Top Habitation
Home Insurance Policy

For who?

• I am a tenant in an apartment or a house

  Your Top Habitation insurance policy combines the following covers: building, content, theft and legal protection.

  For example, in the event of damage, it covers:

  • Damages to the building itself and its service quarters (such as a garage for instance) for which you are responsible. For other types of damages to the building, your landlord's insurance will provide cover.
  • The contents of your home, such as all personal (furniture, clothing, TV...) and professional belongings (lap-top, smart phone, good or equipment brought back home but used to exercise a profession pursued elsewhere).

  You also benefit from legal protection for non-covered risks. This is for defending your interests and paying the fees of a counsel if you are involved in a dispute with the person responsible for the damage. You also get legal assistance for disputes with your insurer, if you do not agree with the amounts defined by the claims adjuster for example.

• I own the property where I live

  Your Top Habitation insurance policy combines the following covers: building, content, theft and legal protection.

  For example, in the event of damage, it covers:

  • Damages to the building itself and its service quarters (such as a garage for instance).
  • The contents of your home, such as all personal (furniture, clothing, TV...) and professional belongings (lap-top, smart phone, good or equipment brought back home but used to exercise a profession pursued elsewhere than at home).

  You also benefit from legal protection for non-covered risks. This is for defending your interests and paying the fees of a counsel if you are involved in a dispute with the person responsible for the damage. You also get legal assistance for disputes with your insurer, if you do not agree with the amounts defined by the claims adjuster for example.

• I am the owner of an apartment with a co-ownership building insurance and where I live/will live

  Your Top Habitation insurance policy combines the following covers: content, theft and legal protection.

  For example, in the event of damage, it covers:

  • The contents of your home, such as all personal (furniture, clothing, TV...) and professional belongings (lap-top, smart phone, good or equipment brought back home but used to exercise a profession pursued elsewhere than at home). You also benefit from legal protection for non-covered risks. This is for defending your interests and paying the fees of a counsel if you are involved in a dispute with the person responsible for the damage.

  You also get legal assistance for disputes with your insurer, if you do not agree with the amounts defined by the claims adjuster for example. The building portion of your apartment is already covered by the co-ownership insurance policy.

• I am the owner of a property that I rent out

  Your Top Habitation insurance combines the following coverage: content and legal protection.

  For example, in the event of damage, it covers:

  • Damages to the building itself and its service quarters (such as a garage for instance).

  You also benefit from legal protection for non-covered risks. This is for defending your interests and paying the fees of a counsel if you are involved in a dispute with the person responsible for the damage. You also get legal assistance for disputes with an online rental platform such as Airbnb or with your insurer, if you do not agree with the amounts defined by the claims adjuster for example.

  Your tenant must take charge of her/his rental liability, contents and theft in a separate insurance contract.

• I am building a home

  We offer legal protection and construction coverage for the entire construction period of your future home. What’s more, the 6 first months of the construction coverage are free! Please note that some of the guarantees of Top Habitation are not applicable to homes under construction. Contact the Hello Team for more information.

  Once the building is completed, you will have to adapt your insurance contract according to your situation. Are you moving in? Purchase a contents and theft coverage if you don’t have one yet. Are you renting out your place? The tenant must subscribe to an insurance policy for the contents, theft and must obtain rental liability insurance.