The excess is the part of the damage cost which you will need to pay when you have incurred damages. The basic excess is the most common amount and is the amount you will normally pay, but it can also be higher; for example, in the event of water damage or if you need to use your legal cover.
Home insurance
We strongly recommend everyone in Sweden to have a home insurance. It protecs your home, your privately owned belongings and yourself in case of an accident. For example, you can get assistance in case of fire in your home, if you are liable for damages or if you find yourself in a legal dispute.
How to get a home insurance
Do you need help buying a home insurance, or do you have any questions? You are welcome to call us, or visit any of our offices.
You can also apply online.
Who can get a home insurance policy?
The home insurance applies to you as the policyholder, and you don't need a personal identity number to take out a home insurance policy. A personal identity number is required, however, for additional insured persons.
The entire family can be covered by one policy
If you have family members who are to be covered by the home insurance, they must live with you, have a Swedish personal identity/social security number, and be registered at the address where the home insurance applies. Children under the age of 18 can be covered by their parents' home insurance when they live together.
If you don't have a personal identity number, you can't be covered by another party's policy. This means that family members over 18 years of age must have their own home insurance policy.
Included in the home insurance
Property insurance – can for example provide compensation for theft and other damage to property that you own, rent or borrow for personal use.
Liability insurance – can provide compensation if you cause injury or damage to another person or their property and are liable to pay damages.
Assault insurance – can provide financial compensation if you receive personal injuries after being the victim of an assault or a sexual crime.
Legal insurance – can cover costs associated with hiring a legal counsel (lawyer) should you find yourself in a dispute.
Travel insurance – your home insurance includes travel coverage for the first 45 days of your trip. You can receive compensation if you become seriously ill or have an accident during your trip and need medical care. The travel insurance covers you and the members of your household, as well as your children under 18 years of age who accompany you on the trip. The travel coverage is valid for trips worldwide. If you are not permanently residing and registered in Sweden, the insurance is only valid in Sweden.
Important information about home insurance
You can find terms and conditions, advance and after-sale information and other information on each home insurance page.
Different types of home insurance
If you own the house you live in
If you own the house you live in, you will need homeowner insurance. This covers your house, your land and your personal property. Contact us if you want to know more.
If you live in a rental apartment
Insurance for persons renting an apartment. Remember that you need home insurance even if your home is temporary or if you do not believe that your property is of very high value.
If you live in a tenant-owned apartment
Home and tenant-owned apartment insurance for your personal property and for the part of the property for which you are responsible in accordance with the Tenant Ownership Act and your cooperative housing association's rules.
Tenant owned-apartment (In Swedish)
If you have a vacation home
Vacation home insurance covers your vacation home, your land and your personal property in the vacation home. Liability cover and legal cover for the owner of the vacation home are included.
If something happens
General advice in the event of damages
In the event of damages, you must submit a claim to us as soon as possible.
- In the event of damage or risk thereof, you must attempt to prevent or limit the damage.
- Document the damages. You can for example take pictures of the damaged property.
- Retain the damaged object(s). This makes us able to perform an inspection. You have an obligation to cooperate in the inspection of both damaged and undamaged property.
- Theft, robbery, assault and vandalism must be reported to the police.
- You will need to submit all necessary information and documentation in order for us to process your damage claim.
- You are obligated to inform us if there is another insurance policy which applies to the same damages.
An agreement between you and an insurance company. You pay a fee in exchange for the insurance company providing financial compensation if you have an accident. Different insurance policies cover different types of accidents.
If you have incurred damages as a result of the acts of someone other than yourself, you may have the right to claim for damages. The idea of a damage claim is that a person who has incurred damages as a result of another person's carelessness or negligence shall in principle have their situation restored to what it was before the damage occurred.
Theft is a crime. Theft is when someone takes something belonging to someone else without permission, in order to have it themselves or give or sell it to a third party. Theft may, if the offence is minor (of a not very high value), be called petty theft. If someone steals something from you, you should report the incident to the police.
A disagreement between two parties. An example of a dispute is when a buyer and a seller do not agree on something.
General registration of Sweden's population. The population register contains information about who lives in Sweden and where they live.
Many rights and responsibilities which you have depend on whether you are registered and where you are registered, such as the right to child allowance and housing allowance and where to pay your taxes and vote. The population register also contains other personal data such as civil status and information on children.
General registration of Sweden's population. The population register contains information about who lives in Sweden and where they live.
Many rights and responsibilities which you have depend on whether you are registered and where you are registered, such as the right to child allowance and housing allowance and where to pay your taxes and vote. The population register also contains other personal data such as civil status and information on children.