Home insurance for a flat or a terraced house

When you want the best coverage for you home. Over 90% of the compensation claims we receive get approved.

  • Ask for your personal price
  • Choose 9 for service in English
Call +358 10 19 19 19 Check opening hours and FAQs

If Home insurance is suitable for both rented and privately owned homes.

  • Covers the property that matters to you

    If your telephone breaks our comprehensive home insurances have you covered.

  • Pay your premiums in 12 instalments

    You can choose to pay your premiums in up to 12 instalments by calling our customer service.

  • Finland’s best claims services

    We provide you with smooth service and quick compensation.


Home insurance is intended for your home and movable property. Home insurance for a flat covers property such as furniture, telephones, appliances and kitchen cabinets. It may also cover expenses from temporary accommodation and damages caused to others.
Home insurance for a terraced house covers in addition the building. Please ask about different options to insure you terraced house from our customer service

What home insurance covers? ExtensivePlus Extensive Basic
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You can choose a deductible of EUR 150, 250 or 450 for your home insurance. The most common deductible chosen by our customers for movable property is EUR 150.

If's extensive home insurance is a test winner!

If Extensive Home Insurance won a test published in Kuluttaja magazine (07/20) comparing the extensive home insurance policies of eight insurance companies.

Our insurance policy was chosen as the best in the test, receiving top scores in all the areas compared in the test: price, terms and conditions, and customer satisfaction.

Why home insurance from If?

Our home insurance is designed to take good care of your favourite place and belongings. The insurance covers a wide range of household items from household appliances to electronics, as well as the permanent fixtures in your home, such as kitchen cabinets or the bathroom sink. If you have major damage at home and need to temporarily stay elsewhere, we will also reimburse costs incurred from that.

Home insurance covers family members living in the same household and is also valid outside your home on journeys of up to one year.

Our home insurance always includes liability insurance and legal expenses insurance. These covers help in disputes and criminal cases or if you or your family members cause loss or damage to others.

Extensive home insurance covers phone breakdown

Loss or damage to a telephone is the most commonly compensated damage covered under home insurance. If you have an Extensive home insurance policy, we will compensate loss or damage such as a broken screen, water damage or theft.

If you have an expensive smartphone or laptop, we highly recommend the ExtensivePlus home insurance. Under ExtensivePlus home insurance, the age of your phone does not affect the amount of compensation if the loss or damage occurs on the year of purchase or in the next two years.

ExtensivePlus is our most comprehensive home insurance, and you can safely switch to it. When you take out ExtensivePlus insurance, we promise to compensate at least the same as your current home insurance policy would. This means that if your previous insurance policy from another insurance company would have compensated for the damage, we will also compensate for it, even if it is not included in ExtensivePlus insurance.

Legal assistance in identity theft

If you fall victim to identity theft, we will assist you in resolving the situation. You can apply for compensation if you need to use legal assistance for drawing up an investigation report, assisting in a preliminary investigation or rejecting unlawful claims, for example. These legal costs are covered up to EUR 2,000 without any deductible.

The insurance does not cover any other financial losses or expenses resulting from identity theft, or costs related to gainful activity or a crime committed by another family member, for example.

Identity theft cover is fixed-term and valid from 1 June 2020 to 31 May 2022.

Example: As a result of identity theft, you have received unfounded invoices that you have reported to the police. However, the invoicer has not waived its claims. In this situation, you can use the assistance of a Finnish lawyer to reject the claims.

Quick claims service without sudden price increases

When you take out a home insurance from If you can rest assured that the price of your insurance also remains low in the future. All of our offers are continuous, and the price of your insurance will not sky-rocket after the first year. Your premiums will not pay for offers used only to attract new customers because we rely on skilful risk assessment instead of temporary offers.

We can also promise you that our claims service runs like it should – quickly and effortlessly. Our customers can prove it, as 92% of them are satisfied or very satisfied with the processing of their claims.

Moving and home insurance

Home insurance covers loss or damage caused when moving. All you have to remember to do is transfer the cover of your home insurance policy to your new address. You can do this in advance or right after you have moved. During the move, If’s home insurance covers both locations and loss or damage to the property being moved. All the best with your move!