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.
Basic
Extensive
Included
Included
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. 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. 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.
Included
Included
We will compensate for luggage loss and damage, such as theft and delay of luggage. Extensive cover includes also broken itsems.
Included
Included
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.
Liability and legal expenses insurances cover the policyholder and persons living permanently in the same household.
Included
Included
We cover losses due to theft, vandalism, burglary or robbery at your home or outside it.
Examples:
When you return home from a trip, you notice that your home has been broken into. The front door has been broken and some of your property taken. We will compensate for the stolen property.
You have left your bicycled locked at a railway station. When you return to the station your bicycle is gone. We will compensate the monetary value of the bicycle.
Included
Included
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:
Strong wind damages furniture on the balcony. We reimburse the value of the broken items.
Flood water enters the basement storage rooms and destroys your property. We reimburse the value of the property.
The dishwasher suddenly drains on the parquet floor. We reimburse the drying and the installation and materials for a new parquet. Extensive coverage also reimburses the repair and replacement of the dishwasher.
Included
Included
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.
Example: Your dishwasher unexpectedly releases water onto your laminate kitchen floor. The insurance covers renovation of the laminate floor and kitchen cabinet framework. Repair or replacement of the broken dishwasher is covered as damage to movable property under extensive or extensiveplus home insurance (see Breakage, falls, dents and other unexpected damage). Repair or replacement of the dishwasher is not covered under Basic home insurance.
The real estate insurance of the housing company covers structural damage, such as drying of concrete floors.
The maximum compensation for permanent fixtures is 10 000 euros.
Included
Included
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.
We can also provide help with finding temporary accommodation and your wishes on matters such as location and parking space are taken into account.
Example: A fractured pipe causes water damage to your floor and it needs to be replaced. You cannot live in your home during the two-week drying and renovation project. We will compensate 85 % of your additional acommodation costs until the renovation work is completed.
Temporary accommodation can be covered for up to 12 months. It is also possible to claim compensation for moving costs and costs from storage of movable property during renovation.
Not included
Included
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:
Your mobile phone falls onto the pavement and the screen breaks
Your dishwasher or washing machine suddenly breaks
Your television falls over when you are hoovering
Your camera falls into water from a rowing boat
Smoke comes out of your laptop and it will not turn back on
Not included
Included
We help you take care of your home so you can live safely and worry-free, and avoid stressful home damage situations.
As a homeowner, you get free access to phone support, where a construction professional from our partner Anticimex will assist you with matters related to your home’s condition and maintenance. You can get help, for example, with planning renovations or with the maintenance and replacement of materials in your home that are your responsibility.
The service is a free additional benefit provided by If’s partner Anticimex and is available to customers who have insured their home with Extensive or ExtensivePlus home insurance cover. The service content may change and is not part of the insurance contract.
Optional additional cover
Basic
Extensive
Not included
Included
With ExtensivePlus cover you get the highest compensations and lowest age deductions. ExtensivePlus is only available as an option for Extensive home insurance.
You will receive a higher compensation for nearly all types of loss or damage
Individual items are covered to up to €17,000. We cover individual items valued up to €17,000, such as works of art and jewellery, up to a total of €50,000.
The age of items affects how much compensation is paid. Normally, the value of items goes down every year after purchase, but with ExtensivePlus cover, you receive 1 to 3 extra years after the year of purchase before the item’s age affects the compensation. With computers and phones, for example, you get one extra year in addition to the year of purchase. For bicycles, you get three extra years.
Your compensation will be at least as high as in your old insurance company
If you transfer your home insurance to If from another insurance company and choose ExtensivePlus cover, we promise to pay at least the same amount in compensation as your current home insurance. The product promise is valid for two years.
If the compensation paid from our ExtensivePlus cover was lower than what you would have received from your previous insurance company, we will pay you an extra compensation. The extra compensation is not paid if the difference in the amount of compensation is due to differences in deductible.
Lower deductible in luggage losses
With ExtensivePlus cover, the deductible for luggage is €50 per insured event if the compensation paid is maximum of €3,500. If the compensation is higher than this, the deductible is the same amount you selected for your home insurance.
The insurance agreement you receive after buying the insurance is available only in Finnish
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.
Frequently asked questions about home insurance
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 150, 250 or 450 euros for your home insurance. The most common deductible chosen by our customers for movable property is 250 euros.
In the event of damage, we will not reduce the deductible if you have protected your home with an alarm device and the device has limited the extent of the damage or prevented it from occurring altogether.
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 3 500 euros with a deductible of only 50 euros.
What is not covered by home insurance?
The insurance does not cover loss or damage caused by, for example:
normal wear and tear,
lost or misplaced property,
breaking of sports equipment, such as a bicycle, in connection with an athletic performance,
unknown causes, such as a theft loss the circumstances of which are unclear.
The amount of compensation can be reduced if the insured has failed to follow safety regulations. This will be assessed on a case-by-case basis. Examples of safety regulations:
Property must be stored behind a locked door (such as in the home). If property such as a bicycle is stored in public areas, it must be locked.
Personal identification numbers for bank or credit cards must not be kept close to the card.
Drinks must be kept at such a distance from a computer that if they are spilled, they cannot harm the computer.
Property in transit must be packed in an appropriate manner, so that it withstands ordinary stresses of weather and transportation.
For the full list of exclusions and safety regulations, please see the insurance terms and conditions.
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