House Insurance

For home and property

Our combined home and house insurance includes protection for you and your property, including your family and your belongings. Personal help is just a click away in case of major damage or minor accidents.

How we handle personal data

A cozy fire burns in the fireplace in the living room of a villa. Next to it is a plant in a pot. Firewood is stored underneath. In the foreground, a person sits in an armchair and reads a book.

Personal help for major and minor misfortunes

Water leaks, pests, burglary, tree fell on your house? Our house insurance covers both extensive damages and small accidents in your house or on its plot. File a claim in the app, and our service team will take it from there.

Bundle discount

You can get 15% discount when you have two insurances with us

A modern house insurance

Free from binding time

Show insurable limits

Insurance coverage

Comparison of House Insurance: Max, Standard and Bas
Insurance coverage	Max
Your house is insured for its full value. This means that if you suffer a major water leak or fire, there is no limit to the compensation you can receive to repair or rebuild your house.
The insurance covers damage to your belongings in your house. This also applies to things you rent or borrow. 01In case of theft, vandalism and burglary 02In case of fire 03In case of water leaks 04In case of extreme weather
The insurance covers damage or loss of your belongings when you take them with you outside your house or when they are stored at another adress. Specific terms apply to, for example, theft-prone property and belongings stored in your car.
Compensation for damaged white goods that can no longer be used. This also covers damage to installations such as alarms, water, heating, and electrical systems.
The insurance covers damage to your house and belongings caused by events such as flooding, snow pressure, storms, hail, cold weather or earthquakes.
If your house is affected by pests, you can get compensation for decontamination. The coverage includes house longhorns, carpenter ants, ants, mice and other household pests.
The insurance covers the costs of decontamination, removal, and restoration of internal damage if your house is affected by dry-rot fungus.
The insurance covers damage to your house when you renovate or rebuild the house. You may also receive compensation for theft of materials and tools that you use during the renovation. For the coverage to apply, you need to notify us before starting the construction work, and you must intend to own the house once it is completed. 01Covers your house during renovations and reconstruction 02Also applies to work sheds, materials and tools
Compensation of up to 35 000 kr per bike for theft or vandalism. If you have home insurance with all-risk coverage, you may also be eligible for compensation for accidents, such as falling off your bike or collisions. 01Bikes and related accessories 02Electric bikes classified as bikes 03Your standard deductible applies
Applies if someone claims that you have caused them injury or damaged their property. We can help you with investigation, negotiation, and legal representation in a potential court trial, as well as cover the cost of damages for which you are liable.
Legal protection can give you compensation for costs of a legal dispute, such as hiring an attorney and paying court fees. It applies to cases like property, custody or inheritance disputes. 01Valid for disputes handled in general courts 02The deductible is 20% of the cost (at lowest your fixed deductible and no more than 40 000 kr)
The insurance covers the costs if you need urgent care while traveling or if you get into an emergency situation at your destination. 01Accident, acute illness, acute dental issues 02Evacuation due to natural disasters, epidemics or war 03Interrupted trip if a co-traveler or close family member at home becomes seriously ill or injured
Treatment by a therapist or psychologist if you experience mental health issues directly caused by an event covered by the home insurance. 01Valid for up to 10 sessions with a therapist or psychologist, for a total amount of 15 000 kr 02The treatment and costs must be approved by us in advance 03Applies without deductible
This protection can provide you with compensation if you are a victim of a crime such as robbery, assault or abuse. The amount of compensation depends on the type of crime you experience. You can also receive compensation if someone attempts to commit a crime against you.
If you move, the insurance covers your belongings in both your old and new home for 30 days from the moving date. Your belongings are also covered during the move itself, as long as you don’t hire a moving company.
All-risk protection covers items you lose or accidentally damage due to a sudden, unforeseen external event. For example, it applies if you drop something, knock it over, sit on it, or spill liquid on it and it breaks. For all-risk damage to the house or fixed furnishings, you can receive compensation of up to 200 000 kr.
ID protection can help you prevent and detect identity theft, as well as limit the financial losses caused by such an event. You can also receive help and advice if personal or offensive content about you is published without your consent. If you have the Max insurance level, you will also get access to our online service that monitors if your information is illegally spread online.
Some home electronics that are not older than four years at the time of the damage will be compensated based on the original purchase price. 01Computers, hardware, and headphones 02Tablets, portable media players, including gadgets 03TVs, home cinema systems, speakers, media players, and game consoles
For each damage event, the maximum age deduction is 10 000 kr (instead of 100 000 kr) for fixed furnishings and some building parts in your house. Read more about which parts are included in the terms and conditions.
The insurance covers your home and your belongings if you rent out your house, or parts of it. It applies to private purposes when you, as a private person, enter into an agreement with the tenant.

Comparison of House Insurance: Max, Standard and Bas
Insurance coverage	Max	Standard	Bas
Your house is insured for its full value. This means that if you suffer a major water leak or fire, there is no limit to the compensation you can receive to repair or rebuild your house.
The insurance covers damage to your belongings in your house. This also applies to things you rent or borrow. 01In case of theft, vandalism and burglary 02In case of fire 03In case of water leaks 04In case of extreme weather
The insurance covers damage or loss of your belongings when you take them with you outside your house or when they are stored at another adress. Specific terms apply to, for example, theft-prone property and belongings stored in your car.
Compensation for damaged white goods that can no longer be used. This also covers damage to installations such as alarms, water, heating, and electrical systems.
The insurance covers damage to your house and belongings caused by events such as flooding, snow pressure, storms, hail, cold weather or earthquakes.
If your house is affected by pests, you can get compensation for decontamination. The coverage includes house longhorns, carpenter ants, ants, mice and other household pests.
The insurance covers the costs of decontamination, removal, and restoration of internal damage if your house is affected by dry-rot fungus.
The insurance covers damage to your house when you renovate or rebuild the house. You may also receive compensation for theft of materials and tools that you use during the renovation. For the coverage to apply, you need to notify us before starting the construction work, and you must intend to own the house once it is completed. 01Covers your house during renovations and reconstruction 02Also applies to work sheds, materials and tools
Compensation of up to 35 000 kr per bike for theft or vandalism. If you have home insurance with all-risk coverage, you may also be eligible for compensation for accidents, such as falling off your bike or collisions. 01Bikes and related accessories 02Electric bikes classified as bikes 03Your standard deductible applies
Applies if someone claims that you have caused them injury or damaged their property. We can help you with investigation, negotiation, and legal representation in a potential court trial, as well as cover the cost of damages for which you are liable.
Legal protection can give you compensation for costs of a legal dispute, such as hiring an attorney and paying court fees. It applies to cases like property, custody or inheritance disputes. 01Valid for disputes handled in general courts 02The deductible is 20% of the cost (at lowest your fixed deductible and no more than 40 000 kr)
The insurance covers the costs if you need urgent care while traveling or if you get into an emergency situation at your destination. 01Accident, acute illness, acute dental issues 02Evacuation due to natural disasters, epidemics or war 03Interrupted trip if a co-traveler or close family member at home becomes seriously ill or injured
Treatment by a therapist or psychologist if you experience mental health issues directly caused by an event covered by the home insurance. 01Valid for up to 10 sessions with a therapist or psychologist, for a total amount of 15 000 kr 02The treatment and costs must be approved by us in advance 03Applies without deductible
This protection can provide you with compensation if you are a victim of a crime such as robbery, assault or abuse. The amount of compensation depends on the type of crime you experience. You can also receive compensation if someone attempts to commit a crime against you.
If you move, the insurance covers your belongings in both your old and new home for 30 days from the moving date. Your belongings are also covered during the move itself, as long as you don’t hire a moving company.
All-risk protection covers items you lose or accidentally damage due to a sudden, unforeseen external event. For example, it applies if you drop something, knock it over, sit on it, or spill liquid on it and it breaks. For all-risk damage to the house or fixed furnishings, you can receive compensation of up to 200 000 kr.
ID protection can help you prevent and detect identity theft, as well as limit the financial losses caused by such an event. You can also receive help and advice if personal or offensive content about you is published without your consent. If you have the Max insurance level, you will also get access to our online service that monitors if your information is illegally spread online.
Some home electronics that are not older than four years at the time of the damage will be compensated based on the original purchase price. 01Computers, hardware, and headphones 02Tablets, portable media players, including gadgets 03TVs, home cinema systems, speakers, media players, and game consoles
For each damage event, the maximum age deduction is 10 000 kr (instead of 100 000 kr) for fixed furnishings and some building parts in your house. Read more about which parts are included in the terms and conditions.
The insurance covers your home and your belongings if you rent out your house, or parts of it. It applies to private purposes when you, as a private person, enter into an agreement with the tenant.

Your house insured at its full value

Full-value insurance is always included. This means that you can have a new house built if your home gets destroyed.

Do you have a question?

Here are some frequently asked questions and answers.

The coverage for certain damages to your house is unlimited. Your personal belongings are insured from 1,5 million to 3 million SEK depending on which coverage you choose.

You price is calculated based on a couple of different factors: the size of the house, how many bathrooms it has, where you live and how many you live with, as well as which insurance package you choose. You can also choose a higher deductible to get a lower insurance price.

The house insurance applies to freehold houses, terraced houses and townhouses that you own and use as your permanent residence. It does not apply to summer houses or other holiday cottages, which are covered under vacation home insurance. Neither does it apply to houses that are part of a housing cooperative ("bostadsrättsförening").

Hedvig covers you and the people you live with, given they're listed in your insurance policy.

Hedvig’s house insurance covers your belongings — such as iPads, furniture and glasses — in case they are damaged or broken. If your child should lose or break a precious object, rest assured that we’ll reimburse you. The baked-in liability insurance applies to damage to other people’s property, regardless of who in your family caused the damage.

When you take a price quote for our house insurance, tell us which insurance company you have today, and we can help you switch. That goes for most of the insurance companies, but not all. The option “Switch automatically” means that we cancel your current insurance and activate your new one on the same day your old insurance expires.

To keep the price down, we have opted out of certain protection — such as boathouses, hot tubs, and leakage caused by waterbeds. In this way we ensure that you only pay for protection that you actually need.

There’s no such thing! Hedvig is one of few insurance companies in Sweden that offers house and home insurance without any binding time. Cancel at any time.