Home Insurance - for your household

We compensate for damage caused by fire or firefighting, as well as destruction caused by lightning strikes.

We cover damage to the roof or other parts of the building caused by strong wind.

We cover damages from flooding due to burst pipes in the home, including cases where water leakage is caused by third parties, such as neighbors.

We cover damages resulting from intentional damage or destruction by a third party.

We cover losses due to burglary or robbery of the insured property by a third party.

If an insured event results in the destruction of more than 50% of a building or apartment, we will cover the damage in full, with no deductible applied.

If your home door lock is tampered with or your keys are stolen, we cover the cost of a new lock without a deductible.

Flood risk coverage protects against sudden, temporary flooding of areas that are normally not under water, covering a wide range of causes such as severe storms, heavy or prolonged rainfall, rapid snowmelt, dam failures, and municipal water network accidents. Coverage extends beyond river or lake floods, with no limit on the number of claims. Routine groundwater fluctuations (e.g., in spring) are not covered. The number of claims is not limited but a double deductible applies to the second and subsequent flood events within a five-year period.

We indemnify damages to the building’s interior finishing and personal property in the event of unexpected ingress of precipitation (rain, snow, etc.) into the building through its above-ground structures (walls, roof, doors, windows).

In the All-Risk and Classic packages, there are no limits on indemnification amounts or the number of claims. In the Standard package, we will indemnify one claim up to €10,000, with no limits on the number of claims.

In all packages, a double deductible applies to the second and subsequent claims occurring within five years.

We shall compensate the property damage to your home caused directly by military drones, missiles, shells or their debris, as well as terrorism and politically motivated sabotage.
In All-Risk package the compensation is available up to the existing sums insured per claim. In the Standard and Classic packages, compensation is available up to €50,000 per claim, but no more than sum insured for the particular object or loss.

Home assistance with damage prevention support is available when unexpected damage occurs in your home or when you notice a problem that could soon cause damage. Whether it's a water leak, a faulty lock, a pipe that's becoming blocked, storm damage or another unexpected problem, call the If Insurance Helpline on 777 1211, any time of day or night. We'll arrange the necessary assistance to resolve the situation as quickly as possible or prevent damage from occurring.

This coverage includes electrical failures of the insured property caused by voltage surges or power outages. For example, if an electric boiler malfunctions due to a power outage in the power transmission lines, the resulting damage would be covered.

Eyeglasses are insured against breakage and theft without a deductible.

If your home becomes uninhabitable due to an accident, we cover the cost of renting a comparable home and assist with relocation.
Maximum coverage with the Classic package is €3,000, and with the All-Risk package, it’s €6,000.

We cover damages caused by the breakdown of technical systems within the insured property.

We cover most unforeseen incidents that occur at home, except those listed in the exclusions. Please refer to the terms for details.

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.

Your personal items (except for smart devices) are insured up to €1,000 with the Classic package in Estonia and with the All-Risk package in the European Union.

In the event of loss or theft of your bank card, we cover the amount taken illegally from your account, up to €1,000.

Built-in furniture and built-in appliances (including kitchen furniture and/or kitchen appliances) are covered together with the interior finishing of the building or apartment.

If the insured building becomes uninhabitable due to an insured event, we cover three months of loan or lease payments for the policyholder without a deductible, up to €3,000.

We cover damage caused by the use of substandard materials, incorrect material application, poor workmanship, or design errors. However, the policy does not cover the replacement, repair, or removal of the substandard parts or the correction of construction defects.
Example: f gypsum boards develop mold due to untreated wood in the framing, we cover the cost of replacing the gypsum board but not the replacement of the untreated framing.

We cover damage caused by breakage or theft of mobile phones, tablets, and smartwatches up to 24 months old, both at home and on the go.

We cover damage caused by a third party without a deductible. A third party is not the policyholder, insured person, resident (including tenant), owner, or guest at the insured location.

Coverage includes internal electrical or mechanical failures of the insured property. For example, if an electric stove fails internally, or a television stops working. Insurance amount up to €3,000.

Example: A cat scratches up a sofa. We cover the cost of repairing the existing sofa or purchasing a new one. Coverage amount up to €3,000.

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.

If your rental apartment becomes damaged due to an insurance event, we shall compensate the loss of rental payments.

If your rental apartment or house is damaged by a tenant due to an insured event, we compensate for the damages according to the protections in the selected insurance package. To add this coverage, contact us at 777 1211.

A deductible is the amount you pay yourself when making an insurance claim.

If you wish to change your deductible, call us on 777 1211.