Home Contents Insurance

Our Home Contents Insurance provides a safe environment for your family, so you do not have to worry about finances in case of loss, theft, or damage to your personal or home possessions.
Your Home Contents Insurance must suit your home, family, and economic needs perfectly.
We know people are different, which is why we offer IDA TRYGhed, to our members. It gives you access to advice and helps you if someone misuses your identity.
Have you purchased your Home Contents Insurance before 23 August 2021?
Read the terms and conditions of the insurance here

Your belongings are always covered
There is no insured sum limit, so you no longer need to assess your total value.

Your entire household is covered
We cover your household, including children from a previous relationship regardless of whether the child lives with you or the other parent.

You get some benefits for your bike
Go to My Page and choose from different benefits, e.g., a bike lock, rear reflector bike tracker GPS or an Alarmbox to mount on your bike.
What does the Home Contents Insurance cover?
Please, contact us if the number of people in your household changes.
Please, contact us if you are living in or moving into a flatshare. It may influence your insurance coverage when you need it, and therefore it may be necessary to update your Home Contents Insurance.
The tables are illustrative, extractions from the insurance terms and conditions. Our claim department will calculate any future compensation according to the insurance terms and conditions.
Home contents insurance |
Basic coverage |
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Fire
You are covered if damage occurs to your property after fire, lightning or explosion. |
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Theft (e.g bicycle) and vandlism
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. |
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Weather damage
The insurance covers:
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Personal Liability
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. |
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Theft tricks, robbery, assault
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. |
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Legal aid, incl. mediation
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. |
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Urgent mental health crisis helpline incl. Tryg i livet
If you need help for a mental health crisis or emergency after witnessing or been involved in one of the following events:
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. |
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IDA TRYGhed
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. |
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Options | |
Water leak
The insurance protects your personal effects against water and other liquid damage in the following events:
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Damaged luggage abroad
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. |
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Accidents including traffic-related, sudden and eyeglass damage
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Extended Water Damage for house and townhouse owners
The insurance protects your belongings against water damage in the following situations:
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Residence coverage for tenants, co-op owners, and condo owners
The insurance covers, for instance, the following examples:
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Extended electronic malfunction, incl. transport damage
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Property for rent
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. |
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Extended bike repair
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:
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. |
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Extended new components coverage
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:
This add-on provides replacement with new parts. |
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Special coverage
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. |
How much does insurance add-ons cost?
Please, go to My Page if you wish to add or remove an add-on. You can also see the price of all the available options.
Extended basement: Add more coverage
Extended Basement protects your personal possessions in the basement against cloud bursts or snow thawing damage. It is a good option for those living in a house, townhouse or villa ground floor apartment with a basement without residential permission. If you have personal possessions in the basement for more than DKK90,000, we recommend you raise your coverage. You can add coverage for up to DKK 180,000.
Please, write to us or call us at 70 21 01 91 if you wish to add Extended Basement Coverage to your policy.