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If there is one insurance you really need, it is a home insurance. It includes important protection that covers you, your family, your home and your belongings, both at home and when you’re on the go. Read on to find out what it means to insure your home.
Whether you rent an apartment or own a house, you need to insure your home. Home insurance not only provides compensation for damages to and loss of your belongings, but also applies to other tricky situations in life — including if you are required to pay damages and end up in a legal dispute.
There is no law in Sweden that stipulates that you must have a home insurance. However, only 5% of Swedes have their homes uninsured — which still means that there are hundreds of thousands people lacking important protection.
There is a certain degree of protection that all home insurance policies in Sweden must include. If you have taken out an insurance without checking what it actually covers, you may be surprised by how much is included. The insurance not only covers your home and your belongings in the event of several different kinds of damage, but also provides protection for you and your family if, for example, you are sued for damages or need medical care abroad.
There is no fixed price that applies to everyone. The cost of a home insurance policy is determined based on several different factors in your life and housing situation. Where you live, if you rent or own your home, and its square footage are examples of factors that affect the price.
The price can vary significantly depending on whether you live in Stockholm or a smaller city, as well as between different insurance agencies. The important thing is that the insurance is designed for your needs and that you pay for what you need.
By way of example, Hedvig’s student insurance starts at 49 SEK per month, while a family in a house can expect to pay a few hundred SEK.
Being a lodger can have many benefits for your life situation. It can be a cheaper alternative of accommodation if you quickly need to find somewhere to live. When you move in with someone else, you are not covered by the homeowner's insurance and, among other things, your own belongings are unprotected. In most cases, it is best to have your own home insurance, but there are also other options that can suit your housing situation.
If your partner is registered at your address and permanently lives with you, the insurance applies to both of you. You do not need to have a separate home insurance for your partner — just make sure to let us know that there are more people living with you.
Simply put, it refers to things that are not permanently mounted — in other words, things that can be moved. In an insurance context, it is useful to know the value of your movable property. The protection for movables applies to, among many other things, clothing, electronics, and furniture.
Age deduction affects how much you get in compensation for a thing that breaks or disappears. The deduction is the difference between what you paid when you bought a new gadget and what the gadget is worth today. It can be compared to if you were to sell an iPad on Blocket, for example, five years after you bought it. The current sales price is, of course, lower than the item’s original price when it was brand new. This market value also corresponds to what you receive in compensation from your insurance after the age deduction.
Losing your home keys can be a major inconvenience; changing locks is often costly. Whether our home insurance policy covers lost keys depends on how you lost them — so it is important that you are extra careful not to. If your keys are stolen (provided you didn’t store them in a careless manner), the insurance applies. However, if you simply lose them, they are not covered — since they, unlike things like cell phones, are considered as valuables.
When you move, it is important (and super easy) to update your insurance information to reflect details of your new home, such as the address and square footage. And don’t worry: Hedvig is available in the entire country — from large cities such as Stockholm, Gothenburg and Malmö to smaller residential areas in the countryside.
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