Understanding co-living insurance in Belgium: A comprehensive guide

In Belgium, as in many European countries, there’s a noticeable trend: the surge in co-living or shared living spaces. Brussels, the heart of the country, has seen a significant rise in this living arrangement. Official statistics reveal that over 11% of rented properties are now shared accommodations. And if the increasing number of ads on social media and specialized platforms is any indication, this lifestyle choice is gaining traction rapidly.


Insurance for Tenants: A Brief Overview

Here’s a refresher for those new to the Belgian real estate scene: if you’re renting a property in Wallonia or Flanders, you’re legally obligated to have tenant insurance. In Brussels, while it’s not yet a legal mandate, more and more landlords are making it a requirement. The primary purpose of this insurance is to cover the tenant’s liability for any damages caused to the landlord’s property, neighboring properties, and even their own belongings, provided the policy includes content coverage.

How Does Co-living Change the Insurance Game?

Traditional tenant insurance typically revolves around a conventional family unit’s concept – either a single individual or a couple, with or without children. For such households, coupling tenant insurance with family insurance provides optimal protection. But what about shared accommodations or co-living situations? Here, individuals share a home without being considered a household in the strictest sense. Recognizing this gap, the Belgian insurer Ethias saw an opportunity and introduced a specific insurance product through its 100% digital offering named Flora.

What Does Ethias’s Co-living Insurance Offer?

Ethias’s co-living insurance is a no-deductible policy providing all co-living members with civil liability coverage. This means if any member causes damage to the shared property or neighboring homes, the insurance will cover it. This primary protection is further enhanced with content insurance, which steps in cases like water damage or fires.

For those particularly concerned about their belongings, there’s an optional add-on to safeguard against theft and vandalism. And in a unique twist, co-living members can also insure themselves against physical and material damages caused by one roommate to another.

Why is Co-living Insurance Essential?

1. Shared Responsibility: In a co-living situation, shared spaces mean shared responsibilities. If an accident occurs in a common area, determining who’s at fault can be tricky. Co-living insurance simplifies this by providing collective coverage.

2. Protect Personal Belongings: With multiple people in one space, the risk to personal belongings can increase. Whether it’s accidental damage or theft, having insurance ensures you’re covered.

3. Peace of Mind: Living with others shouldn’t be a source of constant worry. Knowing that you, your roommates, and your belongings are insured can provide invaluable peace of mind.


As the world evolves, so do living arrangements. Co-living, with its blend of community and convenience, is becoming a preferred choice for many. However, with shared spaces come shared responsibilities. Ensuring that you’re adequately insured can make the co-living experience smoother and more enjoyable for everyone involved. Whether you’re a seasoned co-liver or just considering the idea, understanding the insurance landscape in Belgium can set you on the path to a harmonious shared living experience.