Protect your home at affordable rates with our building insurance

Storm Damage, etc.

Your home is safeguarded from weather-related damage caused by various sources, such as:

• Storm
• Pipes freeze and burst
• Roof snow pressure, avalanche and hail
• Water damage due to another covered event
• Extreme thaw or rainfalls that lead to flooding

In addition, you are also protected against sudden damage to your home due to, e.g.:

• Break-ins and vandalism
• Pouring of water, oil, coolant liquid and steam (for example, from aquariums)

Glass and Sanitary Ware

Your home is safeguarded from damages that can render your glass and sanitation ware unusable due to fractures, scaling, or scratches.

The following types of glass are covered:

• Windows and doors
• Shower doors
• Hotplates and oven doors

For example, the following sanitation is covered:

• Washbasin and kitchen sink
• Toilet bowl, bidet and cisterns

Homeowner Liability

In the event of a damages lawsuit, your house is safeguarded, and you will not be deemed liable.

Legal Assistance

If there is a dispute regarding home construction, property purchase, or sale, you are protected if there is a reasonable chance of winning the case.

Your house is protected against damage caused by, e.g.:

• Leaks in the piping installations and faults in those cables that you must maintain.
• Leaks in drainage installations could result in malfunction or damage to the building.

Furthermore, you are safeguarded from any further damages that may arise due to the ones above. Additionally, any expenses incurred during the search and localization of the leak will be taken care of once we have agreed upon them.

Your house is protected against damage caused by, e.g.:

• Leaks in hidden pipe installations.
• Hose leaks behind built-in hardware incl., including refrigerator and freezer cabinet with water supply.
• Fault in hidden electrical cables used for room heating.

Furthermore, you will be safeguarded against further harm from the abovementioned damages. All costs associated with locating and repairing the leak will also be covered.

It's important to note that hidden pipes and cables are considered installations that are not easily accessible, such as those located behind moulding or concealed within walls and floors.

This option cover can only be removed with basic coverage and electric line damage.

Your home is safeguarded from insect and fungi attacks that can cause damage to its overall strength and stability.

It covers damage to wood caused by fungus or bacteria that affects timber load-bearing ability. Rot damage in windows and doors is also covered. Please note that the insurance does not cover superficial rot in the wood after being exposed to high humidity. Therefore, the insurance does not cover the exterior of the house's wooden structures, such as panel fascia, eaves framing and visible rafters.

This optional coverage can be selected only when you have taken out basic coverage with insect and rot fungus.

Your home is safeguarded from water damage in the event of:

• Sudden water damage – e.g. water flow into the building foundation, basement floor or walls or roof constructions
• Rising groundwater or sewage
• Snowdrift
• A leak from visible installations – e.g. water from radiators or aquariums.

You will receive 50% of the expenses required to fix any cosmetic discrepancies, divided as follows:

• Ceramic and vitrified tiles - in connection to a covered claim concerning hidden pipes and cables.
• Glass and sanitary ware - in connection to a covered claim of glass and sanitation.

The improvement is limited to, for example:

• An area corresponding to the space for the cosmetic damage (floor and wall tiles and sanitary ware).
• Part of a window or door (glass).

This insurance add-on is for those who want to add protection to their house and property:

• Construction materials - covers theft, vandalism, and sudden damage to construction materials.
• Functional failure - covers faults and failures of large appliances (i.e. fridge), burglar alarm systems, and electric awnings.
• Damage caused by animals - covers repairs or replacement of damaged building parts in residential home areas. - for example, if a rat snuggles into the house and destroys the floor.
• Gardening - covers theft, vandalism, or if an unknown and uninvited guest drives into your garden landscape.

We've got you covered if you require help safeguarding your home and reducing potential risks. This protection can prove beneficial in scenarios such as:

• Tree Felling
• Frost and snow: Defrosting frozen water pipes and clearing large amounts of snow on your roof
• Capture of animals - wild birds, hedgehogs and snakes
• Removal of wasps' nest
• Removal of ants in the garden