Home insurance

You can rely on Swedbank’s home insurance

  • One agreement to insure your building, home property and cases where you cause damage to other people (e.g. neighbours).
  • Your home property (e.g. furniture, appliances, bicycle) is secured both at home and across Estonia.
  • In case of damage, your home will be completely restored.
  • Excess €190 and no excess (€0) when you replace the locks.

In order to enter into an agreement with the 25% discount on 9 and 10 March, home contents insurance must also be selected as part of the agreement.
This discount applies to only for new agreements signed in the Internet Bank.

Calculate Home insurance monthly payment

Building type:
Building material:
Total area:
m2
Building:
insurable value
Home contents:
15 000EUR
Liability insurance:
15 000EUR
Monthly payment:
0EUR

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

What home insurance covers?

  • Home insurance provides cover for the building, home property and cases where you have caused damages to other people (e.g. your neighbours).
  • In the case of an insured event involving your home, you will be reimbursed for costs related to restoring your home.
  • In the case of an insured event involving home property, you will be reimbursed for the repair costs or the costs of repurchasing.
  • If you or one of your family members has cause damages to a third party (e.g. your neighbour), the resulting property damage or personal injury will be compensated.
  • List of the events when our insurance doesn’t cover

For example, Swedbank home insurance will cover damages in case of following:

  • Fire. Home with fire damage will be restored
  • Hail and wind. Damage will be covered regardless of storm strenght
  • Thunder and power surges. We cover damages caused by thunder or power surges.
  • Plumbing and flood.
  • Theft and robbery. In the case of the theft or robbery of or damage to home contents, we will indemnify the costs of repairs or reacquisition of a similar item. Restrictions are set out in the conditions.

Insurable value

Building’s insurable value is the cost of restoring the building to previous state - restoration value. Insurable value of home contents means the acquisition cost of items included in home contents when brand new. The insurable value of certain items is the residual or market value of the item prior to the insured event. Restrictions are set out in the conditions.

Liability insurance

Liability insurance has you covered if you or someone in your family causes harm or damage to a third party. This cover is also valid outside of your home anywhere in Estonia.

Conditions

Buildings

By insuring your home, all of the structures that form part of it are covered, as are the essential parts of the building (including built-in lighting and sanitary systems), its technical systems (including heating pumps and communications lines), its interior finish (including kitchen furniture, but excluding kitchen appliances) and built-in furniture. The interior finish of a terraced house and the essential parts of the building located within the terraced house are insured up to the interior finish of the neighbouring house.

Insurance of a building or part of a building also covers facilities. Facilities are separate structures that are not buildings. They must be located on the same plot of land as the building or part of a building and permanently attached to the ground, such as fences, outdoor lighting fixtures, flagpoles, wells, kennels, pools, playgrounds (incl. playhouses), shelters and greenhouses of up to 20 m².

By insuring your apartment, the living space is covered, as are the essential parts of the apartment (including built-in lighting and sanitary systems), its technical systems, its interior finish (including kitchen furniture, but excluding kitchen appliances) and built-in furniture and any storage room that belongs to the apartment but is located outside of the apartment.

Home contents

By insuring your home contents, all of the property belonging to or at the disposal of the owner of the home or apartment or the individual(s) living there on a permanent basis is covered, both within and beyond the confines of the insured location.

When taking out home contents insurance you get to choose the extent of the cover. And we don’t ask you for a detailed list of the items you want to insure.

Contacts

  • Insurance claims handling
  • +372 888 2111 (24h)