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.
Why our customers choose us
Why insure your home with If?
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What does home insurance cover?
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.
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Your movable property is always insured at If at full value. This means that the total value of your property is not estimated when buying the insurance, but only after the damage has occurred. Maximum amounts of compensation are defined for some item groups, such as valuables and bicycles. On the extensiveplus level, the compensation for an individual item can be up to 17 000 euros. At the extensive and basic levels, the maximum compensation for a single item is 5 000 euros. Damage to electric and normal bicycles is reimbursed up to 5 000 euros at the extensiveplus coverage level and up to 2 500 euros at other levels. A bicycle that is damaged during sports or exercise will not be reimbursed. Please see the maximum amounts of compensation for other groups of items in the product guide and terms and conditions. If you have a bicycle or other property that is more valuable than normal, you can insure them separately by contacting our customer service. |
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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. |
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Liability insurance reimburses property damage and personal injuries caused to a person who is not a member of the insured person’s household, provided that the insured is legally liable for the damage. Typical liability losses include damage caused by children and while riding a bicycle. Liability losses are reimbursed to up to 200 000 euros. If you want liability insurance to also cover damages for which you are not legally liable but in which you are involved or where the damage is caused by an item you own, please contact our customer service. Legal expenses insurance reimburses attorney’s fees and legal expenses related to private civil and criminal cases to up to €10,000. Typical types of covered civil cases include disputes related to home and real estate transactions. The deductible for legal expenses cover is 20% of the costs and at least 170 euros. Things don’t always go as planned, and you may lose a court case and be ordered to pay the legal expenses of the other party. After purchasing the insurance, you can extend your legal expenses insurance to also cover these costs on your My Pages. Identity theft insurance assists you in the event that you are a victim of identity theft. The insurance reimburses legal costs related to investigating the theft up to 2 000 euros without a deductible. Identity theft cover is valid for a fixed term until 31 December 2024. Liability, legal expenses and identity theft insurance cover the policyholder and persons living permanently in the same household. |
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We cover losses due to theft, vandalism, burglary or robbery at your home or outside it. Examples:
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We cover damage caused by fire, smoke, electrical phenomena (such as a short circuit) and natural perils such as floods and storms. Home insurance covers damage to permanent fixtures, including floor surfaces, wallpaper, kitchen cabinets and bathroom fixtures. The real estate insurance of the housing company covers structural damage, such as drying of concrete floors. Examples:
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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. |
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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. |
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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:
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The age of items affects the amount of compensation in case of damage. In extensiveplus-level the affect is the smallest so you get bigger compensation. Normally the value of an item decreases every year after the purchase. For example in home appliances and bicycles the value decreases 9 %. glasses 15 % and mobile phones 25 % per year. In extensiveplus-coverage you get an extra 1-3 years with no decrease in the value depending on the item. |
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If your home insurance is in another company and you change to If's extensiveplus, we promise you get at least what your current home insurance would cover. We dare to promise this as the extensiveplus-coverage is so wide. This promise is valid for 2 years. |
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.
In case of damages
Smooth claims services
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. Oue extensive home insurances cover 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.