Home insurance offers financial protection in case of burglary, fire, and covers costs for liability or legal assistance when needed. It applies to your home and extends to other family members, safeguarding their personal belongings too.
If you don’t have a Swedish personal identity number yet
To buy insurance online, you need a Swedish personal identity number (SSN). If you don’t have one yet, please use this form instead.
Why If
Benefits of insuring your home with us
Help around the clock
If something urgent happens, you can call us anytime — even in the middle of the night.
Travel cover included
You get 45 days of travel protection for holiday trips anywhere in the world. We’ll help you if you get sick, injured, or have something stolen.
Legal support and ID theft assistance
You get legal help in disputes, with coverage up to 300,000 SEK, plus support if you become a victim of identity theft.
Home insurance comparison
Compare the coverage
Premium
Extra
Home
Included
Included
Included
Your belongings at home
Your own things – as well as items you’ve borrowed or rented – are insured in your home up to SEK 1.5 million.
You’re covered if your belongings are damaged or lost due to:
burglary, theft, or vandalism
water damage
fire or lightning
Your belongings outside the home
Your insurance also protects your belongings when you take them outside your home. In those cases, you’re covered up to:
Home Insurance – SEK 30,000
Home Insurance Extra – SEK 50,000
Home Insurance Premium – SEK 100,000
Included
Included
Included
If you’re the victim of an assault involving deliberate violence, you’re entitled to standard compensation.
Included
Included
Included
If you’ve been through a traumatic event, we’ll cover the cost of seeing a psychologist.
Included
Included
Included
If your identity is stolen, we’ll help you limit the damage and handle the situation.
Included
Included
Included
In some cases, we’ll cover solicitor fees and legal costs up to SEK 300,000 if you become involved in a dispute that may go to district court.
Included
Included
Included
If someone makes a claim against you for injuring them or damaging their belongings, we’ll investigate whether you’re liable and cover any damages up to SEK 5 million.
Included
Included
Included
Your policy includes travel protection for the first 45 days of each private trip (not business trips) lasting more than 48 hours.
If you get sick or have an accident during your trip, we’ll refund medical costs, travel expenses (like extra costs to get home), and additional accommodation and food costs. You’ll also get compensation for emergency dental treatment.
Personal property cover applies up to:
SEK 100,000 (Premium)
SEK 50,000 (Extra)
SEK 30,000 (Basic)
Liability cover, legal assistance, and assault cover also apply while travelling.
Included
Included
Not included
If your belongings are damaged or lost due to a sudden and unforeseen event, this cover applies.
You’re protected up to:
SEK 50,000 with Home Extra
SEK 100,000 with Home Premier
This coverage is often called “bad luck cover”.
Included
Included
Not included
You’re covered up to the full insured amount when moving between two homes.
Included
Not included
Not included
Cancellation cover: If you need to cancel due to illness or accident, we’ll reimburse costs you can’t get back from your travel provider.
If at least half of your trip is affected by illness, you can get compensation based on the full cost of the trip.
If an accident makes you miss a prepaid departure, we’ll cover the extra costs to catch up. You’ll be reimbursed for unused travel expenses if you can’t complete a large part of your trip due to illness or accident (within the first 45 days, not during extended cover).
You may get compensation if your luggage is delayed on arrival.
If you’re charged a deductible for damage to a rental car abroad, we’ll reimburse up to SEK 10,000.
Included
Not included
Not included
Cancellation cover: If you need to cancel due to illness or accident, we’ll reimburse costs you can’t get back from your travel provider.
If at least half of your trip is affected by illness, you can get compensation based on the full cost of the trip.
If an accident makes you miss a prepaid departure, we’ll cover the extra costs to catch up.
You’ll be reimbursed for unused travel expenses if you can’t complete a large part of your trip due to illness or accident (within the first 45 days, not during extended cover).
You may get compensation if your luggage is delayed on arrival.
If you’re charged a deductible for damage to a rental car abroad, we’ll reimburse up to SEK 10,000.
If you have a question about our insurance you can find the answers to the most frequently asked questions here. You can also call 0771-655 655 and we'll help you.
Who does the home insurance cover?
Your home insurance covers you as the policyholder, along with anyone who lives with you and shares your household. They also need to be registered at the address listed in the insurance policy.
Does home insurance cover things I’ve borrowed?
Yes, your home insurance provides protection for items you own, rent, or borrow – both at home and while travelling.
However, the all-risk coverage doesn’t apply to borrowed items. One exception is borrowed computers or tablets from your child’s school, which are included.
Is travel insurance included in the home insurance?
Yes, it includes travel protection for private trips of up to 45 days anywhere in the world.
If you have Stor Hemförsäkring (Home Insurance Premium), you also benefit from added extras like cancellation cover and compensation for delays.
Does home insurance include third party liability?
If you have Stor Hemförsäkring or Hemförsäkring Extra (Home Insurance Premium or Home Insurance Extra), your policy includes third-party liability, also known as all-risk insurance. We call it ‘Misfortune’, and it helps to cover sudden and unexpected damage to or loss of your belongings caused by external incidents.
Home Premium: covers up to SEK 100,000.
Home Extra: covers up to SEK 50,000.
Can I get alternative accommodation after a fire?
Yes, if your home becomes uninhabitable due to a fire or other types of damage, your insurance covers the cost of replacement accommodation.
Are losses from theft during a party covered?
No, the insurance won’t cover theft if someone you allowed into your home takes your belongings. It only covers theft if someone breaks in or forces entry.
Does the insurance apply if my mobile is stolen from the car?
Unfortunately, mobiles are considered items prone to theft and aren’t covered under any type of home insurance if stolen from a car.
Do I need home insurance when living in a sub-let?
Yes, whether you rent an apartment directly or through a sub-let, you need home insurance. Your policy protects your personal belongings, as well as items you’ve rented or borrowed.
However, it’s the landlord’s responsibility to insure the apartment or house itself—you don’t need to worry about that.
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How does my insurance apply if I rent out my home?
If you plan to rent out your home, you’ll still need suitable insurance. This depends on whether you have a tenancy or own the property through a housing association, as well as if you’re leaving furniture or personal items in the home.
If it's through a housing association, you’ll need a supplement for your home insurance to reflect that.
It’s important to have permission from the landlord or housing association before renting—otherwise, it could be considered illegal.
For frequent rentals or larger-scale activities, your rental could be classified as a business, which requires a specialised insurance policy.
If you’re unsure, just reach out, and we’ll help you find the right insurance for your situation.
Does the home insurance cover ID theft?
Home insurance provides support if you experience identity theft. While it doesn’t stop someone from stealing your identity, it helps with:
Preventive advice to reduce the risk of ID theft
Guidance to minimise the impact if theft occurs
Legal assistance to correct or challenge errors caused by the ID theft