Home Insurance

Hedvig is different from other insurance providers. We only deduct a fixed commission from the premiums you pay us. The rest of the money is earmarked for compensation. If there’s any money left once the claims have been paid out we donate it to charities selected by you and other customers. This means that the money paid into Hedvig belongs to you, not to us. We think that’s fairer.

In some cases, homeowners' insurance is required in Sweden from landlords. In Sweden, 97% of the population therefore has home insurance.

The home insurance itself in Sweden cover you, your home & belongings that covers most of the stuff you need coverage for in your daily life.

Hedvig covers you for many different scenarios. But in summary, you could say that your home insurance should cover you for any financial losses incurred, should your private property be lost or damaged. The home insurance will also cover you should you get into trouble when travelling, or if you are responsible for damaging others or their property. In addition, you are also covered for any costs relating to disputes and legal proceedings.

We have chosen to split your home insurance into three parts. 'You and your family', 'your apartment' and 'your stuff'.

The insurance covers you – the policyholder. Anyone registered at your address is also covered, provided that they live with you permanently. The insurance also covers anyone who lives with you that is not registered at your address, provided that you tell us their name so that we can include it in the insurance policy. Any children aged under 18 who live elsewhere part of the time are covered by the insurance when they are living with you, unless they are covered by other insurance. When we use the words ‘you’, ‘your’ and ‘yours’ in this document, we are referring to any individual covered by the insurance.

The insurance applies within the Nordic countries.

When traveling, the insurance applies anywhere in the world for the first 45 days of the trip, counting from the day that you left the insured property. Brief visits to your normal place of residence lasting less than 30 days, where the intention is to return to the same destination, do not result in the start of a new 45-day period. The insurance does not apply to damage that occurs in countries that the Foreign Office advises against travelling to.

If you move, both your old and your new address are considered the insured address for a period of one month, counting from the move date. Limitations to maximum compensation for damage that occurs anywhere other than the locations listed in section C do not apply to damages that occur during the actual physical move between two addresses that are or will be insured with Hedvig.

Your insurance covers you should another party claim compensation from you for personal injury or property damage, provided that the event in question took place while you were insured with Hedvig and that the matter is covered by the liability insurance.

In some disputes, your insurance will cover representation and court fees that the other party will not compensate you for and that is not covered by your liability insurance with Hedvig as above. You will not be entitled to compensation if you waive your opportunity to seek compensation from the other party, inside or out of court.

The insurance covers you for accidents, acute illness, acute dental problems, emergency situations during your trip and if you have to cut your trip short due to the death or serious illness or injury of a relative. The day of the first doctor’s appointment is considered the first sick day. The insurance covers you as a private individual; i.e. it does not cover any of the above situations if they occur whilst you are on a business trip, working or performing any other activities with the intention of earning money during a personal trip. You are covered by the insurance for the first 45 days of your trip, which must be outside of Sweden or intended to last for at least 48 hours. The trip is considered to have started once you leave the insured property and to last until you arrive home again.

Medical expenses
You will be compensated for necessary and reasonable expenses incurred during the trip (i.e. not after return to your home country) associated with urgent medical care, hospital care, treatment, aids and local travel for care and treatment, if prescribed by a competent doctor. Journeys made using your own vehicle are compensated at SEK 20 per 10 km. Acute dental problems and injuries resulting from an accident are covered at a maximum of SEK 5,000 for necessary and temporary treatment locally. You are entitled to compensation for the aforementioned expenses for no more than one year following the first doctor’s appointment. Medical treatment must be approved by Hedvig ahead of time. Hedvig reserves the right to request, following an assessment by its own doctors, that you return to Sweden for treatment. If you fail to do so, your entitlement to compensation may be reduced or revoked.

Additional expenses associated with return journey or continued travel
If a doctor recommends, in writing, that you or your travel companion should return home at a different time or by other means than planned, or that you should not continue a pre-booked and paid-for trip, you will be compensated for necessary and reasonable additional expenses associated with your return journey or with re-joining the continued trip at a later date.

Cost of repatriating deceased individuals and funeral costs
In event of death, the insurance will cover the cost of repatriation of the deceased to the deceased’s home locality in Sweden and additional expenses associated with the return travel of travel companions covered by this insurance13policy. When a death occurs abroad, compensation may be granted for burial or cremation locally instead of repatriation, up to a cost of SEK 10,000.

Travel expenses for relatives visiting seriously ill travellers
If a doctor deems that your injury or illness is life-threatening, we will cover necessary and reasonable expenses associated with no more than two relatives travelling from and back to their home locality in Sweden, including additional accommodation expenses.

Additional accommodation expenses If a doctor recommends, in writing, that you or your travel companion should change the planned accommodation arrangements or stay away for longer than planned, we will cover additional expenses for accommodation for up to 45 days from the first doctor’s appointment.

When something serious has happened at home
If you are forced to cut a trip short you will be compensated for necessary and reasonable additional expenses associated with your return to your home locality. The trip must be authorised by Hedvig ahead of time. Compensation is awarded only if the return journey is necessary. The insurance does not cover the cost of return to the location where the trip was cut short.

Unused travel expenses
You are covered by the insurance for the first 45 days of your trip, provided that the destination is outside of Sweden or that the trip is intended to last longer than 48 hours. The trip is considered to have started once you leave the insured property and to last until you return to that address.

On average, Hedvig's prices are 20% lower than the market because we have digitised processes that are very costly for older insurance companies. But since insurance premiums are set individually, it is difficult to say that Hedvig is cheaper for everyone. For example, the price may vary depending on how you live, where you live and how many people you live with. We can estimate this quickly and easily – all you have to do is answer some questions here.

Of course we do! For those who live in a rental property, it costs 79kr/ month. And for tenant-owned apartments, it costs 99kr/month. The offer is valid for those who are under the age of 30 and live in a place that's 50 square meters or smaller.

You can read more about our student offer here.

In almost all cases, the deductable is 1500 kr. However, for legal protection it shall be 25% of the total cost (but no less than SEK 1,500). Travel and assault compensation are without deduction.

Yes, all risk is always included in Hedvig's home insurance.

Yes, bostadsrättstillägg is always included. When owning an apartment it's nice to have an insurance which covers the apartment, not just the gadgets inside of it. In the insurance world, this is called "Bostadsrättstillägg". Hedvig can compensate you for costs to repair damage to your apartment. Whether you live in a student room or a penthouse, there's no compensation cap.

It's no problem! When you get Hedvig, you can just tell us which insurance company you have today, and we can help you switch.

Yes, we are. All insurances are completely free from binding contracts. You can cancel your insurance at any time.