Homeowner Insurance
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.
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.
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.
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
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.
- 01Fire due to open flames (not just glow)
- 02Explosion
- 03Sudden damage caused by soot
- 04Lightning
- 05Corrosive gas created by unintentional burning of plastics
- 06Cleaning 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.
- 01Unexpected escape of liquid/steam from the pipework system, connected appliances or kitchen, laundry room and bathroom.
- 02Leaking fridge/freezer
- 03Leaking fire extinguisher
- 04Leaking sink
- 05Leaking aquarium
If someone, without permission, enters or damages your apartment, this will be covered by your insurance.
- 01Everything 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.
- 01Theft or damage to your home
- 02Theft from common spaces, e.g. bike or stroller storage
- 03Theft or damage to possessions that you have taken to work or a hotel room
- 04Storage, e.g. Shurgard
- 05Theft outside the home
- 06Theft from car while travelling
Your home insurance covers you if any person, without permission, enters or damages your apartment.
- 01Everything 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.
- 01E.g. damages to someone else's sink
- 02E.g. leak from your apartment that affects your neighbour
- 03E.g. your dog bites someone
- 04Investigation and negotiation
- 05Legal representation
- 06Compensation: 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.
- 01Custody dispute
- 02Inheritance dispute
- 03Property dispute
- 04Legal representation
- 05Claims according to Tort Liability Act
- 06Compensation: 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.
- 01Travel coverage first 45 days
- 02Evacuation in the event of war
- 03Evacuation in the event of an epidemic
- 04Evacuation 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.
- 01Assault or robbery
- 02Aggravated assault with life threatening damages
- 03Aggravated robbery
- 04Persecution aged 18 and under
- 05Rape
- 06Compensation: 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.
- 01Casualty, acute illness, acute dental issues
- 02Cancelled travel due to a closely related person dying / becoming seriously ill or injured
- 03Medical assistance and accommodation
- 04No deductible
- 05No 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.
- 01White goods/home appliances due to short circuit, over voltage or high voltage
- 02Installations of heating, water supply, sewerage, ventilation and gas
- 03Windows panes
- 04Clothes due to washing machine/dryer problems
- 05Sanitary ware (e.g. toilet and sink)
- 06Food in freezer due to power outage
- 07Self-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.
- 01Unforeseen damages
- 02Unforeseen events
- 03E.g. you spilled coffee on your laptop
- 04E.g. you dropped your phone in the toilet
- 05E.g. you sat on your glasses
- 06Compensation: 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.
- 01Water or fire damage on interior, e.g. your new kitchen
- 02Water or fire damage on surfaces, e.g. your new floor
Your apartment is insured at
Your things are insured at
The deductible is
Travel insurance
Do you have a question?
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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