Rental Home Insurance
Insurance for tenants
Everything you want from a home insurance, at a good price. Whether it’s for your own rental apartment or a sublet. All-risk and travel insurance included.
Home insurance with all-risk built in
The perfect insurance policy for you, your stuff, your place, and the people in it. The included all-risk insurance provides an extra layer of protection for things like your phone, furnishings, and bike.
Flexible protection for your rental apartment
Our home insurance is as easy to take with you when you move as it is to cancel — whenever you feel like it.
Get help in seconds. And paid in minutes.
Your service team is ready to assist you almost immediately via the app. Common accidents are often resolved the same day. The money can reach your account in minutes rather than days.
99 problems. One click.
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
- 03Lightning
- 04Corrosive gas created by unintentional burning of plastics
- 05Cleaning of soot caused by open fire
- 06Sudden damage caused by soot
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.
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 posessions that you have taken to work or a hotel room
- 04Storage, e.g. Shurgard
- 05Theft outside the home
- 06Theft from car while travelling
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 200,000 - 8,000, 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 applicances due to short circuit, overvoltage 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.
- 01Unforseen damages
- 02Unforseen 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
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
Your things are insured at
The deductible is
Travel insurance
Any questions?
In almost all cases, the deductible amounts to 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.
Hedvig’s insurance is paid monthly, by direct debit. You can easily set up the payment in our app.
Your personal belongings are insured up to 1 million SEK.
Hedvig is the first insurance company to truly appreciate the value of beauty products. If your beauty products get stolen or damaged through a sudden incident, your home insurance provides compensation.
No problem! When you get Hedvig, just tell us which company you are insured with today, and we’ll help you switch.
Planning to move? Change your address directly in our app and your new address will be valid immediately. (Your old address will be covered for 30 days after changing your address.)
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