You get a 25% discount on your first insurance period if you take out a new home insurance policy.
One policy is enough for you to access the highest tier of If’s loyalty programme and get a continuous discount of 15% on almost all of If insurance policies.
| What does the insurance cover? | ExtensivePlus | Extensive | Basic |
| 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
| X | ||
| Sudden and unexpected damage to property | X | X | |
| Fire, water damage due to leak or electrical damage
| X | X | X |
| Theft or malicious damage | X | X | X |
| Damage by natural forces | X | X | X |
| Temporary accommodation due to damage covered under the policy (contents) | X | X | X |
| Permanent fixtures in a flat, such as parquet flooring and kitchen fittings | X | X | X |
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. | X | X | X |
| You can choose deductible for the insurance between EUR 150 – 1 700. | |||
| What does the insurance cover? | ExtensivePlus | Extensive | Basic |
| 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
| X | ||
Building Covers more extensive damage to the structure of the main building caused by moisture or pests:
| X | ||
| Sudden and unexpected damage to property | X | X | |
| Construction industry professional to help with house maintenance* | X | X | |
| Pest control | X | X | |
| Fire, water damage due to leak or electrical damage | X | X | X |
| Damage to heating or plumbing installations | X | X | X |
| Theft or malicious damage | X | X | X |
| Damage by natural forces | X | X | X |
| Temporary accommodation due to damage covered under the policy (contents) | X | X | X |
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.
| X | X | X |
| 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. | |||
A convenient way to buy home insurance for a semi-detached house is via our webshop.
| What does the insurance cover? | ExtensivePlus | Extensive | Basic |
| 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
| X | ||
| Sudden and unexpected damage to property
| X | X | |
| Fire, water damage due to leak or electrical damage | X | X | X |
| Theft or malicious damage | X | X | X |
| Damage by natural forces | X | X | X |
| Temporary accommodation due to damage covered under the policy (contents) | X | X | X |
| Permanent fixtures in a flat, such as parquet flooring and kitchen fittings | X | X | X |
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.
| X | X | X |
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. | |||
Cottage insurance covers the building, contents and yard areas. In addition, the insurance covers playhouse, gazebo, barbecue shelter, shed and hot tub.
| What does the insurance cover? | ExtensivePlus | Extensive | Basic |
Building Covers more extensive damage to the structure of the main building caused by moisture or pests:
| X | ||
| Pest control free of charge | X | ||
| Damage caused by wild animals | X | X | |
| Sudden and unexpected damage to property | X | X | |
| Water damage and damage to heating or plumbing installations | X | X | X |
| Theft or malicious damage | X | X | X |
| Damage by natural forces | X | X | X |
| Fire or electrical damage | X | X | X |
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. | X | X | X |
| You can choose deductible for the insurance between EUR 150 – 1 700. | |||
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.
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 (only in finnish).
Kotivakuutusopas (pdf, 220 KB) (only in Finnish)
Kotivakuutusehdot (pdf, 360 KB) (only in Finnish)
If's insurance policies are issued by If P&C Insurance Ltd (publ), branch in Finland, for which Nordea Bank Abp acts as an agent.
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