Home Insurance

We offer you the best If home insurance on the market. It provides protection for homes of every size, whether small or large, and you can tailor the insurance to your needs.

Information about the Home Insurance

  • If you live in a flat, terraced house or semi-detached house, you need insurance cover for your movable property, which also covers the permanent fixtures. The housing corporation insures the real estate and its structures. 
  • If you own a detached house or cottage, you should insure both the building and movable property.
  • Home insurance gives you comprehensive cover for your property, including when you move, build and renovate or travel around the world.
  • If Extensive Home Insurance was named the winner in a comparison carried out by the consumer magazine Kuluttaja (07/2020) and was the best home insurance product on the market. 

Read more about the insurance options! 

Flat and terraced house

Insurance options for Home Insurance for flats and terraced houses

Insurance options
What does the insurance cover?ExtensivePlusExtensiveBasic
Product promise for ExtensivePlus
When you take out ExtensivePlus insurance, we promise to compensate at least the same as your current home insurance policy would.
X

Contents 

  • Higher sum insured
  • Less restrictive age limits on items
  • Luggage cover when travelling abroad up to EUR 3,500, deductible EUR 50
  • Hole-in-one
X
Sudden and unexpected damage to propertyXX
Fire, water damage due to leak or electrical damage
XXX
Theft or malicious damageXXX
Damage by natural forcesXXX
Temporary accommodation due to damage covered under the policy (contents)XXX
Permanent fixtures in a flat, such as parquet flooring and kitchen fittingsXXX

Insured together with contents

Insurance for damage or injury caused to a third party for which the policyholder is liable.

Legal expenses insurance for lawyers' fees in disputes and criminal proceedings and application matters.

XXX
Legal assistance in the case of identity theft (valid 1 June 2020 - 31 May 2022).XXX
You can choose deductible for the insurance between EUR 150 – 1 700.
Detached house
Semi-detached house
Cottage
Policy period and policyholder
Maximum sum insured
Terms and Conditions and Guides

Insurance options for Home Insurance for flats and terraced houses

Insurance options
What does the insurance cover?ExtensivePlusExtensiveBasic
Product promise for ExtensivePlus
When you take out ExtensivePlus insurance, we promise to compensate at least the same as your current home insurance policy would.
X

Contents 

  • Higher sum insured
  • Less restrictive age limits on items
  • Luggage cover when travelling abroad up to EUR 3,500, deductible EUR 50
  • Hole-in-one
X
Sudden and unexpected damage to propertyXX
Fire, water damage due to leak or electrical damage
XXX
Theft or malicious damageXXX
Damage by natural forcesXXX
Temporary accommodation due to damage covered under the policy (contents)XXX
Permanent fixtures in a flat, such as parquet flooring and kitchen fittingsXXX

Insured together with contents

Insurance for damage or injury caused to a third party for which the policyholder is liable.

Legal expenses insurance for lawyers' fees in disputes and criminal proceedings and application matters.

XXX
Legal assistance in the case of identity theft (valid 1 June 2020 - 31 May 2022).XXX
You can choose deductible for the insurance between EUR 150 – 1 700.

Insurance options for detached house

Insurance options
What does the insurance cover?ExtensivePlusExtensiveBasic
Product promise for ExtensivePlus
When you take out ExtensivePlus insurance, we promise to compensate at least the same as your current home insurance policy would.
X

Contents 

  • Higher sum insured
  • Less restrictive age limits on items
  • Luggage cover when travelling abroad up to EUR 3,500, deductible EUR 50
  • Hole-in-one
X

Building

Covers more extensive damage to the structure of the main building caused by moisture or pests:

  • Damage caused by roof leak
  • Moisture damage in wet rooms
  • Damage caused by pests and mould
X
Sudden and unexpected damage to propertyXX
Construction industry professional to help with house maintenance*XX
Pest controlXX
Fire, water damage due to leak or electrical damageXXX
Damage to heating or plumbing installationsXXX
Theft or malicious damageXXX
Damage by natural forcesXXX
Temporary accommodation due to damage covered under the policy (contents)XXX

Insured together with contents

Insurance for damage or injury caused to a third party for which the policyholder is liable.

Legal expenses insurance for lawyers' fees in disputes and criminal proceedings and application matters.

XXX
Legal assistance in the case of identity theft (valid 1 June 2020 - 31 May 2022)XXX
When you insure your detached house, you should choose insurance for the building and contents, and deductibles for these. If you have selected different deductibles for the building and the contents in your home and both of these are damaged at the same time, we deduct only one deductible. 
* Kunnon koti is a free add-on service provided by If's partner Anticimex and it is offered to customers who have taken out Extensive or ExtensivePlus insurance for their detached house. The content of the service is subject to change and it is not part of the insurance contract. Any damage or defects discovered during the house inspection do not affect the insurance cover.

Insurance options for Home Insurance for semi-detached house

A convenient way to buy home insurance for a semi-detached house is via our webshop.

Insurance options for semi-detached houses that are part of a housing corporation
What does the insurance cover?ExtensivePlusExtensiveBasic
Product promise for ExtensivePlus
When you take out ExtensivePlus insurance, we promise to compensate at least the same as your current home insurance policy would.
X

Contents 

  • Higher sum insured
  • Less restrictive age limits on items
  • Luggage cover when travelling abroad up to EUR 3,500, excess EUR 50
  • Hole-in-one
X
Sudden and unexpected damage to property
XX
Fire, water damage due to leak or electrical damageXXX
Theft or malicious damageXXX
Damage by natural forcesXXX
Temporary accommodation due to damage covered under the policy (contents)XXX
Permanent fixtures in a flat, such as parquet flooring and kitchen fittingsXXX

Insured together with contents

Insurance for damage or injury caused to a third party for which the policyholder is liable.

Legal expenses insurance for lawyers' fees in disputes and criminal proceedings and application matters.

XXX
Legal assistance in the case of identity theft (valid 1 June 2020 - 31 May 2022)XXX

You can choose deductible for the insurance between EUR 150 – 1 700.  

If you want to insure also the semi-detached house building, call If's Customer Service.

Insurance options for Cottage

Cottage insurance covers the building, contents and yard areas. In addition, the insurance covers playhouse, gazebo, barbecue shelter, shed and hot tub.

Insurance options
What does the insurance cover?ExtensivePlusExtensiveBasic

Building

Covers more extensive damage to the structure of the main building caused by moisture or pests:

  • Damage caused by roof leak
  • Moisture damage in wet rooms
  • Damage caused by pests and mould
X
Pest control free of chargeX
Damage caused by wild animalsXX
Sudden and unexpected damage to propertyXX
Water damage and damage to heating or plumbing installationsXXX
Theft or malicious damageXXX
Damage by natural forcesXXX
Fire or electrical damageXXX

Insured together with contents

Insurance for damage or injury caused to a third party for which the policyholder is liable.

Legal expenses insurance for lawyers' fees in disputes and criminal proceedings and application matters.

XXX
You can choose deductible for the insurance between EUR 150 – 1 700.  

Policy period and insured persons

Home insurance covers the policyholder and anyone living in the same household with the policyholder. The insurance covers the property insured in the insurance policy and temporarily anywhere in the world for a period of up to one year.

When you move, your movable property is insured for three months in both homes.

You do not need separate luggage insurance when you travel as your contents insurance as part of your home insurance covers your personal possessions according to the level of cover and deductible chosen by you anywhere in the world for a trip lasting no more than one year.

If your personal possessions are away from the property insured in the insurance policy for more than one year, the personal possessions are insured for only three months from the date they were moved.

Insurance at full price or up to the maximum amount of compensation

Both the building and contents can be insured at full price or for a maximum amount. If Home Insurance is usually based on full-price insurance according to the floor area of your home. In this option, the total value of contents is not estimated when the insurance is taken out, nor later during the policy period, but only in the event of a claim. 

A single-item limit applies to certain items, such as valuables and bicycles. The limit applies to both contents insured at full price and contents insured for a maximum amount. Check the maximum claim limits for the various items in the Home Insurance Guide.

Permanent fixtures are covered up to the sum insured chosen by you.

You can choose EUR 200,000 or EUR 400,000 as the sum insured for third party liability insurance. For legal expenses insurance the sum insured is either EUR 10,000 or EUR 20,000.

More information on the sums insured can be found in our Insurance Guide Opens new window(only in finnish).

Select insurance and calculate the price

Calculate the price of insurance Opens new window