Home Contents Insurance

You are covered if damage occurs to your property after fire, lightning or explosion.

The policy protects your personal items, belongings or property against theft. Insurance coverage depends on whether the event took place inside or outside your home. It also depends on whether your home and your items were properly secured or not.

Especially for bike theft: You can choose from different sums insured – fitting your needs. The standard coverage is up to DKK15,000 per bike.

Moreover, the insurance policy also covers intentional damage to things you own, for instance, in case of burglary at home.

The insurance also protects your bike in public space against failed theft attempts.

The insurance covers:

• Damage to your personal effects (movables) as a result of a lightning strike.
• Heavy cloudbursts and thawing where the water cannot drain as it should, but flood or penetrate the buildings through obvious routes and leaks such as installed vents, exterior basement steps, chimneys, closed doors, and windows.
• Sewer flooding or water escaping from drain pipes and systems, for instance, toilets, due to heavy cloudbursts or snow thawing.
• Storm-, hail-, snow and ice accumulation-, melting snow- and rainwater damage to your personal possessions following damage to the building that would be considered a valid insurance claim.

It provides coverage to pay for claims of bodily injury and property damage (incl. pets) sustained by others for which you or covered residents of your household are legally responsible.

You are covered if someone with fake intentions gets access to your home or property.

The insurance provides coverage if a person uses or threatens to use violence, damages or steals by force your personal goods.

We provide insurance coverage to help pay for legal advice and proceedings in certain types of conflicts. Moreover, we cover mediation, which is arbitration or a voluntary form of conflict settlement.

You can read more about it in the insurance terms and conditions, article 8.

If you need help for a mental health crisis or emergency after witnessing or been involved in one of the following events:

• Home fire - whether you are home or not.
• Home burglary - to family members who were at home when it happened. But also to those who came home after the home break-in.
• Road accidents.
• Assault and robbery.
• Theft by trick at home.
• Death of an immediate family member.
• Life-threatening health condition, including your immediate family.
• Suicide or attempted suicide in your immediate family.

As part of your insurance, you have access to the 'Tryg I Livet' helpline.

They have trained counsellors available to speak with you about overwhelming difficult situations and stress in your life. They can also provide other relevant information you may need about public emergency services.

When you buy our home contents insurance, you automatically get access to IDA TRYGhed - a number of unique benefits that help to make your everyday life more safe.

Read more about IDA TRYGhed.

The insurance protects your personal effects against water and other liquid damage in the following events:

• Leaks (water, oil or other liquids) from pipe installations and containers (20 litres or more).
• Slow leaks from hidden water-, heating- or drainage pipe systems in the building.
• Leaks from pipes located in rooms or places in the building and not at your disposal.

The insurance provides coverage if your luggage has been lost or damaged when you are travelling. Please be aware that we do not cover gold, silver, jewellery and money.

• Sudden damage to your things.
• Laundry clothes damage due to mechanical or electronic failure of washer or dryer.
• Refrigerator breaks down and spoils food at home due to accidental power outage or accidental failure. However, there is no coverage if you or others with legal access to your residence cut the power. The insurance also covers subsequent damage to other things destroyed by the defrosted food, including disruption of refrigeration and freezing systems.
• Traffic damage to your belongings during transport in a road accident such as a collision, crash or overturn.
• Damage to your gadgets during a maritime accident on a boat, ship, or ferry where you are on board. An accident suggests damage to the vessel. Therefore, to get compensation, it is a prerequisite that you present the damaged good, except in accidents involving a boat.

The insurance protects your belongings against water damage in the following situations:

• precipitation, where water penetrates the building through leaks, for instance, through porous building foundation, basement floor, basement walls and roof structures.
• groundwater flooding.
• snow drifting in the ceiling where there is no direct access due to the building structure.
• leaks from visible pipe installations and containers of 20 litres or more. For instance, radiators and hot water tanks

The insurance covers, for instance, the following examples:

• Casualty loss or damage caused by useless glass and sanitation due to cracking, flaking, or scratching. Permanent installation of the insured items in the structure of the building is a prerequisite for coverage.
• If precipitation or meltwater penetrates and damages the structure of the building through cracks, leaks, or rising through drains in the building structure.
• Pest control.
• Damage to your items as a result of deteriorated hidden pipes and not covered by your Building Insurance.
• Home facilities adaptations for physical disabilities.

• Sudden damage. It means that cause and effect occur at the same time. The source must be external.
• Malfunction of your electronic gadgets, for instance, if mechanical or electronic failure makes them useless.
• Damage caused by short circuits, induction, power surge, or the like.
• Contact with water, liquids, or moisture that causes sudden damage.
• Damage to your electronic devices due to a road traffic accident, for instance, a crash, overturning, or collision.
• Damage to your electronic accessories during a maritime accident on a boat, sailboat, ship or ferry transporting you. By accident, we mean physical damage to the vessel. Therefore, to get compensation, it is a prerequisite that you present the damaged electronic item, except in accidents that involve sailboats.

The insurance covers damage to your belongings when you rent out your home if you for instance study abroad or sell your home.

Please remember that if you have added theft, vandalism, sudden accident and extended electronic malfunction to your policy, you still have them when you rent out your home.

The insurance covers bicycles and electric bicycles. It also includes loose and mounted components.

E-bikes must have a maximum speed of 25 km/h.

The insurance covers damage to the bike:

• due to an accidental crash, collision, and overturning incident.
• which occur suddenly.
• caused by falling things.
• during transportation.

This add-on covers the expenses of repair if this is possible.

If you prefer replacement with new parts, choose Extended Bicycle Damage.

A free home contents insurance does not include Special Coverage, Extended Bike Repair, Extended Bicycle Damage, or cover bikes worth more than DKK15,000 per bike. If you need these add-ons, you must take out Student Insurance. Contact us to hear more about this insurance if you need additional coverings.

The insurance covers bicycles and electric bicycles. It also includes loose and mounted components.

E-bikes must have a maximum speed of 25 km/h.

The insurance covers damage to the bike:

• due to an accidental crash, collision, and overturning incident
• occurring suddenly.
• caused by falling things
• during transportation.

This add-on provides replacement with new parts.

Add Special Coverage to your policy if you would like to protect things worth over DKK60,000. Please note that there is an excess of DKK 1,000 (2022), and you must be able to provide documentation (e.g. receipt) of the personal items you wish to secure.

A free home contents insurance does not include Special Coverage, Extended Bike Repair, Extended Bicycle Damage, or cover bikes worth more than DKK15,000 per bike. If you need these add-ons, you must take out Student Insurance. Contact us to hear more about this insurance if you need additional coverings.