Secure your belongings at a low cost with home contents insurance

The insurance covers the following examples:

• Casualty loss or damage caused by defective glass and sanitation due to issues such as cracking, flaking, or scratching. For coverage to apply, the insured items must be permanently installed within the building's structure.
• Damage to the building's structure caused by precipitation or meltwater penetrating through cracks, leaks, or rising through drains.
• Pest control services.
• Damage to your belongings caused by deteriorated hidden pipes, which are not covered by your building insurance.
• Adaptations to home facilities to accommodate individuals with physical disabilities.

Our insurance policy covers your luggage lost or damaged during travel. However, it's important to note that we do not cover items such as gold, silver, jewellery, or money.

Choose Special Coverage if you would like to insure things that have a special value, such as jewelry that would not normally be covered. In the event of damage or loss, you must be able to prove when the item broke or got lost to get coverage. This applies in the event of damage (e.g. if you lose a stone in an insured ring) or in the event of theft, which is normally excluded - e.g. simple theft of jewelry (it could be, for example, a piece of jewelry that is stolen from the glove compartment in the event of theft from your car).

The insurance policy covers damage to your belongings while you rent out your home, such as when you study abroad or sell your home.

Additionally, if your policy includes protection against theft, vandalism, sudden accidents, and extended electronic malfunctions, these coverages will still apply while you rent your home.

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

• Suppose there are leaks from pipe installations or containers containing 20 litres or more fluids. It includes leaks of water, oil, or any other substances.
• The building may experience slow leaks from its concealed water, heating, or drainage pipe systems.
• There may be leaks in pipes in areas of the building that are not accessible to you.

Your insurance covers regular and electric bicycles, including loose or 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 occurs 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.

Please note that our Free Home Contents Insurance version does not offer Special Coverage, Extended Bike Repair, Extended Bicycle Damage, or bikes with a value exceeding DKK15,000 per bike. If you require any of these insurance add-ons, you must opt for Student Insurance. Please contact us to learn more about this insurance if you need additional 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 policy covers any damage to the bike resulting from:

• An unexpected crash, collision, or overturning incident.
• A sudden event.
• Falling objects.
• Transportation.

This add-on provides replacement with new parts.

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

• Sudden damage to your things.
• Damage to clothes during laundry due to mechanical or electronic malfunctions in the washer or dryer.
• If your refrigerator breaks down and your food spoils due to a power outage, your insurance will cover the damages. However, if you or someone with legal access to your home intentionally cuts the power, there will be no coverage. Additionally, the insurance will cover any damage caused to other items due to spoiled food, such as refrigeration and freezing system disruptions.
• Traffic damage to your belongings during transport in a road accident such as a collision, crash or overturn.
• If your gadgets are damaged during a maritime accident while you board a boat, ship, or ferry, you must present the damaged goods to receive compensation. However, this prerequisite may not be necessary in accidents involving only boats. It is also important to note that an accident typically implies damage to the vessel.