storm, hail, lightning and natural disasters
  • Electrical damage: short circuit, power surge
  • Building liability, for damage caused to third parties
  • Theft and vandalism, optional depending on the contract

The exact cover, excesses and exclusions depend on the insurer and the policy. We compare 12 insurers and give you an offer.

Owner or tenant: the same obligation, different needs

An owner insures the building and its contents against damage it might suffer. A tenant must at least cover their tenant's liability, that is, damage they might cause to the property they occupy, and can also insure their own furniture and belongings.

When you borrow to buy, the lender requires the building to be insured against fire before releasing the funds. This requirement appears in the loan offer, it is not simply a recommendation.

What a good policy really checks

Two policies showing the same premium can cover the same claim very differently: the insured value of the building, the excess, exclusions on certain types of water damage, the reimbursement cap for contents. We compare these elements, not just the headline price.

Requesting a home insurance quote

Tell us whether you own or rent, the size and use of the property, and whether a mortgage is in place or planned. We compare our partner insurers and come back to you with a priced proposal.

What our clients say…

Read all reviews on Google
  • Je suis vraiment très contente du service que j’ai reçu. Toute l’équipe a fait preuve d’un grand professionnalisme et d’une vraie qualité de service du début à la fin. Je me suis toujours sentie accompagnée et soutenue, avec une présence constante et beaucoup d’attention à mes besoins. On sent que chacun donne son maximum pour satisfaire les clients, et cela fait toute la différence. Je tiens à remercier tout particulièrement le courtier Monsieur Kubat Ali pour son professionnalisme, sa disponibilité et son accompagnement tout au long du processus. Son écoute et son implication ont été très appréciées. Un grand merci à toute l’équipe pour leur gentillesse et leur travail de qualité. Je recommande vivement !

    Sirin Yildirim

  • Merci beaucoup à Pinar pour tous les démarches qu'elle a effectuée pour l'obtention de notre crédit! Dès le début elle a été présente, et une personne de confiance. De nos jours c'est tellement difficile de trouver un gestionnaire qui suit parfaitement ces dossiers pour la satisfaction du client. Merci encore!

    Ciftci Baris

  • Excellent service, bon accueil, toujours disponible avec ses clients. Merci à vous Monsieur Bayram. Vous êtes quelqu'un d'exceptionnel et gardez toujours votre sourire et votre hospitalité. Franchement à recommander.

    Chris Luedi

Who will call you back?

Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.

  • Rüstem Liman

    Rüstem Liman

    Financial manager

  • Pinar Mugla

    Pinar Mugla

    Sales associate, mortgages and insurance

  • Ali Kubat

    Ali Kubat

    Mortgages

  • Bayram Cakir

    Bayram Cakir

    Mortgages

  • Bahar Celik

    Bahar Celik

    Instalment loans

  • Tolga Demirkazik

    Tolga Demirkazik

    Insurance account manager

  • Sinan Yilmaz

    Sinan Yilmaz

    Insurance account manager

  • We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.

    02 203 24 34

Your questions

Do I have to insure my home?

For an owner there is no general legal obligation, but a mortgage lender requires fire insurance before releasing the funds. A tenant must at least cover their tenant liability, which the lease often requires.

What does the policy cover in case of water damage?

Depending on the contract, damage from a leak, a burst pipe or seepage, at your place or at a neighbour’s. Exclusions and the excess vary from one insurer to another, which is what we compare.

Do I need to insure the contents as well as the building?

They are two separate covers. The building is insured by the owner, the contents (furniture, appliances, personal belongings) by the occupant, owner or tenant. We check the contents reimbursement limit.

Is theft always covered?

No, it is an optional cover depending on the contract. Describe your home and what you want to protect, and we compare the terms of our partner insurers.

Our other insurance products

For the self-employed and businesses