Home insurance in Sweden, the complete guide
What does home insurance cover, what does it cost, and what to look for when comparing providers? The guide for homeowners and renters alike.
Home insurance is one of the most misunderstood insurance products in Sweden. Most people have one, few know exactly what it covers or whether the amount would be enough in a real claim.
This guide walks through what's included, common traps and how to compare providers fairly.
What's included in home insurance?
The standard package includes: contents cover, travel cover, personal liability, legal expenses and assault cover.
Homeowners add villa insurance covering the building itself against fire, water damage, storm and burglary.
What does home insurance cost?
Rental: 1,500–3,500 SEK/year depending on location and contents value.
Condominium: 2,000–4,500 SEK/year (includes condo add-on).
House: 4,000–12,000 SEK/year depending on size, age and location.
How to pick the right contents value
Go room by room and list the value of every possession, including clothing, electronics, furniture, bikes, tools.
Most people underestimate their contents by 30–50%. A typical household holds 400,000–800,000 SEK of contents.
Common traps
Depreciation: a 5-year-old TV is not replaced with a new model. Check the depreciation table before picking a provider.
Excess: standard is 1,500–3,000 SEK. Some providers apply a higher excess for water damage (10,000+ SEK).
Under-insurance: if your contents sum is too low, payout is reduced proportionally even for small claims.
When you need to file a claim
File immediately via the app or phone. Photograph everything before cleanup/repair. Keep receipts for any emergency work (e.g. dehumidifier after water damage).
For larger claims, always hire an insurance-approved contractor. HemmaPro can match you with insurance-familiar pros for remediation, repair and rebuild.
Frequently asked questions
- Is home insurance mandatory?
- No, but strongly recommended. Condo associations and landlords often require it.
- Does home insurance cover flooding?
- Sudden, unforeseen water damage is covered. Slow leaks or flooding from waterways are usually not.
- Can I switch insurer at any time?
- Yes, with one month's notice. The new insurer can usually handle the switch for you.
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