Protect your space, preserve your peace of mind.
From city apartments to countryside homes, find the right property insurance to protect your Swedish residence and belongings from unexpected events.
The essentials of protecting your home and belongings
Property insurance in Sweden provides financial protection against damages to your home and belongings. Whether you own or rent, having adequate coverage ensures you won't face devastating financial losses in case of unexpected events like fires, water damage, or theft.
In Sweden, property insurance is not legally required but is strongly recommended due to the high costs of property repairs and replacements. Most mortgage lenders will require homeowners insurance, and many landlords expect tenants to maintain renters insurance.
Property insurance policies in Sweden are generally comprehensive, often including both structural coverage and personal property protection in a single policy. Many Swedish policies also include liability coverage, which protects you if someone is injured on your property and decides to sue.
Find the right coverage for your home situation
Comprehensive coverage for houses and detached properties that you own.
Ideal for: Owners of houses, townhouses, and other detached dwellings.
Coverage tailored to those who own or rent apartments or condominiums.
Ideal for: Apartment owners and renters in multi-family buildings.
Specialized coverage for vacation homes that aren't occupied year-round.
Ideal for: Owners of summer cottages, ski chalets, and other vacation properties.
Understanding what's typically included in your policy
Coverage for damage caused by fires, including smoke damage to your property and belongings.
Protection against burst pipes, leaking appliances, and other water-related incidents that damage your home.
Coverage for damage from storms, heavy snow, hail, and other severe weather conditions common in Sweden.
Protection if your home is broken into or vandalized, including coverage for stolen or damaged items.
Coverage if someone is injured on your property or if you accidentally damage someone else's property.
Many Swedish home insurance policies include basic travel insurance coverage for trips up to 45 days.
Coverage for legal expenses if you're involved in certain types of disputes related to your property.
Protection for damage to electronics from power surges, which are common during Swedish thunderstorms.
Enhance your basic policy with these important add-ons
Standard policies have limits on high-value items like jewelry, art, and collectibles. For proper protection of these items, consider adding specialized valuables coverage with higher limits and fewer restrictions.
Enhanced protection for expensive electronics that covers accidental damage, which may not be included in standard policies. This is particularly valuable for expensive cameras, computers, and home entertainment systems.
Coverage for the breakdown of home systems like heating, electrical, and plumbing equipment. This can be particularly important in Sweden's cold climate, where heating system failures can cause significant problems.
Enhanced protection against water damage, including coverage for sewer backups and foundation seepage, which may not be fully covered in standard policies.
How your location in Sweden affects your insurance needs
Maximize your coverage while minimizing costs
Combining your property insurance with other policies like car insurance often results in significant discounts from Swedish insurers like Folksam, Länsförsäkringar, and If.
Installing approved locks, alarm systems, and fire protection devices can significantly reduce your premiums while providing better protection.
Property values and replacement costs change over time. Regularly review your coverage to ensure you're neither underinsured nor paying for excessive coverage.
Create and maintain an inventory of your possessions with photos and receipts. This not only helps ensure you have adequate coverage but also simplifies the claims process if needed.
Many Swedish unions, professional organizations, and even banks offer group insurance deals with preferred rates for members.
Contact us for personalized advice on selecting the right coverage for your home and belongings.
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