Home insurance

We can all feel safe at home

Get Home Insurance, and feel confident and at ease about:

  • your flat or house and its facilities that will be completely restored in case of an accident;
  • your personal belongings at home (e.g. furniture, technical equipment) or when taken with you throughout Estonia (e.g. your bike);
  • unintentional damage caused by you to third parties (e.g. if you happen to flood your neighbours).

Calculate Home insurance monthly payment

Building type:
Building material:
Total area:
insurable value
Home contents:
15 000EUR
Liability insurance:
15 000EUR
Monthly payment:

You can choose the sum insured that meets your needs by clicking the "Forward" button.

What is home insurance?

Home Insurance will protect you from unexpected losses in case of different mishaps at home. Get one agreement to insure the building, your personal belongings, and the cases where you cause damage to other people.

  • Structure insurance will cover unexpected damage caused to your flat or house. It includes cover for built-in furniture (e.g. kitchen), fences, gates, playgrounds, greenhouses up to 20m². In case of damage, your home will be completely restored.
  • Home contents insurance will cover damage caused to your personal items. It includes theft, burglary and various accidents, e.g. valuable things (electronics, sports equipment, etc.) broken by yourself or your children. There are a few limitations for contents.
  • Liability insurance will cover damage caused to others. It will come in handy in case you happen to flood your neighbour's apartment, a tree in your yard falls onto the neighbour's house during storm or if your dog claws at your neighbour's car.
Why to choose Swedbank home insurance?
  • We offer proper insurance with all-risk cover: damages caused by all the most common household accidents will be indemnified even if they’re unintentionally caused by you. Any unexpected event is insured, if it’s not mentioned in the exceptions.
  • We insure the building in its reinstatement value, meaning that it will be completely restored to its pre-event conditions using up-to-date building and furnishing materials.
  • We offer wide cover for home contents, and let you choose the insurance sum that meets your needs.
  • We’ll compensate temporary residence rent expenses for up to 12 months. Loss of rent income is also covered.
  • Insurance is valid for your personal items even outside home anywhere in Estonia.
  • Our liability insurance is valid anywhere in Estonia, if your insurance contract includes home contents insurance.
  • The annual premium doesn’t depend on your payment schedule. You can also choose monthly payments.
Useful to know
  • Cover for lock replacement expenses included if property keys are either lost or stolen or the locks have been damaged by a third party.
  • You don’t need to provide a list of your home contents items or photos for concluding home insurance.
  • No requirements to have a home security system.
  • Insurance is valid for your bicycle or baby stroller, as long as they are locked indoors, or otherwise fixed to an immovable object (e.g. a bicycle rack or a handrail).
  • Home insurance excess is 190 €. There’s no excess for replacing the locks.
  • We can’t insure buildings or premises that are used for commercial activity.

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.


Insurance claims handling