Plenty of protection for you, your family, your stuff and your apartment. This home insurance covers damages related to owning a condominium. Without any lock-in period.
The home insurance protects you and your belongings, at home and abroad. Your apartment is insured at its full value, and covers both small and extensive damages.
Home Insurance Max with addon Travel Plus is rated 4.4 out of 5
Always without binding time
Covers the cost of repairing damage to your apartment with no maximum limit. Applies to water and fire damage. If you have Home Insurance Standard or Max, you can also get compensation for all-risk damages to the apartment up to 200 000 kr.
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The insurance covers damage to your belongings in your apartment. This also applies to things you rent or borrow.
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The insurance covers damage or loss of your belongings when you take them outside your apartment, as well as belongings stored in places like basement storage rooms, shared spaces, or at another address. Specific terms apply to laundry in shared laundry room, belongings stored in your car and theft-prone property. | |
Compensation for damaged white goods that can no longer be used. This also covers damage to installations such as alarms, water and electrical systems that you are responsible for. | |
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.
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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.
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The insurance covers the costs if you need urgent care while traveling or if you get into an emergency situation at your destination.
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Treatment by a therapist or psychologist if you experience mental health issues directly caused by an event covered by the home insurance.
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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. | |
The all-risk insurance covers your belongings that you accidentally lose or break in a sudden and unforeseen event. For example, it can include spilling coffee on your computer, dropping your mobile phone, or sitting on your glasses. For all-risk damage to fixed furnishings in your apartment, a higher insurance amount applies. | |
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.
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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 apartment. Read more about which parts are included in the terms and conditions. | |
The insurance covers your apartment and your belongings if you rent out your home, or parts of it. It applies to private purposes when you, as a private person, enter into an agreement with the tenant. |
| Max | Standard | Bas | |
|---|---|---|---|
Covers the cost of repairing damage to your apartment with no maximum limit. Applies to water and fire damage. If you have Home Insurance Standard or Max, you can also get compensation for all-risk damages to the apartment up to 200 000 kr.
| |||
The insurance covers damage to your belongings in your apartment. This also applies to things you rent or borrow.
| |||
The insurance covers damage or loss of your belongings when you take them outside your apartment, as well as belongings stored in places like basement storage rooms, shared spaces, or at another address. Specific terms apply to laundry in shared laundry room, belongings stored in your car and theft-prone property. | |||
Compensation for damaged white goods that can no longer be used. This also covers damage to installations such as alarms, water and electrical systems that you are responsible for. | |||
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.
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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.
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The insurance covers the costs if you need urgent care while traveling or if you get into an emergency situation at your destination.
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Treatment by a therapist or psychologist if you experience mental health issues directly caused by an event covered by the home insurance.
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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. | |||
The all-risk insurance covers your belongings that you accidentally lose or break in a sudden and unforeseen event. For example, it can include spilling coffee on your computer, dropping your mobile phone, or sitting on your glasses. For all-risk damage to fixed furnishings in your apartment, a higher insurance amount applies. | |||
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.
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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 apartment. Read more about which parts are included in the terms and conditions. | |||
The insurance covers your apartment and your belongings if you rent out your home, or parts of it. It applies to private purposes when you, as a private person, enter into an agreement with the tenant. |
The included tenant ownership supplement (bostadsrättstillägg) provides necessary protection in the event of a water leak. The supplement covers hardwood floors, walls, sinks, and kitchen counters.
Enhance your travel insurance to cover more events that may affect your trip. You can choose to extend your protection to 60 days per trip.
Cancellation coverage
Travel delays and ruined trips
Reduced deductible for rental car
Unused activity or event
Handle everything right in the app. File a claim and get support from your service team. No extensive forms to fill out, no call centers.
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! Most of the time. If you get the option “Switch automatically” when you sign an insurance at Hedvig, we’ll take care of the cancelation for you. Your new home insurance will be activated on the same day your old insurance expires.
The coverage for certain types of damage to your apartment is unlimited. Your personal belongings are insured up to 3 000 000 kr, depending on the level of coverage you choose.
You choose a fixed deductible between the amount of 1 750 kr – 10 000 kr, which will apply to most types of claims. A higher deductible means a lower price of insurance.
However, for legal protection the deductible is 20% of the total claims cost. For some type of claims in the home insurance, the deductible is 0 kr.
Our homeowner insurance lets you rest easy at home as well as abroad. The included travel protection compensates cost related to accidents, illness, acute dental problems, if you end up in an emergency situation during travel or if you are forced to cancel your trip due to a fellow traveller or relative at home has become seriously ill or injured.
The travel coverage applies no matter where in the world you are, except for areas the Swedish Ministry of Foreign Affairs advises against travelling to. You’ll get help 24/7 from our partner SOS International.
You can also choose to add our supplementary coverage, Travel Insurance Plus, for an enhanced protection when you travel.
Read more in our terms and conditions
Discover our other insurances
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Homeowner
