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Call us and we'll help you with an insurance coverage for your specific needs, or if you need insurance for your house. You can also buy the homeinsurance online (questions in swedish).
0771-655 655 Buy home insurance
- Travel insurance
The home insurance cover for travel worldwide for a period of 45 days.
- Alternative accommodation
Help if you cannot live in the home after a fire or water damage.
- Help in the event of ID theft
You will be given assistance to limit the damages in the event of ID theft.
A home insurance provides economic compensation in the event of burglary, fire, sickness and accident while you are travelling outside of Sweden, and if you require assistance with liability and legal expenses.
The home insurance is valid for your home and covers not just you and your belongings, but also other family members and their personal property. If the home insurance is to be valid for persons other than yourself, their names must be added to the insurance.
There is no legal obligation for you to take out a home insurance policy, but we strongly recommend that you do.
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Tenant ownership
Tenant ownership is an additional insurance. It provides compensation for damage to such immovable property in your apartment as you are responsible for maintaining according to the law or the association's regulations, and which is not covered by the association's property insurance. The age deduction is maximum SEK 15,000.
Special items
Special is an all risks insurance for a specific item, which is especially valuable. This might be a piece of jewellery, a painting or a bicycle.
A bicycle is included in the home insurance up to a value of SEK 35,000 – including all accessories. If the bicycle is of a higher value you will need special insurance for the bicycle.
If the special insured item is damaged by a sudden and unforeseen external event, the insurance applies up to the amount you have insured it for.
Contact us to purchase special Insurance.
Small boats
Small boats without an engine are included in the insurance
Rowing boat, windsurfing board, kayak, canoe and sailing dinghy with a sail surface of a maximum of 10 m² are included in the insurance. For these small boats, you do not need additional insurance. Maximum compensation is SEK 25,000.
Small boats with a motor can be additionally insured
No boats with a motor are included in the home-, villa- or cottage insurance. If you have a small boat with an engine, you can take out additional insurance for a motor boat, sailboat or rowing boat. The hull may be a maximum of 6 meters long and 2 meters wide and made of plastic, aluminum or rubber fabric. The engine power may not exceed 15 hp and for sailboats the sail surface may not exceed 10 m². The maximum compensation amount is SEK 25,000.
Frequently asked questions
If you have a question about our insurance you can find the answers to the most frequently asked questions here. You can also call us on 0771-655 655.
Who does the home insurance apply to?
The Home Insurance applies to everyone named in the Home Insurance Policy. It is important that everyone, including the children, who form part of the household are named.
You can log on to My Pages where you will find the insurance document for the Home Insurance. Who is co-insured is stated there.
Does the home insurance apply to things that I have borrowed?
Yes, home insurance provides cover for the things you own, rent or borrow – both at home and while travelling. The all risk insurance does not apply to things that you have borrowed. However, the all risks insurance does apply to computers or tablets that you or your child have borrowed from the school.
Is travel insurance included in the home insurance?
Yes, a travel protection that applies to private journeys up to a period of 45 days world wide is included. In Stor Hemförsäkring (Home Insurance Premium) travel protection with extras like cancellation protection and compensation in the event of a delay is included.
Is third party liability included in the home insurance?
In Stor Hemförsäkring and Hemförsäkring Extra (Home Insurance Premium and Home Insurance Extra) all risk insurance/third party liability is included. We call it Misfortune. If your belongings are suddenly and unexpectedly damaged or lost through an external incident, the Misfortune insurance compensates you for your losses.
- For Home Premium – maximum SEK 80 000
- For Home Extra – maximum SEK 50 000
Do I get help with alternative accommodation following a fire?
Yes, you can get help with replacement accommodation if following a fire or other damage the place cannot be lived in.
Items are stolen during a home party. Does the insurance apply?
No, the insurance does not apply if someone who has been admitted or permitted to stay in your home steals things. The insurance only applies if someone has forced their way in or enters by force.
Does the insurance apply if the mobile is stolen from the car?
The mobile is considered to be property prone to theft, therefore the insurance does not apply whatever type of home insurance you have taken out.
Do I need home insurance when I live in a sub-let?
It doesn't matter if you are the first tenant or if you live in a sub-let. If you rent an apartment, you need a home insurance policy that applies to your personal belongings and items that you have rented or borrowed. However, it is not your responsibility to insure the apartment or the house. This is the responsibility of the owner of the property, not the individual renting it.
How does my insurance apply if I rent out my home?
You should have a home insurance policy of some form that applies to the rented home. What form of home insurance you should have depends on whether it is a tenancy or housing association, if you have any furniture and other items left in the home you are letting out.
- If it is a housing association, you need home insurance with the housing association supplement.
- Always make sure you have the landlord's or the housing association's permit to let the property. Otherwise, it might be illegal.
- If you are letting out regularly or on a larger scale the rental can be termed a business activity and you will therefore need to take out a special insurance policy.
- Contact us for assistance in arranging the right type of home insurance for the property to be let.
How does the insurance apply in the event of ID theft?
Home insurance includes cover for ID theft. It does not protect against someone stealing your identity, but you get help with the following:
- Advice to prevent identity theft.
- Assistance to limit the damage when ID theft has occurred.
- Legal help to reject or correct any errors as a result of the ID theft.
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