Get cover for rat damage and help protect your home

Rat damage insurance helps protect your home

If rats get into your home, they can cause costly damage and pose a health risk. They may damage electrical wiring, insulation, pipes and wooden structures, often before you even realise they are there.

With a building insurance policy from IDA Forsikring, you can choose cover that helps pay to repair or replace parts of your home damaged by rats.

You can also learn more about how building insurance can help protect your home.

Report rats to your municipality

If you discover rats in your home or on your property, you should report them to your local municipality as soon as possible.

All Danish municipalities provide rat control services as part of their public health responsibilities. Reporting rat activity supports effective, coordinated pest control efforts.

5 ways to help prevent rat damage

Insurance can help if rats cause damage to your home, but prevention is always the best protection. Here are five ways to make your home less attractive to rats.

Check your home's exterior

Inspect your home's exterior regularly for gaps, cracks and holes.

Mice can enter through openings as small as 5-6 mm, while rats only need an opening of around 20 mm. Cover vents and openings with metal mesh with holes no larger than 5 x 5 mm.

Protect drains and sewer connections

Rats often live in sewers, and it's important to keep them there.

As a homeowner, you are responsible for maintaining drains and sewer connections on your property. Repair damaged pipes and drains as quickly as possible.

Remember to secure drain covers, too. Rats are surprisingly strong and can lift objects several times their own weight.

Keep plants and climbing vegetation under control

Climbing roses and other plants can make it easier for rats to reach roofs, gutters and other entry points.

Trim vegetation near your home and ensure that bins, garden furniture and other objects do not provide easy access routes.

Remove easy food sources

Food attracts rats.

Avoid leaving food near your home, including bird feed, pet food and household waste. If you feed birds, do so in small quantities and keep feeders elevated.

Use traps instead of poison where possible

Steel bait stations are often used if rats are suspected.

Where appropriate, consider traps instead of poison. Traps can help control rats while reducing the risk of harming other animals.

Install a rat barrier

A rat barrier helps prevent rats from entering your home through the sewer system.

A drainage specialist installs the barrier, which consists of two flaps fitted inside the drain. Water can flow out freely, but rats cannot enter because the flaps block their way.

Get a rat barrier through your building insurance

If you have our new building insurance and the Premium package, you may qualify for a free standard rat barrier installation through our partner KloakTek.

If you already have a rat barrier installed, you can choose two annual service visits instead.

A standard installation is included. If modifications to the drain, manhole or pipework are required, you must pay the additional costs yourself.

If you have building insurance but not the Super package, you can purchase a rat barrier through Tryg for DKK 2,910, including VAT, installation and administration fees. The price assumes the barrier can be installed directly without modifications to the drainage system.

The offer applies to rat barriers designed for pipe diameters of 110 mm or 160 mm.

If you have had a rat barrier installed, please inform us as this may affect your insurance policy.

Installation by an authorised drainage specialist

Rat barriers are supplied and installed by Tryg's authorised partner, KloakTek.

To allow installation, the manhole cover must be visible and easily accessible.

If you have questions, would like to order a rat barrier or need assistance with an existing installation, please call KloakTek on 51 33 70 72.

When you order a rat barrier, you and the drainage specialist will agree on where to install it.