Building insurance

If you own a house, Building insurance is an invaluable foundation and a common requirement of many lending institutions.



As a home-owner, you know that your house is a major investment and an important framework for your home and family life. A house insurance policy is thus an indispensable basis for security in the home, and it is usually also a requirement from mortgage institutions. You have an option to combine the insurance elements exactly according to your own personal requirements. 

Excellent price and coverage

Excellent price and coverage

You get the product to a good market price - without comprimising coverage of the insurance. 

Tailored building insurance

Tailored building insurance

You get a good basic coverage and the opportunity to add optional coverages.

With or without deductible

With or without deductible

You pay a higher premium if you choose a 0 DKK deductible, but this also means no added deductible in most claims.

The insurance covers

Building insurance
Coverage

Fire insurance covers electrical damage in addition to damage caused by fire. This applies to damage to electrical conductors or components, as well as damage caused by sudden sooting.

Basic coverage is constituted by:

  • Building insurance - covers a large number of claims you can hardly prevent, for example damage caused by storm, heavy rain or theft and vandalism.
  • Extended insurance - covers sudden damage in everyday life - for example if you lose a bucket of paint on the wooden floor.
  • Glass and sanitary insurance - covers glass and sanitary damages - for example windows, bathtubs or ceramic hobs.

Optional

This optional coverage covers damage caused by mould or wood-destroying insects. Damage caused by rot is also covered. For rot damage, however, the insurance distinguishes between visible and hidden woodwork:

If the damage has occurred on visible woodwork, the insurance provides cover when it affects the wood's function or bearing capacity. However, we cover damage to windows and doors irrespective of whether it is important for functionality or bearing capacity. The deductible is 1/3 of the total cost of the damage and at least DKK 2,500 per damaged object.

We cover damage to hidden woodwork with no deductible.

Optional

This insurance covers leaks in hidden pipes and branch pipes and defects in hidden electrical cables for room heating. The insurance also covers any consequential damage to the house. 

Optional

If there are no hidden pipes or electrical wires in the house, you can make do with a branch line insurance that covers damage to the water, heating, electricity and drainage installations that are buried between the house and the mains.

Optional

The form is indicative and is an extract from the insurance terms and conditions. Any compensation will be calculated according to the rules in the insurance terms and conditions.