Home insurance

Having your home insured by If will give you a sense of security, as the losses will be covered in case of an accident, helping you overcome the consequences.

Advantages of all risk insurance:

If’s home emergency service
Home emergency insurance helps you with home emergencies round the clock.
Contents insurance
The items that you take out of your home (e.g., computer, phone, bicycle) will have coverage across the European Union.

You can take out insurance on your house or summer house, apartment or terraced house, outbuilding or a house currently under construction.

Insurance coverage	Standard	Classic	All risk
Fire	checkmark	checkmark	checkmark
Hail and wind	checkmark	checkmark	checkmark
Leakage from pipes	checkmark	checkmark	checkmark
Vandalism	checkmark	checkmark	checkmark
Burglary, robbery	checkmark	checkmark	checkmark
Engineering utilities		checkmark	checkmark
Dwelling use interruption		checkmark	checkmark
New door locks, window glass breakage, seeing glasses and rental costs of temporary housing without deductible		checkmark	checkmark
Unexpected damages/destruction that is not excluded		checkmark	checkmark
Flooding		checkmark	checkmark
Property at home is compensated according to the principle “new replaces the old” Property at home is compensated according to the principle "new replaces the old". Exceptions set out in the insurance terms and conditions apply for the “New replaces the old” principle.		checkmark	checkmark
Cover for property you carry with you and bank card The insurance cover is valid, if the property at home insurance has been selected		checkmark	checkmark
Water entrance into building			checkmark
We compensate damages caused by construction faults	checkmark		checkmark
Home assistance 24/7			checkmark
Cover for smart devices Exceptions set out in the insurance terms and conditions apply for the "New replaces the old" principle			checkmark
Liability insurance Immovable property owner's liability insurance Liability insurance protects you against damages that you have caused to others as the owner of an apartment or house. For example, if a flooding that started in your apartment damages the ceiling of your downstairs neighbour or a tree that is growing on your property falls on a neighbour's car, we will cover the damages caused to your neighbours and compensate to you the necessary legal assistance and court expenses. Personal liability insurance At If, you can insure the liability of all of your family members; the scope of the insurance coverage can be chosen: it is valid either in Estonia, the European Union or the whole world. This insurance will help you if your child, for example, rides his/her bike into your neighbour's car or if you accidentally break something at a shop while staying abroad.	Selectable	Selectable	Selectable
Loss of rental income If your rental apartment becomes damaged due to an insurance event, we shall compensate the loss of rental payments.	Selectable	Selectable	Selectable
Deductible A deductible is the portion of the amount of damages that you shall cover in case of any damages. With If Plus Bonus program you can reduce the amount of deductible. Read more plus.if.ee. If you would like to change the amount of deductible, contact us by calling 777 1211.	200 €	200 €	200 €

Home insurance

Advantages of all risk insurance:

Read more:

Why choose Home Emergency in the All-Risk Package: