Homeowner Insurance

Condominium coverage and all-risk included

Insurance for homeowners

Plenty of protection for you, your stuff, and your home. This home insurance covers everything related to owning an apartment. The included all-risk insurance provides additional safety.

A homeowner drinking coffee in her apartment.

Affordable home insurance with no lock-in period

This home insurance protects you and your belongings, at home and abroad. Your apartment is insured at its full value, and the included all-risk insurance adds an extra layer of protection for the stuff in it.

Hylla med prydnader i en bostadsrätt.

Condominium coverage for your apartment

The included housing supplement (bostadsrättstillägg) provides necessary protection in the event of a water leak. The supplement covers hardwood floors, walls, sinks, and kitchen counters.

Iphone med Hedvig app liggandes på sovrumsbordet.

No paperwork. No waiting on hold

Handle everything right in the app. File a claim. Chat with your service team. No forms to fill out, no waiting, no call centers.

Homeowner insurance coverage

What’s covered

We will cover fire damage, e.g. an over-heated mobile charger or a failed attempt to fry fries. In case of an apartment fire, we can reimburse you for fire and smoke damages.

  • 01
    Fire due to open flames (not just glow)
  • 02
    Explosion
  • 03
    Sudden damage caused by soot
  • 04
    Lightning
  • 05
    Corrosive gas created by unintentional burning of plastics
  • 06
    Cleaning of soot caused by open fire

We cover different types of water damages, for example if a washing machine leaks uncontrollably or if a bathroom is flooded. We can reimburse you for damages to the apartment and for other costs incurred during the reparations.

  • 01
    Unexpected escape of liquid/steam from the pipework system, connected appliances or kitchen, laundry room and bathroom.
  • 02
    Leaking fridge/freezer
  • 03
    Leaking fire extinguisher
  • 04
    Leaking sink
  • 05
    Leaking aquarium

If someone, without permission, enters or damages your apartment, this will be covered by your insurance.

  • 01
    Everything you own in your apartment up to a total value of SEK 1 million

If thieves steal or damage your precious items, your home insurance will help you. Whether you are at home or out travelling, you can count on us.

  • 01
    Theft or damage to your home
  • 02
    Theft from common spaces, e.g. bike or stroller storage
  • 03
    Theft or damage to possessions that you have taken to work or a hotel room
  • 04
    Storage, e.g. Shurgard
  • 05
    Theft outside the home
  • 06
    Theft from car while travelling

Your home insurance covers you if any person, without permission, enters or damages your apartment.

  • 01
    Everything you own in your apartment up to a total value of SEK 1 million

When someone claims that you injured them or that you damaged their property, we can help you to investigate what happened. If you caused the damage, we can reimburse you for court costs and pay damages.

  • 01
    E.g. damages to someone else's sink
  • 02
    E.g. leak from your apartment that affects your neighbour
  • 03
    E.g. your dog bites someone
  • 04
    Investigation and negotiation
  • 05
    Legal representation
  • 06
    Compensation: Maximum SEK 5 Million

We can reimburse you for the cost of hiring an attorney if you end up in legal dispute. The coverage is valid for disputes tried in the district court, the High Court or the Supreme Court.

  • 01
    Custody dispute
  • 02
    Inheritance dispute
  • 03
    Property dispute
  • 04
    Legal representation
  • 05
    Claims according to Tort Liability Act
  • 06
    Compensation: SEK 1,500 - 250,000, 25% deductible

In the event of war or a natural catastrophe during your outbound travel, we will reimburse you for the cost of a flight home and other necessary and reasonable costs.

  • 01
    Travel coverage first 45 days
  • 02
    Evacuation in the event of war
  • 03
    Evacuation in the event of an epidemic
  • 04
    Evacuation in the event of natural catastrophes, earthquake or volcanic eruption

We will compensate you if you're the victim of a crime, e.g. assault, robbery or rape. You can also seek compensation if someone attempts to commit crimes against you.

  • 01
    Assault or robbery
  • 02
    Aggravated assault with life threatening damages
  • 03
    Aggravated robbery
  • 04
    Persecution aged 18 and under
  • 05
    Rape
  • 06
    Compensation: SEK 8,000 - 200,000, no deductible

Our travel protection is eligible during the first 45 days of your travel and will reimburse you for costs due to acute illness, injury and acute dental injury. If considered necessary, we can provide you with a flight back home to Sweden for further medical assistance.

  • 01
    Casualty, acute illness, acute dental issues
  • 02
    Cancelled travel due to a closely related person dying / becoming seriously ill or injured
  • 03
    Medical assistance and accommodation
  • 04
    No deductible
  • 05
    No maximum limit for reimbursement

We are here for you when you you have issues with your fridge, freezer, washing machine, dryer, dishwasher or oven. If your freezer breaks down, we will even compensate you for spoiled food.

  • 01
    White goods/home appliances due to short circuit, over voltage or high voltage
  • 02
    Installations of heating, water supply, sewerage, ventilation and gas
  • 03
    Windows panes
  • 04
    Clothes due to washing machine/dryer problems
  • 05
    Sanitary ware (e.g. toilet and sink)
  • 06
    Food in freezer due to power outage
  • 07
    Self-installed elevator (Maximum SEK 20,000)

Our all-risk insurance can provide compensation for damages caused by a sudden and unforeseen external event, e.g. spilling coffee on your laptop, dropping your mobile phone or sitting on your glasses. All-risk is always included at no extra costs.

  • 01
    Unforeseen damages
  • 02
    Unforeseen events
  • 03
    E.g. you spilled coffee on your laptop
  • 04
    E.g. you dropped your phone in the toilet
  • 05
    E.g. you sat on your glasses
  • 06
    Compensation: SEK 50,000, max, per claim

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 room or a penthouse, there's no compensation cap.

  • 01
    Water or fire damage on interior, e.g. your new kitchen
  • 02
    Water or fire damage on surfaces, e.g. your new floor

Your apartment is insured at

Full value
If your apartment is damaged, Hedvig will pay for the reparation or restoration without any threshold

Your things are insured at

1 000 000 SEK
All your possessions are together insured up to 1 million SEK

The deductible is

1 500 SEK
Deductible is the amount you have to pay yourself in the event of a damage

Travel insurance

45 days
Travel insurance covers you during the first 45 days of your trip and is valid worldwide
Documents
Our terms and conditions are currently only available in Swedish. Contact us if you have any questions.
SE Apartment Terms and Conditions pdfSE Apartment BRF IPID pdfSE Apartment BRF Presale pdf

Do you have a question?

Here are some frequently asked questions and answers.

When owning an apartment, it’s important to have an insurance that covers the actual apartment, not just the belongings inside it. In Sweden, the insurance term for this is “bostadsrättstillägg”. Hedvig can compensate you for costs to repair damage to your apartment and fixed furnishings. In this way, there is no compensation cap.

It’s easy! When you sign up for Hedvig, select that you want to do an automatic switch and simply tell us which company you are insured with today, and we’ll take care of the switch for you.

The coverage for your home is unlimited. Your personal belongings are insured up to 1 million SEK.

In almost all cases, the deductible is 1,500 SEK. However, for legal protection it is 25% of the total cost (but no less than 1,500 SEK). Travel and assault compensation have no deductible.

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

Our homeowner insurance lets you rest easy at home as well as abroad. Whether it’s lost luggage, delays, medical expenses, or some other travel-related issue, you’ll get help no matter where in the world you are (except for areas the Swedish Ministry of Foreign Affairs advises against traveling to).

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© 2023 Hedvig AB

Tulegatan 2A
113 58 Stockholm
Org.nr. 559093-0334