Home insurance, often called fire insurance, protects your home and its contents against the main risks: fire, water damage, storm, theft or broken glass. In Belgium it is mandatory for tenants and required by the bank for a mortgage loan.
LC Credins, a digital broker in Antwerpen, compares formulas from several insurers to offer you coverage suited to your house or apartment, at a fair price.
What this solution covers
- Fire, explosion, lightning and smoke
- Water damage and broken glass
- Storm, hail, natural disasters
- Theft and vandalism (optional)
- Building liability and private (family) liability
- Temporary rehousing after a claim
Who is it for?
We insure owner-occupiers, landlords and tenants, whether for a house, an apartment, a studio or an investment building. For an accurate quote, we ask about the type of home, the floor, the number of rooms, and whether there is a terrace larger than 4 m², a cellar or a garage.
How we compare offers
As an independent digital broker, LC Credins is not tied to any insurer. For your home insurance, we put several offers side by side and compare them on objective criteria: scope of cover, insured amounts, deductibles, exclusions, waiting periods, claim-handling quality and total cost over time. You receive a simple, jargon-free summary with our reasoned recommendation. Our goal is twofold: to save you time and to help you achieve a real saving, without sacrificing the quality of your cover.
The process, step by step
1. Your request online
You fill in our quote form in a few minutes and attach your ID card and, if you have one, your current contract. No appointment is needed: everything is done online, at your own pace.
2. Analysis of your situation
An LC Credins advisor reviews your file, checks your actual needs, and contacts you if any information is missing. We only propose what is genuinely useful to you.
3. Comparing the offers
We approach several partner insurers and institutions, then compare cover, deductibles, exclusions and total cost — not just the advertised premium.
4. Signing and follow-up
You receive a clear recommendation, usually within 24 business hours. After signing, we remain your single point of contact for changes and claims.
Frequently asked questions
Does a tenant need to be insured?
Yes. Since 2018, tenants in Belgium are legally required to insure against fire and water damage they could be held responsible for.
How is the premium calculated?
The premium mainly depends on the rebuilding value, the number of rooms, the location and the options chosen, such as theft cover or legal protection.
Is the content of my home covered?
Contents can be insured in addition to the building itself. We help you estimate their value to avoid being under-insured.
Can I combine home insurance with family liability cover?
Yes, many insurers offer private liability cover as an advantageous option within the home insurance contract.
Ready to save?
Free, no-obligation quote, reply within 24 business hours.