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. 

The insurance covers many things that you may not think about in everyday life. For example, the fire insurance covers fire damage and damage caused by lightning and short circuits, while the householders' comprehensive insurance covers a number of other damage events that are beyond your control, such as damage resulting from storms and cloudbursts.

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.

You can choose to take out House and home-owners' insurance, which insures you against a large number of events that are beyond your control. These include damage that occurs as a result of a storm, cloudburst or thaw, snow load, theft or vandalism.

Optional

If you choose to take out House and home-owners’ insurance, it automatically includes Extended insurance. This covers damage which occurs suddenly during everyday living, for example if you drop a can of paint on your wooden floor, the repair of the damage will be covered. Note that there is a deductible of DKK 2,500 for these claims.

Optional

If you choose to supplement with House and home-owners’ insurance, you automatically also receive Glass and sanitary fixtures insurance. Glass and sanitary fixtures insurance covers breakage of glass and sanitary fixtures. Glass and sanitary fixtures includes windows, flush-mounted mirrors, glass ceramic hobs, sinks, bathtubs and toilets. However, it is important to stress that the objects must be so damaged that they can no longer be used.

Optional

If you choose House and home-owners’ insurance, you also receive cover if water damage occurs in the basement. The coverage applies to repair of damage to wood flooring, laminate flooring, insulated walls, plaster walls and glass fibre (organic materials). However, please be aware that you can only receive cover for water damage once, if you repair the damage with organic materials.

Optional

If you choose Householders' comprehensive insurance, you are also covered by home-owners’ insurance. The insurance covers the claims for damage that you as a home-owner may encounter if you cause injury or damage to other people or property.

Optional

Legal expenses insurance covers the cost of a lawyer in connection with disputes about e.g. private litigation, real estate matters and conversions. Legal aid is part of the package, if you choose to take out Householders' comprehensive insurance.

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

Damage that is covered by the pipe and cable insurance or branch line insurance does not result in a deduction in the compensation if the pipes are less than 20 years old. If the pipes are over 20 years old, your share of the damage is DKK 2,500. 

Optional

The insurance covers 50% of the cost of replacing items that are not destroyed, including glass, sanitary ware, tiles or clinker. A hypothetical example is if the tiles in your bathroom can no longer be obtained and you therefore want to replace all the tiles with new tiles, including those that are not broken.

Optional

If you are in the process of building a new house, it is natural to take out insurance that provides cover while construction is in progress. House under construction insurance consists of a Fire insurance, Householders' comprehensive insurance and an Extended insurance. All of the materials that are on the site and which are intended to be used to build the house will be covered by the insurance. In connection with theft and vandalism, the insurance does not apply unless the materials have been attached.

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.

FAQ

Yes, solar cell systems are covered by your Building insurance. The insurance covers according to Group 1 in the insurance conditions. They are covered for fire, storm, theft and vandalism. However, the insurance does not cover loss of power from the system.

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