House insurance

A house insurance protects both your house and plot. It includes protection in the event of fire, water damage, bad luck, natural damage, rebuilding, theft, vandalism, and burglary, as well as liability and legal protection — and much more.

All-risk insurance applies to all buildings, as well as the plot, in the insurance policy. House insurance doesn’t cover possessions or protect you in the event of accidents or travel-related damage. For this, you need to complement the house insurance with one of our other insurances: home contents insurance, accident insurance, or travel insurance.

Damage refers to a sudden and unforeseen event. It is not possible to insure yourself against something that you know for certain will occur. It must also be possible to calculate and estimate the extent and cost of the damage. This can mean that events that are sometimes called “damage” are not classified as such by the insurance terms. In these cases, no compensation can be paid out.

The insurance covers you as the policyholder, as well as persons registered at the same address and listed as co-insured in the insurance certificate. If someone who is not registered at the address is to be covered, he or she must be named in the insurance certificate.

The insurance covers water damage caused by:

• Water or other liquid that leaks out in the event of any of the following bursting, leaking, or overflowing:
  • pipe system for water, heating, or drainage, or a device connected to such a system (eg washbasin or boiler)
  • aquarium
• Water that leaks in through the ground or the drainage system, in such an amount that it results in standing water above the floor. Water in raised floor construction is not considered free-standing.

The insurance covers damage to a house, plot, or other insured building which has been caused by a burglary. Your things are not covered by the house insurance — for that you will need a home contents insurance, which you can purchase through the Hedvig app.

If your house is damaged, Hedvig pays for repairs without any amount limit. If the house is damaged beyond repair, Hedvig pays for the rebuilding of a corresponding or similar house.

Our full terms and conditions indicate what is included in the insurance, and what is not covered. In addition to this, the fact sheet for insurance products provides a handy overview of the house insurance. You can find these documents on the product page for the insurance you are interested in.

You can cancel whenever you want. Just use the chat function in the Hedvig app to tell us on what date you wish to terminate your insurance, and we will take care of the rest.

The insurance is paid monthly via Apple Pay or your bank card. When you buy your insurance, you choose the payment method that suits you best. We charge retroactively at the end of each month.