Home insurance

Exclusions

Exclusions	Exceptions
Damage caused by long-term processes, normal wear and tear, rotting or corrosion.	We will indemnify you for the loss if one of the abovementioned reasons leads to a fire, explosion or pipe leak, but we do not indemnify the part of the insured object that caused the loss. Example If a corroded pipe breaks and water damages the interior finish, we will indemnify you for the restoration of the interior finish, but not for the broken pipe.
Condensation, humidity, long-term variation in temperature, exposure to light, long-term impact of atmospheric conditions or chemicals on the insured object or a part thereof.
Mould, dry rot, fungal diseases or bacteria on the insured object or a part thereof.
Activities of insects, pests, rodents, birds and domestic animals.	We will indemnify window glass broken as a result of the activities of birds and animals or a loss caused by fire.
Defective construction or repair work; calculation, planning or design error; or use of defective or unsuitable building materials.	We will indemnify you for the loss if one of the abovementioned reasons leads to a sudden and unexpected event, but we do not indemnify the part of the insured object that caused such loss. Example If a chimney has not been constructed in accordance with the design requirements and, therefore, leads to a fire, we will indemnify the damage caused to the structure, but we will not replace the chimney. If the wall tiles in your bathroom are fixed with an insufficient amount of tile glue and fall off because of this, thus damaging the sink, we will indemnify the damage caused to the sink, but not the wall tiles. If, due to defective construction, water or humidity get in between the thermal insulation and plaster, no indemnity is paid as this is not a sudden event. If the insulation material of the structure has been poorly installed and this has caused thermal bridges and condensation or mould damage to the interior finish of the structure, we will not replace the insulation material as the damage was not caused by a sudden or unexpected event. No indemnity is paid for damage to the interior finish since condensation and mould are not covered by the insurance.
Subsidence, elevation, movement, expansion, wear of materials and vibration of the structure, its foundations, walls or other structural elements.	We will indemnify you for a loss caused by: movement of the surface or vibration caused by construction work performed by third parties whose liability is proven rise of surface water or a flood.
Water entering the structure through a broken construction. We presume that the construction element is broken when the external barriers of the structure that are designed to prevent water from entering the structure fail to meet their purpose.	We will indemnify you for loss caused by: water entering the structure due to poor construction if such a loss is caused by a sudden and unexpected external event and the damage has been identified first leakage of water through roof or wall structures that damage the interior finish or home contents.
Loss of home contents.	We will indemnify the loss of home contents due to theft or robbery. Theft is deprivation of home contents as a result of a break-in to the place of insurance, or outside thereof. Robbery means deprivation of home contents accompanied by the use of violence that represents a threat to a person’s life and health or the threat to use violence.
Failure of or damage to home appliances or devices (e.g. boiler or central heating boiler) that has not been caused by external events.
The use of the insured object in a manner not complying with the purpose or function established by the manufacturer. This includes testing or intentional overloading of or performing experiments on machines and equipment.
Nuclear weapon, nuclear fuel, nuclear energy or radioactive substance or any other source of radiation or the explosion of a nuclear or radioactive substance.

The following are not subject to indemnification:

Loss and damage which occurred before the Insurance contract was entered into or the occurrence of which was obvious when the Insurance contract was entered into.
Expenses incurred in the maintenance, repair and elimination of minor external defects, such as stains on carpets and sofa covers; scratches on painted, enamelled and polished surfaces; cracks in walls and changes in colour or odours.
Damage and costs incurring during scheduled work such as changing of radiators, piping or windows.
Loss of income, financial liabilities, moral damage or other costs not agreed upon.

See the limitations that apply for certain items:

Works of art, jewellery, valuables and antiquities are insured to the extent of up to 25% of the sum insured for home contents.

Home contents kept in a storage room, basement, garden, outbuilding or sauna located at your insured property are insured to the extent of up to 25% of the sum insured for home contents.

Non-installed building materials, non-installed equipment and tools are insured to the extent of up to 25% of the sum insured for home contents kept in the locked building.

Cash located inside of living house or apartment is insured to the extent of up to 500 EUR.

Home contents outside the home anywhere in Estonia for the whole family living in the insured property are insured to the extent of up to 5% of the sum insured for home contents. Damage is indemnified only if the property was under your direct supervision during the insured event. As regards your bicycle or baby stroller, the insurance is valid as long as these objects have been locked or otherwise fixed to an immovable object. The insurance covers personal items in a car, which have been left in a locked vehicle so that they cannot be seen from the outside, and home contents left in a mini warehouse (up to 10 m²) rented from a professional warehouse service provider.

Mobile phones and tablets older than 2 years and laptops older than 4 years are not insured.

The all-risk cover insurance covers damage caused by any sudden unforeseen event, except those mentioned in the terms and conditions as exclusions. The most common damages that can happen at home are covered even if you accidentally cause them yourself. For full protection, include home contents and liability insurance covers.

What is covered:

Fire. Unexpected damages like gas explosion will be covered.
Pipe rupture. Water can damage not only your home but also home contents and your neighbour's home.
Natural forces such as wind, hail, thunder, regardless of the strength of the wind.
Electrical fluctuations. Electrical appliances can be damaged, for example, due to overvoltage or other external electrical failures.
Accidental damages caused by your own action. Home and valuable things can be damaged by yourself or your children.
Accidental damage during home renovation or construction.
Theft, robbery, vandalism.
An internal electrical or mechanical failure of up to 7-year-old equipment serving the building. For instance, the equipment that ensures the functioning of the heating system, a boiler or another system vital to the building.
Damage to the building’s window panes, regardless of the cause of the damage. For instance, a crack in the window pane caused by a rapid change in temperature.
Other risks that are not mentioned in the Terms and Conditions exclusion list.

There are exclusions for the insurance cover:

Damage caused by long-lasting processes such as mould, corrosion, condensation or humidity.
Defective construction or repair work - we will indemnify you for the loss if it leads to a sudden and unexpected event, but we do not indemnify the part of the insured object that caused such loss.
Other exclusions that are listed in the Terms and Conditions.

In the Terms and Conditions you can find detailed information about insured events and exclusions, insured objects, principles of indemnification and other important conditions.

Services included in 24-hour emergency assistance

Locksmith services help you open and replace the lock of your door or gate, where necessary. The insurance covers the cost of a new set of locks and the installation expenses if the key is lost, stolen or broken and if the lock or key is damaged. Additionally, a situation where you have left the key in the lock is considered an insured event.

Plumber services help you with emergency repairs related to water or heating pipe ruptures (including to close the local water supply) in order to avoid further damage.

Drying and cleaning services help you in the case of an emergency where the building is exposed to water as a result of a pipe rupture, flood, storm or precipitation.

Builder services help you quickly install a temporary covering for a damaged window, door or roof if the damage is caused by a natural disaster or an unlawful act by a third party (e.g. burglary). The builder services also include removal of a tree fallen on your building.

Home insurance gives peace of mind, you create the warmth of home

Home – Your home will be completely restored in case of an accident.
Home contents – Your personal belongings at home or when taken with you throughout Estonia are insured.
Neighbours – insurance covers cases where your have caused damage to others.
Temporary residence – is included automatically for up to 12 months.

Special offer! Home insurance for a year –15% from regular price. The offer is valid until September 29.*

* Special offer is valid for new home insurance contracts signed in the internet bank between 09.09 and 29.09.2024, where with home are also insured home contents and liability insurance. Home must not have been insured by Swedbank P&C Insurance AS within the last 30 days.

Comprehensive cover

24/7 customer support

Emergency assistance

Residential building is a house, a semi-detached or a terraced house or a summer-house. It is only possible to insure property for private housing, i.e. you cannot conclude a Home Insurance contract to insure houses (e.g. tourism farm, guest house) or apartments (e.g. office, beauty parlour) used for business purposes.

ApartmentDwelling house

In the case of stone construction, the construction of a structure, load-bearing walls and inserted ceilings are made of stone.

In the case of stone and wooden constructions, the construction of the structure and load-bearing walls are made of stone, and inserted ceilings are made of timber.

In the case of wooden construction, the construction of the structure, load-bearing walls and inserted ceilings are made of timber.

StoneStone and woodWood

Total area is closed net area. This does not include open spaces, such as balconies and terraces. In order to insure a residential building that exceeds 400 m2, please contact out insurance support line by calling +372 888 1513.

m²

Scope of coverages

insurable value Insurable value of the structure means the cost of restoring the former condition of a structure, i.e. the reinstatement value thereof. We do not consider the wear and tear of a structure when it is restored.

EUR

Home contents (interior, furniture and there living people’s personal belonging) are movable property located at the insured home.

EUR

In the case of liability insurance we indemnify damage or personal injuries that you have caused to third parties and for which you are liable. Liability insurance also covers claims arising from other damage you have caused in Estonia, if in addition to a building or apartment also home contents have been insured.

Building:
insurable value Insurable value of the structure means the cost of restoring the former condition of a structure, i.e. the reinstatement value thereof. We do not consider the wear and tear of a structure when it is restored.
Home contents:
15 000EUR Home contents (interior, furniture and there living people’s personal belonging) are movable property located at the insured home.
Liability insurance:
15 000EUR In the case of liability insurance we indemnify damage or personal injuries that you have caused to third parties and for which you are liable. Liability insurance also covers claims arising from other damage you have caused in Estonia, if in addition to a building or apartment also home contents have been insured.
Monthly payment:
13.46€
Discount:
0% We offer you a 10% discount on home insurance, if you insure your home property in addition to the building for at least € 15,000.
Monthly payment:
13.46EUR

Calculation includes €15 000 covers for home contents and liability insurance. You can change it in the next step.

Why choose Swedbank Home Insurance?

With all-risk cover any unexpected and sudden event is insured if it’s not listed under exceptions.

Examples of insured risks:

Fire, pipe rupture
Natural disasters such as wind, hail, thunder
Robbery, theft, vandalism
Accidental damages caused by your own action

See more examples

Personal items at home, in an outbuilding and even outside the home anywhere in Estonia are insured. It also includes work laptop or mobile phone, sports or other hobby equipment.
Read some limitations
Damage caused to others throughout Estonia is also covered if you have structure, home contents and liability insurances. This is very helpful for example if your pet causes harm to others.

24-hour emergency assistance, which enables you to use locksmith, plumber, drying and cleaning and builder services
Your home will be restored with modern building and furnishing materials
We cover the cost of psychological counselling if you need help coping with a burglary, a robbery or a fire
The deductible is 0 euros in the case of both emergency assistance and an insured event if the damage is proven to have been caused by a third party. The usual deductible per insured event is 190 euros
If insured items can’t be repaired, we’ll apply the principle of “new replaces the old”
Temporary residence or loss of rent income is included automatically for up to 12 months

Include three protections into one agreement

Structure insurance

If damaged, your home structure will be completely restored. Facilities (e.g. fence, playground) are insured automatically.

What can happen

Solar panel damaged by hail
Floor damaged by washing machine leakage
Ignition of built-in furniture as a result of damaged home appliance
Car collision with gates and electrical car charger that gets damaged
Greenhouse damaged due to a fallen tree

Home contents insurance

Covers items at home and personal belongings you use inside or outside your property. Consider a few limitations.

What can happen

Damage to stove caused by a falling bowl
Damage to electric device due to thunder
Theft of robotic lawnmower from a property with no fence
Theft of sports equipment
Damage to clothes and footwear due to a fire

Liability insurance

Covers cases where your household (incl. pets) or you have caused damage to others.

What can happen

Flooding your neighbours
Tree from your yard falls onto a neighbour’s house or fence
You accidentally break neighbour’s window
Your dog causes personal injury to your guest or other pet and they need medical help
You crash into another person while riding your bike and cause injuries or damage to their personal belongings

Choose covers suitable for your flat or house, its contents and liability and calculate the insurance premium. The insurance offer calculated in the Internet bank is valid for you for 30 days.
Fill in the blanks about the property to-be insured and other contract details.
Pay the first payment to finish concluding the insurance contract in the internet bank.
Insurance cover will come into effect from the date chosen in contract or on the next day after concluding it. The insurance policy is always available in your Internet Bank.

First, make sure to call to the Emergency Centre and notify your property management company or housing association, if necessary. If the situation is safe, please fill in the claim form in the Internet bank as soon as possible.

Fill in the claim form

Our claim handling specialist will contact you and provide further guidance.

In case you need 24-hour home emergency assistance, please call 888 2111 (24h).

If a third party has caused damage to your home or home contents, as well as in a case of theft or burglary, please report it to the police immediately.
In case of fire or explosion, please immediately notify the Emergency Centre.
If you are unable to close off the pipes damaged in the incident, contact the Emergency Centre or your property management company.
If, as a result of water leak, your home is flooded or there’s a risk of flooding your neighbours, please notify your property management company.
Also notify your security service if it has not been alarmed by the security system.

Insure your life if you have close ones you care about, and who depend on your income.

With Casco Insurance you’ll be covered in case of unexpected events on the road.

If you are planning to borrow more than €5000 for home improvement, we recommend taking a look on this loan’s conditions.

Contacts

Swedbank P&C Insurance AS
phone 888 1513
varakindlustus@swedbank.ee

Insurance claims handling

Fill in the application form
phone 888 2111 (24h)

Home insurance

Exclusions

Example

Example

The following are not subject to indemnification: