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Safeguard yourself, your belongings and your household with a contents insurance from If.
Our contents insurance covers both damage to your own belongings and your liability if members of your household cause damage to others or their belongings.
Do you want to be well covered? Then upgrade your contents insurance to Contents Plus, which also covers short-circuit damage, sudden damage etc.
As the occupant of a house or flat you can even get a special contents insurance customised for you: Contents Super.
Contents Super for flats covers pest control, e.g. if you get bedbugs or cockroaches.
IT equipment on loan from school
Contents Plus covers damage to loaned iPads, for example.
One comprehensive excess
With very few exceptions, a single comprehensive excess of your choice applies to our contents insurance.
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Fire, water damage and theft
Covers damage to your property as a result of fire, burglary, basic theft, robbery or open theft, as well as any damage to your clothes as a result of mugging.
The contents insurance also covers damage caused by water, oil, coolant etc. suddenly flowing out (not leaking or dripping) from installations, aquaria or other containers.
Damage to other people, their property and animals
Covers the injuries or damage you accidentally cause to others, their belongings and animals.
May cover legal aid and other costs associated with conducting a case, if you need to settle a disagreement in court.
Provides cover in the event of identity theft when someone misuses your personal information.
Weather damage, e.g. storms and cloudbursts
Provides cover if weather damage to the building destroys your property inside your building. The contents insurance also covers the damage if your property floods as a result of a cloudburst.
Provides cover if someone who is not part of your household intentionally destroys your belongings without any reason.
Road traffic accidents
Covers damage to your belongings as a result of road traffic accidents, e.g. collisions, crashes or rollovers. A vehicle - such as a car - must be involved for us to define it as a traffic accident.
Covers damage to your belongings as a result of a short circuit in kitchen appliances etc.
Electronics and white goods - extended cover
Covers malfunctioning domestic electrical appliances, e.g. broken washing machines or televisions.
Refrigerator and freezer damage
Covers damage caused by temporary power outage, e.g. spoiled food in your refrigerator or freezer.
IT equipment loan from school
Covers damage to IT equipment borrowed from school, e.g. iPads and computers.
Other sudden damage
Covers other sudden damage normally covered by your contents insurance, e.g. if you drop your mobile and it breaks.
You select the version of Contents Super that best suits you and your home:
Best for cover of your house:
Best for cover of your flat:
Read more about the two versions in our terms (da) or read more here:
Pest control in a flat
Making a flat accessible to persons with a disability
Cover of glass and porcelain in a flat
DIY building materials for the house
Property Support Centre (phone)
Large items of motorised gardening equipment
Covers theft of locked household bicycles. Locks must be approved by DVN (Danish Institute for Informative Labelling).
Covers the cost of recoding your locks if someone steals your home keys within a radius of 50 km from your residence.
Covers counselling and DKK 10,000 compensation if an unknown assailant attacks you. You must report the attack to the police, and an A&E/doctor must document your injuries.
Covers you if an unknown person gains access to your home and steals your property or obtains it through deceit.
This addition to our travel insurance covers the luggage, e.g. suitcases and clothes, that you take with you on holidays abroad.
Covers up to 3 months from the date of departure.
You can choose a sum of DKK 50,000 DKK or DKK 100,000 per traveller.
Covers items that are of great value to you against any damage not excluded in the terms. The minimum excess is DKK 500 per claim.