House Insurance

Largest nordic insurance company
At If, we help every 4th family in the Nordic region to be properly insured. We can also help you.
Quick claims handling
We resolve 72% of all damages within 24 hours. Report damage on 70 12 12 12 or online.
Fee-free monthly payment
Divide the payment into 12 chunks. It does not cost extra and runs automatically via Betalingsservice.

With a home insurance you get financial security and quick help if you get a damage to your house. Choose between House Basis, House Standard and House Ekstra. In the table you can see the different coverages.

	House Ekstra	House Standard	House Basis
The insurance e.g. covers fire damage caused by lightning, soot deposits or electrical damage to any of the fixed electrical installations in your house.	Included	Included	Included
The insurance covers your liability for damages to other persons and their property when you have the liability as owner of the property. If you come to a disagreement that must be decided in court, you can in many cases obtain legal aid coverage. With a legal aid insurance, we pay your legal costs and other costs in connection with conducting the case.	Included	Included	Included
The insurance e.g. covers any damage to roof tiles or the entire roof during a storm.	Included	Included	Included
The insurance covers i.a. cloudburst, thaw, frostbite, hail damage and sudden outflow of water.	Included	Included	Included
The insurance covers i.a. sudden damage, collision, overturning or crashing objects that damage your buildings.	Included	Included	Included
The insurance covers theft and vandalism of building parts.	Included	Included	Included
The insurance covers breakage of fixed glass and sanitation, eg windows, fixed mirrors, glass-ceramic hobs, washbasins, toilet bowls and bathtubs - without deductible.	Included	Included	Included
Crisis help for you or someone in your household if you have had an injury to your house that has led to an acute mental crisis.	Included	Included	Included
The insurance covers i.a. theft and vandalism of your building materials for up to 3 months from delivery.	Included	Included	Included
The insurance covers leaks from concealed pipe installations and faults in concealed power cables for the heating of rooms, e.g. damage to underfloor heating.	Included	Included	Not included
The insurance covers leaks in pipelines and breaks in electrical and low-voltage branch lines, which you have a duty to maintain.	Included	Included	Not included
The insurance covers 50% of the cost of cosmetic differences: between new and existing tiles in the bathroom, toilet, kitchen / family room and utility room in connection with a covered pipe or branch damage between new and existing wooden floors, which are continuous in several rooms and are not broken by doorsteps, skirting boards or the like, in connection with a covered water or pipe damage after a covered damage between new and existing sanitation in the shower and toilet as well as glass in the window and door sections between replaced and undamaged doors and fronts in the kitchen, utility room or bathroom in connection with a covered damage.	Included	Included	Not included
The insurance covers help to control pests indoors, eg if the house is invaded by ants, mice, bed bugs or if a wasp nest needs to be removed.	Included	Not included	Not included
The insurance covers repair or replacement of building parts that have been damaged by animals. It can be, for example, rats and mice gnawing in the kitchen cabinets or a house marten that destroys the insulation in the ceiling.	Included	Not included	Not included
Covers your garden for theft, vandalism and collision.	Included	Not included	Not included
The insurance covers faults and failures in fixed building installations until they are 4 years old, without deduction. These include central heating, appliances, indoor spas, burglar alarms, electric awnings and the like.	Included	Not included	Not included
Pays expenses so that you or someone else in the household can get around with a wheelchair in the home and in the garden if someone in the household is affected by an illness, accident or gives birth to a disabled child who requires a wheelchair.	Included	Not included	Not included
You can choose to be rehoused already if 50% of the area of the house is affected by a covered damage, or the repair of a damage disturbs the daily use so much that the daily use of your home is greatly disturbed, so you do not have to live in building clutter and noise.	Included	Not included	Not included
Covers claims arising suddenly as a direct consequence of errors by craftsmen or contractors.	Included	Not included	Not included
You are insured when you need to rebuild or extend your insured house.	Included	Not included	Not included

Add-ons to house insurance

Depending on which home insurance you choose, it may be a good idea to supplement with optional coverages. If you choose House Standard, for example, and supplement with 'Fungus, insect and rot' and 'Extended water' - then you are really well covered.

Fungus, insect, rot

This optional insurance cover concerns damage to timber building elements caused by insects, fungus or rot. The optional cover also includes windows and doors.

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

Extended water damage

This optional insurance cover concerns:

Water damage caused by dripping and seepage from visible pipe installations
Loss of water and oil in conjunction with a covered claim concerning concealed pipes and service lines
Water damage due to precipitation penetrating the house
Water damage due to rising groundwater and sewerage water, even if there is no excessive cloudburst or thaw.
Water damage to a building when liquid seeps out of the fridge / freezer when the cause is accidental failure.

Property Check

Our partner Anticimex prepares a survey report for the house:

For the first time just after the insurance is purchased
Then every four years

Together with you, Anticimex’ building expert will go through your house. The actual review takes 1-1½ hours and 120 points are covered.

You will get a detailed report with a maintenance plan and attention points that you must be aware of concerning your house, as well as access to telephone advisory services.

The cover is without any deductible, and neither the review nor the report will be used to set prices or terms for your insurance.

If you choose House Basis

With House Basis, you are well covered if, for example, you get a fire, water or storm damage, or your house is exposed to theft or vandalism. This home insurance covers, for example, psychological crisis help, building materials and broken glass and sanitation.

If you choose House Standard

With House Standard, you will still have all the great coverage from House Basis. In addition, you also get coverage for hidden pipes and cables, branch lines and cosmetic differences.

If you choose House Extra

With Hus Ekstra you get our most comprehensive package, which of course includes the same coverage as Hus Basis and Standard.
In addition, you get help to control pests such as mice and bed bugs, cover damage in your house caused by animals, such as rats, disability adaptation of both the house and the garden, as well as cover for consequential damage from craftsmen or contractor errors. The house insurance also covers collisions, vandalism and theft from garden facilities, malfunctions in installations that are under 4 years old, as well as rehousing extra and damage to the home in connection with conversion and extension.

We always recommend that you supplement your home insurance with the optional cover "Fungis, insects and rot" as well as "Extended water damage".

Questions & answers

Will my house insurance stop automatically when I sell my house?

No, your house insurance does not stop automatically when you sell your house. Before we can cancel your house insurance, the new owner's insurance company must send us confirmation that they take over the house's fire insurance. This is due to the special obligation between insurance companies and mortgagees (banks and mortgage credit institutes).

When the notice of termination from the other insurance company has been received, we will cancel your house insurance as of the purchase date.

Is my photovoltaic system covered by the house insurance?

Yes, your photovoltaic system is covered by the house insurance, so that you do not need to take out any additional insurance.

What do I do when I buy or build a new house?

If you are buying or building a new house, you are welcome to contact our Customer Centre on (+45) 70 12 12 12 to get a house insurance quote.
You can also buy your house insurance in our webshop (in Danish).

What do I do if my house is bought at a foreclosure auction?

If you bought your house at a foreclosure auction, you are very welcome to contact our Customer Centre on (+45) 70 12 12 12 to get a house insurance quote.

How do I cancel my house insurance?

You can always cancel your house insurance with at least one month's notice to the main renewal date, or within 14 days after a claim has been concluded. If you cancel your house insurance in this way, the cancellation will be at no charge, while a fee will be charged if you cancel the house insurance with shorter notice.

If you cancel your house insurance, you must send your notice of cancellation in writing to our Customer Centre, either by post or email. The house insurance must be cancelled in writing, to ensure that no misunderstandings arise.

If you move your house insurance to another insurance company, the new company will handle the notice for you.

Does my house need to be inspected before I purchase house insurance?

In most cases it is not necessary to inspect your house when you purchase house insurance.

Age and structure may ential that some cover cannot be offered, or can only be offered after an inspection. We use Anticimex to inspect your house if this is necessary to get a house insurance quote.

Are you buying a house?

When you buy real estate, you can buy transfer of ownership insurance to protect yourself from hidden defects and deficiencies.

If you buy a flat or a cooperatively owned home, you should consider whether this is worth the cost and effort. On the other hand, transfer of ownership insurance is really good to have when you buy a house.

Good to know when you buy a house

A lot of practical things need to be arranged when you buy a house, e.g. financing, insurance and purchase agreement.

Financing
You should at least talk to a bank about mortgage credit and home loans. Normally, you will have to finance at least 5% of the purchase price yourself, while the mortgage credit institute can lend you up to 80%, and the bank will typically offer a home loan up to 15%.

How much you can borrow depends on such factors as your budget, payslips, other debt and annual tax return. It is important that you cover as much of the purchase price as possible with a mortgage credit loan, as this is the cheapest and safest type of loan.

If you buy an existing property, you can typically reuse the mortgage deed in the property and thereby save establishment costs.

As security for the loans, the banks register mortgage deeds in your property as collateral – these are called "mortgage charges".
Insurance
In order to borrow money from the bank, you must have house insurance. This is because the fire cover under the house insurance secures the bank's money (the mortgage charge), even if the house burns down. House insurance is also a big advantage for you, since otherwise you risk being left without a home and extensive debt to the bank for the lost mortgage charge. Besides house insurance, it can be a great advantage to hold transfer of ownership insurance.

The transfer of ownership insurance covers any hidden defects and deficiencies that are not included in the survey report for the house or the electrical inspection report, i.e. damage that arose before your house insurance entered into force. This damage is repaired under the transfer of ownership insurance, while new damage to the house occurring after you took it over will be covered by your house insurance.

Whether you live in house or flat, as owner, tenant or cooperative owner, it is also a good idea to have household contents insurance, which covers e.g. pest control and water damage.
Purchase agreement
When you make an offer for your dream house with a purchase agreement, often things move so quickly that you do not have time to talk to either your bank adviser or attorney. The purchase agreement comes into force when the vendor has signed it, which makes it important to include a bank and attorney reservation in the purchase agreement.

In this way you can cancel the purchase agreement if you are advised against buying the house by your bank or attorney.

It is best, however, to be pre-approved by your bank, so that you know exactly how much you can bid, and to facilitate the bank approval process.

Are you building a new house?

If you are building a new house, the process is a little different. In this case, you cannot purchase transfer of ownership insurance. Instead, you must purchase construction damage insurance, which covers the defects and deficiencies caused by the contractor during the construction phase.

Terms and conditions, purchase terms and product info

Terms and conditions for House Insurance
Please refer to the applicable terms and conditions for our House Insurance.

Terms and conditions – House Insurance (in Danish)
Purchase terms
You can find our purchase terms here:

Information on purchase of insurance (in Danish)
Product info
Read more about the insurance in our insurance product information document:

Product info about House Insurance (in Danish)

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