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
Covers the property that matters to you
If your phone 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.
Why home insurance from If?
Our home insurance is designed to take good care of your favourite place and belongings. We provide you with smooth service and quick compensation, and you can pay your premiums in up to 12 instalments.
If you live in a flat or terraced house, you only need insurance for movable property.
When living in a detached house, you will need insurance for the building in addition to a movable property insurance. Please ask about different options to insure your house from our customer service.
Keeps you safe at home, outside of home and on trips
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.
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.
Home insurance covers family members living in the same household and is also valid outside your home on journeys of up to one year, so you may not need a separate luggage insurance.
Your belongings are insured even during a move
The movables included in a home insurance policy are also insured during the move. So you don't have to worry if a moving crate accidentally falls out of your hands and the dishes break. Home insurance covers damages caused by such events.
If you have major covered damage at home and need to temporarily stay elsewhere, we will also reimburse costs incurred by that.
We insure your home movables at their full price, which means that you will not need to add up your total belongings when buying insurance. We also compensate for electric bicycles and other valuable items up to certain maximum compensation amounts, and, if you wish, we can also insure them at their full value.Read more about insuring valuable items
Extensive home insurance covers phone breakdown
Loss or damage to a smartphone 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 year after that.
Choose your coverage
|What does home insurance cover?||ExtensivePlus||Extensive||Basic|
The age of many items affects the amount of compensation paid for them. This effect is the smallest on the ExtensivePlus level of cover.
Usually, the value goes down every year after purchase. For example, the value of appliances and bicycles is reduced by 9%, the value of spectacles by 15% and the value of mobile phones by 25% each year.
With ExtensivePlus cover the value of certain property, such as computers and mobile phones, will be considered to be the same for an additional year. Many other items get an additional three years.
|Not included||Not included|
On the ExtensivePlus level, the compensation for an individual item can be up to EUR 17,000. On lower levels, the maximum compensation for an individual item is EUR 5,000.
|Not included||Not included|
If home insurance policies cover the items that you travel with the same way it covers items at home. The deductible for luggage is usually the same as that of your home insurance (primarily EUR 150 or EUR 250).
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If home insurance covers movable property that breaks suddenly and unexpectedly in any situation.
There is no separate list of causes for covered losses. You will be compensated as long as the loss was sudden and unexpected. (The insurance does not cover wear and tear caused by regular use, slow corrosion or items broken on purpose, for example.)
Examples of covered losses:
We will cover damages to your movable property caused by fire, smoke or a direct strike of lightning, for example.
Leakage in HPVAC pipework or a washing machine, for example, can wet structures and movable property and cause extensive damage. Our leakage cover covers water damage caused by leakage in your home.
For example, if an electrical appliance breaks down due to a short circuit, we will compensate for the damaged appliance.
We cover losses due to theft, vandalism, burglary or robbery at your home or outside it.
Natural forces, from storms to hail or flood, may cause extensive damage. We will compensate for such damage under the cover against natural forces.
If your home becomes uninhabitable due to a fire, water damage or other insured event and you need to temporarily live somewhere else, we will compensate up to 85% of the costs accrued from temporary accommodation.
If home insurance covers permanent fixtures of your home in covered events. Permanent fixtures include floor surfaces, wallpaper, kitchen cabinets and permanent bathroom fixtures, for example.
We will compensate for luggage loss and damage, such as theft and delay of luggage. Broken items are also covered by ExtensivePlus and Extensive insurance policies.
We will cover property damage or bodily injury caused to a third party by you or a person living in your household up to EUR 200,000.
We will compensate for legal expenses of disputes and criminal cases in matters involving you as a private person up to EUR 10,000. The insured persons also include any persons living permanently in your household. The deductible for legal expenses cover is 20% of the costs and at least EUR 170.
Frequently asked questions about home insurance
Why consider getting extensive home insurance?
Extensive home insurance is the most popular option among our customers, as it compensates for accidents such as common phone breakdowns and other sudden and unexpected breakdowns of movable property.
The even more comprehensive ExtensivePlus policy includes even more benefits:
- More moderate age deductions in compensation
- Higher maximum amounts of compensation in several categories of valuable items
- Reimbursement for foreign travel luggage losses up to EUR 3,500 with a deductible of only EUR 50
What is my home insurance price?
The price of a home insurance is case-specific and influenced by factors such as:
- How extensive an insurance you choose
- What is the floor area of the apartment
- Where is the apartment located
You can inquire about the price for a home insurance policy through our customer service.
By purchasing a home insurance with us, you can get access into the If Benefits Programme. You will get a permanent 10% discount on your insurance premiums.
If you also get car insurance from If with Casco, or if you already have one, your loyalty discount is as much as 15%.
Easy monthly invoicing
At If, you can pay your insurance bills in 1, 2, 4 or 12 instalments, and the number of instalments has no effect on the price of your insurance policies. The 12-instalment agreement is available when using e-invoicing. Read our frequently asked questions about invoicing.
How does the deductible affect the price?
With a higher deductible, you can get home insurance at a lower cost, while a lower deductible is beneficial in case of damages.
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.
In the event of damage, we will not reduce the deductible if you have protected your home with an alarm device approved by the insurance company and the device has limited the extent of the damage or prevented it from occurring altogether.
Will the home insurance remain valid when moving?
Yes. If you have insured your movables with us, the home insurance is valid for both the old and new home for a period of three months. Extensive home insurance will additionally cover any belongings and items broken during transport.
Does my home insurance cover 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 December 2023.
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.
How can I insure an e-bike or another valuable item?
As a rule, valuable objects are included in the movable property insurance. You should however make sure that belongings such as expensive bikes and jewellery are included within the maximum compensation limits. You can check these in our terms and conditions or by calling our customer service.
A basic or extensive home insurance policy covers individual items of up to EUR 5,000 in value and bicycles of up to EUR 2,500 in value. For example, if you have a bicycle valued at EUR 3,500, you may consider insuring your bike separately in order to get fully compensated.
At the ExtensivePlus level, compensation is extended to items of up to EUR 17,000 in value and to bicycles of up to EUR 5,000 in value.
If necessary, you can insure your most valuable items separately through our customer service to ensure full compensation coverage.
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.
- Home insurance terms and conditions
- Home insurance guide
- Home insurance ExtensivePlus movable property terms and conditions
- The insurance agreement you receive after buying the insurance is available only in Finnish
Up to 15% discount on policies through concentration
If you besides an insurance for your home buy a Casco policy for your car, you will earn 15% discount on all your policies.