Home insurance

Ask for insurance solution
Send request
  3. 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.

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

  • 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.

Insurance coverage Allrisk Classic Standard Mini
Fire
Hail and wind
Demolition costs of damaged building
Structures and small buildings (10m²)
Cover for a structure together with an apartment
Leakage from pipes
Integrated kitchen furniture is insured
Vandalism, burglary, robbery
New lock without the deductible in case locks are damaged, keys stolen
New lock without deductible if keys are lost
We compensate damages of breaking in by breaking the security lock without the deductible
We compensate damages caused by construction faults
Cash at home

The insurance cover is valid, if the property at home insurance has been selected
Home assistance
Protection of underground structures
Unexpected damages/destruction that is not excluded
Rental costs of temporary housing without the deductible
Sudden and unforeseen flooding
Cover for breaking the window glass without deductible
Property on the balcony or storage room of an apartment or yard of a private house

The insurance cover is valid, if the property at home insurance has been selected
Cover for property you carry with you

The insurance cover is valid, if the property at home insurance has been selected
Cover for smart devices

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

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

The following coverages can be selected with the packages:

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.

Deductible

A deductible is the portion of the amount of damages that you shall cover in case of any damages.

When choosing a home insurance package, please keep in mind that different deductibles can be selected with different packages.

  • With the allrisk, standard and mini packages, from 100 euros
  • With the classic package, from 200 euros
  • With the internet package, 200 euros

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!

Terms and conditions

General insurance conditions

Summary of home insurance conditions

  3. Home insurance