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.

If you cherish home peace, you have what to insure

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:: Apartment
: Residential building
Building material:: Stone
: Stone and wood
: Wood
Total area:: m²

Calculate price

Building:: insurable value
Home contents:: 15 000EUR
Liability insurance:: 15 000EUR
Monthly payment:: 11.31€
Discount:: 0
Monthly payment:: 0EUR

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

Conclude agreement

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.

Calculate price and conclude agreement

Contacts

Insurance support
+372 888 1513
varakindlustus@swedbank.ee

Insurance claims handling
+372 888 2111 (24h)

Report a damage

Home insurance

If you cherish home peace, you have what to insure

Calculate Home insurance monthly payment

What home insurance covers?

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

Insurable value

Liability insurance

Conditions

Buildings

Home contents

Up-to-date renovation

The insurance of the kitchen furniture together with the building

The rent compensation for a temporary dwelling

Loss of rental income

The sum insured after the loss is not reduced

Restoration of a building without considering the wear and tear

Facilities

A home security system is not required

Loss assessment

Preparation of renovation

Payment of excess

Should the keys be stolen and locks broken we will replace your door-locks

The rental costs of a temporary dwelling

The costs of after damage demolition and debris/rubbish transportation

Important documents

Notify of damage

Contacts

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Home insurance

Exclusions

Example

Example

The following are not subject to indemnification:

If you cherish home peace, you have what to insure

Calculate Home insurance monthly payment

Why insure your home with Swedbank?

What home insurance covers?

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

Insurable value

Liability insurance

Conditions

Buildings

Home contents

Contacts

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