Home insurance

Why choose If Insurance Home Insurance All Risk Package?

If Koduabi (Home Help) in an Emergency 24/7
If Koduabi (Home help) helps in case of an accident at home - incl. water accident, broken lock, consequences of theft-vandalism, etc.
Accompanying property insured throughout Europe
Your accompanying property (eg computer, camera and bicycle) is insured with the Total Risk Package up to 1000 € throughout the EU
Water intrusion protection
Water damage is one of the most common. If water enters your building, we will compensate for damage to the interior decoration and home property

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.

With If, you can insure important real estate with home insurance: a house, summer home, apartment, cottage, shelter, or a house under construction

Home is your fortress. Secure real estate that is important to you and get confidence in thinking about the future — Insuring an important real estate - a home, apartment, house or even a shed - will bring you peace of mind.

Insure your apartment, house or other important real estate
With home insurance, you can insure real estate that is important to you - it can an apartment, a house, or a terraced house. In addition, you can insure an outbuilding, sauna, or cottage - insurance coverage and you can choose the package according to the purpose of the building.
Home property under home insurance
As a result of an accident (insurance case) the items that are in the building which is covered by home insurance of the home insurance would be covered with the current purchase price of a new item with the same characteristics. The amount you can insure your home property is calculated based on the size of your home. If also covers ATVs, scooters, and other unregistered motor vehicles. Also works of art, antiques and valuables and collections. Give yourself that peace of mind!

Home Insurance Packages

Insurance coverage	Standard	Classic	All risk
Fire	Included	Included	Included
Hail and wind	Included	Included	Included
Leakage from pipes	Included	Included	Included
Vandalism	Included	Included	Included
Burglary, robbery	Included	Included	Included
New door locks without deductible	Included	Included	Included
Window glass breakage, seeing glasses and rental costs of temporary housing without deductible	Not included	Included	Included
Engineering utilities	Not included	Included	Included
Dwelling use interruption	Not included	Included	Included
Unexpected damages/destruction that is not excluded	Not included	Included	Included
Flooding	Not included	Included	Included
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.	Not included	Included	Included
The insurance cover is valid, if the property at home insurance has been selected	Not included	Included	Included
Water entrance into building	Not included	Not included	Included
We compensate damages caused by construction faults	Not included	Not included	Included
Home assistance 24/7	Not included	Not included	Included
Exceptions set out in the insurance terms and conditions apply for the "New replaces the old" principle	Not included		Included
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
If your rental apartment becomes damaged due to an insurance event, we shall compensate the loss of rental payments.	Selectable	Selectable	Selectable
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.	300 €	300 €	300 €

Home Insurance FAQ

Home Emergency

Why choose Home Emergency in the All-Risk Package:

Call our insurance number at +372 777 1211 and we will help you deal with any home emergencies.
If a pipe or the hose to the washing machine at your house breaks, we will help you cope with the emergency.
If the door lock of your home is not working or if you lose the keys, we will help you change the lock.
If fire or storm damages your home, we will help you avoid any further damage.
If a window or a door breaks, we will help you seal the opening.
If a thief breaks a door or a window, we will arrange for your home to be guarded until the openings are sealed.
If your home is rendered uninhabitable due to damage, we will arrange for your accommodation and moving.

Insurance of home contents

The contents are covered if your contract includes home contents insurance coverage.

The amount by which you can have your home contents insured is calculated according to the size of your home. If's insurance also covers ATVs, motor scooters, and other non-registered motor vehicles, plus works of art, antiques and valuables, and collections.

If you choose the Classic Package to insure your home contents, they will be covered in the whole of Estonia. With the All-Risk Package, the contents will have coverage across the European Union. The exact extent of coverage is set out in the terms and conditions.

You can choose between four packages to insure your home: All-Risk Package, Classic Package, Basic Package, and Mini Package. For extra coverage, you can choose Liability Insurance, Loss of Rental Income, or Loss of Job Insurance. For more information, read the insurance terms and conditions!

Mini Package

The Mini Package gives your home a cover only for damages caused by fire, strong wind or hail. This is a package that is suitable for insuring a shed or garden house. Mini Package is not suitable for insuring a building that is used as a security for a loan, because it does not contain all the risks that the banks require.

To buy this packages, please contact us by phone +372 777 1211

Terms and conditions

Insurance conditions

Summary of home insurance conditions 20221
Classic package conditions (in Estonian) - TH-C-20231
All risk package conditions (in Estonian)- TH-A-20231
Main package conditions (in Estonian) - TH-S-20231
Liability insurance conditions (in Estonian) - 20221

Product information document

Home insurance product information document -2022/01

Calculate price for home insurance Need a consultation?

Please give us a call or write to us

You did not find answers to your questions or you would like to consult our insurance specialist before buying insurance to find a suitable solution? Please give us a call or write to us:

Insurance line: 777 1211

E-mail: info@if.ee

Home Insurance - for a house, an apartment, or a real estate