Home insurance

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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

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Hail and wind

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Leakage from pipes

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Vandalism

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Burglary, robbery

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Engineering utilities

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Dwelling use interruption

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New door locks, window glass breakage, seeing glasses and rental costs of temporary housing without deductible

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Unexpected damages/destruction that is not excluded

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Flooding

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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.

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Cover for property you carry with you and bank card

The insurance cover is valid, if the property at home insurance has been selected

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Water entrance into building

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We compensate damages caused by construction faults

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Home assistance 24/7

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Cover for smart devices

Exceptions set out in the insurance terms and conditions apply for the "New replaces the old" principle


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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.

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Loss of rental income

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

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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 €

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