Is fire insurance mandatory in co-ownership?
Building fire insurance is generally mandatory and managed by the syndic.
Pro Syndic
Voluntary Syndic
Co-owners
Federal rule — applies throughout Belgium
In Belgium, building fire insurance is almost always required by the statutes.
Coverage: Building, civil liability, water damage, storm, glass breakage.
Syndic role: Subscribe and manage, declare claims.
Individual insurance: Each co-owner insures their contents.
Klarencia centralises insurance policies and facilitates claims.
Legal references
Article 3.89 Civil Code Insurance Law of 4 April 2014
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Disclaimer
The information provided is for informational purposes only and does not constitute legal advice. If in doubt, consult a qualified professional (solicitor, notary, accountant, or IPI-accredited professional syndic). Klarencia is a management tool and does not replace professional advice.