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Fire damage covers several situations where your house may be damaged. For example, your home is protected against:

• Fire
• Direct lightning
• Explosion
• Soot and smoke damage: e.g. candles and cooking
• Damage to electrical wiring or installations

Coverage Includes the Following Weather-Related Damages:

• Storm damage
• Frost-related pipe bursts, snow pressure, avalanches, and hail
• Rain damage, if it directly results from a covered storm event
• Severe thawing or cloudbursts leading to flooding

You are also covered for sudden damage to your home caused by:

• Theft and vandalism
• Sudden leaks of water, oil, coolant, or steam (including from aquariums with a capacity exceeding 20 litres)

Homeowner's Liability

This part covers you if you face a compensation claim and are found legally liable for causing damage or injury.

Psychological Crisis Assistance

This part provides up to 10 hours of counselling in the event of an acute psychological crisis.

Accessibility Modifications

This part covers the expenses for structural changes to your home that are necessary to improve mobility following an accident, illness, or the birth of a child with a physical disability affecting you or another member of your household.

Private Legal Assistance

You are covered in case of legal disputes arising from matters such as private construction projects or the purchase and sale of real estate. Cover is contingent on having a reasonable prospect of winning the case.

This coverage includes direct damage caused by, among other things:

• Leaks in concealed pipes for water, heating, gas, oil, and drainage systems
• Leaks in hoses located behind built-in appliances, including refrigerators and freezers with a water supply
• Faults in concealed electrical cables used for room heating

You are also covered for consequential damages resulting from these issues, as well as expenses related to troubleshooting or locating the leak, provided that this has been agreed upon with us.

Concealed pipes and cables refer to installations that are not directly accessible, such as those embedded in walls or floors.

Your home is covered for direct damage caused by, for example:

• Leaks in pipe installations and faults in cables that you are responsible for maintaining
• Leaks in external underground drainage pipes, including sewer lines and inspection wells, that have caused significant functional failure and a CCTV inspection has classified it as defect class 3 or 4

You are also covered for damages resulting from the above, along with any expenses related to troubleshooting or locating the leak, provided this has been agreed upon with us beforehand.

This cover protects against the breakage of glass or sanitary fixtures. The following items are generally included:

• Windows and doors
• Shower enclosures
• Cooktops and oven doors
• Kitchen sinks and washbasins (kitchen sinks must be made of ceramic, porcelain, glass, or similar materials)
• Toilet bowls, bidets, and cisterns
• Solar panel modules

Please note that there is no insurance excess for glass and sanitary cover.

Access to professional experts who can help you with damage to your home. Here, you can get advice on both repairing and preventing damage, which may be relevant if you have climate-related challenges, for example.

A few of the relevant questions may be:

• How can I ensure that the basement does not flood?
• Why does the hallway smell of mould, and how do I get rid of it?

The hotline allows you to get telephone advice from competent experts with a construction engineering background. You can also email pictures to show the problem in your home.

Read more about the home maintenance hotline (Tryg Bolighotline)

Greenhouses/orangeries are covered for up to DKK 15,000 per claim under the home insurance policy. If your greenhouse/orangery is worth more, you can take out an extension (extended greenhouse) that covers up to DKK 150,000 per claim. We cannot offer a higher sum than this. The greenhouse/orangery should not be included in the total area for outbuildings.

In order for the greenhouse/orangery to be covered for weather damage and other sudden damage (part of the storm damage coverage, etc.), the glass and sanitaryware coverage must also be selected.

The greenhouse/orangery may only be used for hobby purposes and must not be a former commercial nursery.

The insurance covers active insect infestations that reduce the building’s expected lifespan and structural integrity. It also includes treatment for house longhorn beetles and fungal attacks that cause woodwork to break down.

This term refers to wood damage caused by fungi and bacteria that weaken the material and compromise its structural or functional integrity. Cover includes rot found in windows and doors.  

However, the insurance does not cover surface rot resulting from prolonged exposure to high humidity. As a result, the cover does not include external wooden structures such as fascia boards, bargeboards, and wall plates.

Your home is protected against direct damage from the following causes:

• Sudden water damage from precipitation when drainage is inadequate, allowing water to enter the building through the foundation, basement floor, basement walls, or roof structures
• Rising groundwater or sewage backup
• Leakage from visible pipe installations, such as radiators
• Leakage from aquariums or other containers with a capacity of more than 20 litres

Homeowners looking to strengthen the protection of their house and property can opt for the following add-on, offering an extensive range of protection:

• Building Materials Cover - This option covers theft, vandalism, and sudden damage to building materials stored on the premises.
• Functional Failure Cover - This coverage protects against electrical or mechanical breakdowns of fixed installations, such as built-in appliances, indoor spas or jacuzzis, burglar alarms, and electric awnings.
• Animal-Related Damage Cover -This option covers the repair or replacement of damaged building components in residential structures (registered in the Danish Building and Housing Register, BBR), including attached conservatories, that animals have caused.
• Garden Installations Cover - This coverage protects against theft, vandalism, and damage from vehicle impact caused by third parties who do not own or occupy the insured property.

This policy covers 50% of the repair costs for cosmetic inconsistencies. Coverage is divided into two categories:

• Tiles and Ceramics - This applies when damage is related to a covered service pipe or concealed pipe/cable.
• Glass and Sanitary Fixtures - This applies when damage is related to covered glass or sanitary items.

Coverage is limited to:

• The specific room where the cosmetic damage occurred (for tiles, ceramics, and sanitary fixtures).
• One window or one section of a glass-panelled door.

This service provides urgent measures to prevent or limit damage to your home. Here are some examples:

• Tree Felling: Covers the removal of trees on your property that have been severely damaged by storms (winds of 17.2 m/s or higher), pose a risk to people on public roads, or threaten buildings. Stump removal is not included.
• Frost and Snow: Provides thawing services for frozen water pipes and clearing of excessive snow from your roof.
• Animal Removal: Covers the capture and removal of wild animals, including birds, hedgehogs, and snakes.
• Pest Control: Covers treatment for active infestations of wasp nests, cockroaches, and bedbugs in residential buildings on your property. This service also includes telephone advice for controlling pests such as masonry bees, wood borers, bedbugs, cockroaches, moles, voles, and bats.

For assistance, please get in touch with the Claims Department for Buildings Insurance at Tryg at +45 44 20 20 80.

With our "Premium Package," you receive free installation of a rat barrier provided by our partner, KloakTek. 

If you already have a rat blocker installed, you can choose to receive two annual maintenance services instead.

Please note that free installation applies only to standard installations. If the installation site is profound (requiring a hoist) or if a drain needs modification due to narrow access, you will be responsible for any additional costs.

If you don't opt for the full "Premium Cover," you can still purchase a rat stop valve as an add-on. Read more here.