Holiday home insurance

Your holiday home requires full-time care, including with regard to insurance. When you take out Holiday home insurance, you can choose whether to only insure the house itself or also insure the contents.

Holiday home rental
You are also insured with your optional coverings when you rent out your holiday home through an agency.

Complete basic coverage
Get weather damage, sudden damage, glass and sanitary ware, legal assistance and homeowners’ liability with a basic coverage.

Home contents insurance
Choose to insure fixtures and personal belongings with a home contents insurance. You can, for example, get covered small boats and electronic gadgets.
The insurance covers
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.
Holiday home insurance |
Basic coverage |
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Fire Damage
Fire damage covers several scenarios where your holiday home is damaged. Your holiday home can be covered in case of:
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Options | |
Basic Coverage
Storm damage etc.
Sudden damage
Glass and sanitary ware
Homeowner liability Legal assistance |
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Electric Lines Damage
This option covers the following building parts when they belong to you and you are required to maintain.
In addition, you are protected against adverse effects following those mentioned above, as well as the expenses that may be related to the search or localization of the leakage once agreed with us. You can only choose this option when you have also selected basic coverage at the same time. |
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Hidden Pipes and Cable Damage
Hidden pipes in the building are covered when these are your responsibility. It can be for water, heat, gas, oil, drains, swimming pools and hidden power cables for heating rooms.
In addition, you are protected against adverse effects following those mentioned above, as well as the expenses that may be related to the search or localization of the leakage. Hidden pipes and cables are defined as installations that you do not have direct access to - for instance, behind concrete embedded or hidden installations in walls or floors. This option cover can only be taken out along Basic Coverage and Electric Lines Damage. |
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Insects and Rot Fungus
Your holiday home is protected against insect and fungal damage with this option. It includes constructions incl. fixed installations such as the building itself, garage, carport, utility shed and other smaller buildings. However, in order to be covered, it is a requirement that the buildings are built on a bricked or concrete base. You can only take out this option when you have also selected basic coverage at the same time. |
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Rot Damage
This covers damage to wood caused by fungus and / or bacteria that destroys the tree and is important for its bearing and functional ability. Please note that the insurance does not cover surface rot that occurs in wood exposed to high humidity. This is the reason why 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 Insect and rot fungus. |
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Home Contents for holiday home
This option ensures belongings that are usually perceived as items for a holiday home. Ordinary private belongings may be:
You are also covered for special private belongings, for example:
You can only take out this option when you have also selected Fire Damage. |
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Electrical Devices
Take out this option and secure all your electrical appliances in your holiday home. You are covered by sudden damage and malfunction for up to four years from the date of purchase. Your electronic accessories are still covered after the four years, but then the compensation is calculated according to a depreciation of the market price for a similar product. Note that there is always a special excess of DKK 1,000 per claim on each individual item. You can only take out this option when you have also selected Fire and Home Contents for Holiday Home. |
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Renting
If you rent out your holiday home, it is nice to know that you can get help if your guest accidentally breaks personal items. The rental coverage option also helps you if theft or vandalism is committed when you rent out your holiday home. Please note that if you rent your holiday home out privately, you need to sign a leasing contract with your guest, demanding a deposit in order to secure compensation for any damage or theft and vandalism. |