Avoid high expenses with affordable holiday home insurance

Storm damage, etc.
It covers the following weather damage, among other things:

• Frost bursts in pipes and installations where the building or the room has been sufficiently heated beforehand.
• Extreme thaw or rainfalls result in flooding. Consequent water damage from thaw and precipitation is also covered when the water cannot get needed drainage and porous building materials absorb a large amount of water.
• Storm damage to buildings. This only applies if the affected building is on a brick wall or concrete foundation. Planks, fences and masonry fences are covered similarly or built on pressure-impregnated posts.

Sudden damage
Sudden damage also covers your holiday home as a result of the following:

• Damage to the construction from fallen trees or lamp posts, or if a car drives off the road and crashes into your holiday home.
• Break-ins and vandalism.
• Sudden pouring of water, oil, coolant liquid and steam (for example, from aquariums and domestic appliances).

Glass and sanitary ware
It covers cracks, peeling or scratching on glass or sanitary ware. The following glass and sanitation are covered for example:

• Windows and doors
• Bathtubs
• Cooking hobs and oven doors
• Kitchen and bathroom sinks
• Toilet bowl, bidet and cistern

Homeowner liability
This is about financial protection. The liability coverage as a homeowner provides coverage for bodily injury and property damage sustained by others for which you are legally responsible. Personal injuries are covered by up to DKK 10 million per claim, while items and animals are protected by up to DKK 2 million per claim.

Legal assistance
You are covered if a dispute erupts concerning, for example, home construction and property purchase or sale.

This option covers the building parts you own, and it is your responsibility to maintain them.

• Leaks in hidden lines
• Fault in hidden power cables

In addition, we will cover expenses related to any adverse effects and the search for leaks once we agree.

You can only choose this option when you simultaneously select Basic Coverage.

Hidden pipes in the building are covered when they are your responsibility. These can be for water, heat, gas, oil, drains, swimming pools, and hidden power cables for heating rooms.
Your house is protected against damage caused by, e.g.:

• Leaks in hidden pipe installations
• Fault in hidden electrical cables used for room heating

In addition, you are protected against adverse effects following those mentioned above and the expenses related to the search or localization of the leakage.

Hidden pipes and cables are defined as installations to which you do not have direct access—for instance, behind concrete embedded or hidden installations in walls or floors.

This option cover can only be selected with Basic Coverage and Electric Lines Damage.

This option protects your holiday home against insect and fungal damage. It includes construction, including fixed installations such as the building itself, garage, carport, utility shed, and other smaller buildings.

However, the buildings must be built on a brick or concrete base to be covered.

You can only take out this option when simultaneously selecting Basic Coverage.

This covers damage to wood caused by fungus and bacteria that destroy the tree and is vital for its bearing and functional ability.

Please note that the insurance does not cover surface rot in wood exposed to high humidity. The insurance does not cover the building's external wooden constructions, such as rafter claddings, side beams and uncovered rafters.

This optional covering can be selected only when you have taken out basic coverage along with Insect and rot fungus.

This choice provides security for possessions, typically considered items for a vacation home. Ordinary private belongings may be:

• Inventory, such as furniture and kitchen accessories.
• Small boats up to 5.5 meters, incl. equipment such as an outboard motor up to 6 horsepower.
• Canoes, kayaks, and wind and kite surfers.

You are also covered for particular private belongings, for example:

• Paintings, antiques, genuine carpets.
• Binoculars, musical instruments, weapons and ammunition.
• Electronic equipment includes radio, TV, computer, video camera, tablets and game console.

You can only take out this option when selecting Fire Damage.

Take out this option and secure all your electrical appliances in your holiday home. You are protected against sudden damage and malfunction for up to four years from purchase.

Your electronic accessories are still covered after four years, but the compensation is calculated according to the depreciation of the market price of a similar product. Note that each item has a compulsory excess of DKK 1,183 (index 2025) per claim.

You can only take this option when selecting Fire and Home Contents for Holiday Home.

Knowing you can get help if your guest accidentally breaks personal items gives security if you rent your holiday home. The rental coverage option also helps if theft or vandalism is committed when renting your holiday home.

If you rent your holiday home out privately, you must sign a leasing contract with your guest, demanding a deposit to secure compensation for any damage, theft, or vandalism.