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Home insurance

Exclusions

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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.

Examples of insured risks

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.

  • 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.
  • 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 (PDF) 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.

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  • This is a sign to insure home

Home insurance gives you a peace of mind

Special offer! Home insurance for a year –15% from regular price. The offer is valid until March 30.*

  • 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 is valid for new home insurance contracts signed in the internet bank between 03.03 and 30.03.2025, 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.

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.

If the building is constructed before 1950 and has not been renovated, please send us pictures taken according to the Instructions for photographing (PDF) so that we can assess the condition of the building. 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.
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  • 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.
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Calculation includes 15000 EUR 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

If damaged, your home structure will be completely restored. Facilities (e.g. fence, playground, greenhouse up to 25 m2) 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

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

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
  1. 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.
  2. Fill in the blanks about the property to-be insured and other contract details.
  3. Pay the first payment to finish concluding the insurance contract in the internet bank.
  4. 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.
  • Home insurance terms and conditions (PDF)
  • Insurance product information document (PDF)
  • Information about the insurance intermediary (PDF)

Step body

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)
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Contacts

SWEDBANK AS
Liivalaia 8, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

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This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.