Rental Home Insurance

All-risk included · No lock-in period

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.

Man lying in sofa

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.

Green chair in living room

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.

Mobile with Hedvig app on coffee table.

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.

Rental home 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.

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

  • 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 posessions 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

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 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.

  • 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 applicances due to short circuit, overvoltage 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
    Unforseen damages
  • 02
    Unforseen 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

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

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
Read more in our terms and conditions. (Currently only available in Swedish, contact us if you have any questions)
SE Apartment Rent Terms and Conditions pdfSE Apartment Rent IPID pdfSE Apartment Rent Presale pdf

Any questions?

Read our Q&A or reach out to us.

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.)

Need help signing insurance?

Buy over the phone
9:00-16:00

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© 2023 Hedvig AB

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