House insurance

The insurance covers, for example, fire damage caused by lightning strikes, soot damage, or electrical damage to some of the fixed electrical installations in your house.

The insurance covers your liability for damages to other individuals and their property when you are held responsible as the owner of the property.

If you find yourself in a dispute that needs to be settled in court, you may often be eligible for legal aid. With legal aid insurance, we cover your legal fees and other costs associated with handling the case.

The insurance covers, among other things, cloudbursts, thawing, frost damage, hail damage, and sudden water leakage.

The insurance covers, among other things, sudden damage, collision, falling or collapsing objects that damage your buildings.

The insurance covers theft and vandalism of building parts.

The insurance covers breakage of permanently installed glass and sanitary ware, such as windows, fixed mirrors, glass ceramic hobs, washbasins, toilets, and bathtubs - without a deductible.

Crisis assistance for you or a member of your household if you have experienced damage to your house that has led to an acute psychological crisis.

The insurance covers theft and vandalism of your building materials for up to 3 months from delivery.

The insurance covers leaks in concealed pipe installations and faults in hidden electrical cables for room heating, for example, in the case of damage to underfloor heating.

The insurance covers leaks in service pipe connections and breakage of electrical and low-voltage service lines that you are responsible for maintaining.

The insurance covers 50% of the cost of cosmetic differences:

• Between new and existing tiles and floor tiles in the bathroom, toilet, kitchen/dining area, and utility room in connection with a covered pipe or service line damage.
• Between new and existing wooden floors that run continuously through multiple rooms and are not interrupted by door thresholds, baseboards, or similar, in connection with a covered water or pipe damage.
• After a covered damage between new and existing fixtures in the bathroom and toilet, as well as glass in window and door sections.
• Between replaced and undamaged doors and fronts in the kitchen, utility room, or bathroom in connection with a covered damage.

The insurance covers assistance for indoor pest control, for example, if the house is invaded by ants, mice, bedbugs, as well as the extermination of wasp nests on the property.

The insurance covers the repair or replacement of building components that are damaged by animals. This could include rats and mice gnawing on kitchen cabinets or a pine marten damaging the insulation in the attic.

Covers your garden installations for theft, vandalism, and collision.

The insurance covers defects and failures in permanently installed building installations up to 4 years old, without any deductible. This includes items such as central heating systems, household appliances, indoor spas, burglar alarms, electric awnings, and similar equipment.

Covers expenses for making your home and garden wheelchair-accessible in the event that someone in the household is affected by illness, an accident, or gives birth to a child with a disability that requires a wheelchair.

You have the option to choose to be relocated if 50% of the house's area is affected by a covered damage, or if the repair of a damage disrupts the daily use to the extent that the daily use of your home is severely disturbed, so you can avoid living in construction mess and noise.

Covers sudden damage that is a direct consequence of a craftsman or contractor error.

You are insured when you are renovating or extending your property

This add-on coverage for the insurance protects against damage to wooden building components caused by insects, fungi, or rot. The add-on also covers windows and doors.

Please note that there is a specific deductible as stated in the policy.

This optional coverage for the insurance includes:

• Water damage resulting from leakage or seepage from visible pipe installations and containers over 10 liters
• Loss of water, gas, and oil in connection with a covered damage to concealed pipes and supply lines, as well as wastewater charges not refunded
• Water damage resulting from rainwater entering the house
• Water damage due to the rising of groundwater and sewage, even without extreme rain or thaw
• Building water damage when liquid escapes from a refrigerator/freezer due to accidental failure.