Home insurance

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.

• 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.

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.