Vacation Home Insurance
With full value insurance for your vacation home, you're covered if the house suffers extensive damage. This applies to fire, water damage and extreme weather, among other things. Your belongings in the property are also insured.
Insurance for all types of vacation homes
Your summer house, ski lodge or small cottage on the countryside can be subject to damages all year round, even when you are not there. Our insurance can make it easier to enjoy your free time in your vacation home.
Full value insurance
The house is insured to its full value in case of extensive damage
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Insurance coverage
| Insurance coverage | Standard |
|---|---|
Your house is insured at full value, meaning there is no maximum limit for restoring extensive damage. For example, if the house is completely destroyed by fire, it can be rebuilt. This also applies to other buildings listed in your insurance policy.
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The insurance covers furniture, home electronics and other personal property stored in the house or on the premises. Coverage applies in the event of burglary, fire, water damage and extreme weather. Certain items have specific maximum compensation limits, as stated in the policy terms – for example bicycles, kayaks, golf equipment and riding lawn mower. | |
Compensation is provided for household appliances and white goods that break down and can no longer be used. Coverage also applies to other installations for water, heating and electricity. | |
If your vacation home is affected by pests, the insurance covers extermination costs. Protection includes wood-boring beetles, carpenter ants, wasps, mice and other household pests. No deductible applies. | |
If you cannot use your vacation home due to damage, compensation may be provided for necessary additional expenses (rental of another vacation home is not considered an additional expense). Compensation may also be provided for loss of rental income when the house is rented out (max 12 500 kr per month, 125 000 kr in total). | |
The insurance covers damage to your vacation home during reconstruction, renovation or extension work. It also applies to materials and tools used for the project. You must notify us before construction begins and intend to continue owning the house after completion. | |
You may receive compensation if someone claims that you, as the property owner, caused personal injury or property damage. We can assist with investigation, negotiation and legal representation, as well as pay damages you are legally liable to pay. | |
Compensation for legal costs and representation if you become involved in a legal dispute related to you as the property owner.
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The insurance covers costs for decontamination, removal and restoration of internal damage if your house is affected by dry-rot fungus. No deductible applies. | |
Covers accidental damage to fixed interior caused by a sudden and unforeseen external event. For example, dropping a heavy object on a parquet floor or damaging a countertop with a hot pan. | |
Covers accidental damage to fixed interior, as well as vandalism, lock replacement and theft of your belongings. Applies when you rent out all or part of your vacation home privately under a rental agreement. | |
Compensation can be provided if you have to cancel a party or other event at your vacation home. This may include non-refundable costs due to sudden illness or accident. If rain is forecast, compensation may be provided for party tent rental.
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| Insurance coverage | Standard | Bas |
|---|---|---|
Your house is insured at full value, meaning there is no maximum limit for restoring extensive damage. For example, if the house is completely destroyed by fire, it can be rebuilt. This also applies to other buildings listed in your insurance policy.
| ||
The insurance covers furniture, home electronics and other personal property stored in the house or on the premises. Coverage applies in the event of burglary, fire, water damage and extreme weather. Certain items have specific maximum compensation limits, as stated in the policy terms – for example bicycles, kayaks, golf equipment and riding lawn mower. | ||
Compensation is provided for household appliances and white goods that break down and can no longer be used. Coverage also applies to other installations for water, heating and electricity. | ||
If your vacation home is affected by pests, the insurance covers extermination costs. Protection includes wood-boring beetles, carpenter ants, wasps, mice and other household pests. No deductible applies. | ||
If you cannot use your vacation home due to damage, compensation may be provided for necessary additional expenses (rental of another vacation home is not considered an additional expense). Compensation may also be provided for loss of rental income when the house is rented out (max 12 500 kr per month, 125 000 kr in total). | ||
The insurance covers damage to your vacation home during reconstruction, renovation or extension work. It also applies to materials and tools used for the project. You must notify us before construction begins and intend to continue owning the house after completion. | ||
You may receive compensation if someone claims that you, as the property owner, caused personal injury or property damage. We can assist with investigation, negotiation and legal representation, as well as pay damages you are legally liable to pay. | ||
Compensation for legal costs and representation if you become involved in a legal dispute related to you as the property owner.
| ||
The insurance covers costs for decontamination, removal and restoration of internal damage if your house is affected by dry-rot fungus. No deductible applies. | ||
Covers accidental damage to fixed interior caused by a sudden and unforeseen external event. For example, dropping a heavy object on a parquet floor or damaging a countertop with a hot pan. | ||
Covers accidental damage to fixed interior, as well as vandalism, lock replacement and theft of your belongings. Applies when you rent out all or part of your vacation home privately under a rental agreement. | ||
Compensation can be provided if you have to cancel a party or other event at your vacation home. This may include non-refundable costs due to sudden illness or accident. If rain is forecast, compensation may be provided for party tent rental.
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From storms to pests
Personal help is just a click away. Whether your vacation home is damaged in a storm, infested with carpenter ants or if you have a problem with mice in the house.
FAQ
Frequently asked questions about insurance for vacation homes
By vacation home, we mean a house where no one is permanently registered or residing. This may include a summer cottage, a ski lodge, or a countryside cabin used for leisure. Other buildings on the property can also be covered by your vacation home insurance, if they are declared when you buy the insurance and are listed in your policy document.
Vacation home insurance covers the building itself, including fixed interior features, white goods, installations, your plot and surrounding land. It also covers personal belongings stored in the house, referred to as “contents.” The insurance applies to damage caused by events such as fire, extreme weather, water leakage, burglary and pest infestation.
Depending on which size of the insurance you choose, it may also include accidental damage to fixed interior (all-risk), remediation of dry-rot fungus and damage occurring while renting out your vacation home.
Vacation home insurance applies to you as the policyholder and owner of the property for private use. If the house is jointly owned, the insurance may apply to multiple owners. You can easily specify who is a co-owner in the Hedvig app.
The insurance also covers damage caused by others staying in the vacation home, such as family members and relatives. However, liability and legal expenses apply only to matters relating to you as the property owner.
Both insurances provide similar protection for the building itself, for example in the event of fire, water damage or a tree falling onto the house. Personal belongings are also insured, but to a lower insured amount for vacation home insurance.
Our regular house insurance includes home insurance protection and therefore covers a broader range of incidents, particularly for you and co-insured persons. Apart from liability and legal expenses, vacation home insurance primarily covers damage to your property. As a result, vacation home insurance is generally less expensive than house insurance.
Your vacation home is insured at full value if it’s damaged during extreme weather. This includes storms (wind speeds of at least 21 m/s), heavy rainfall, hail, snowmelt, frost, excessive snow load or if a tree falls onto the house. Compensation may also be provided if your belongings are damaged.
It is important to do what you can to reduce the risk of damage during severe weather, such as securing outdoor furniture, folding in sun blinds and preventing excessive snow accumulation.
You should also check your house from time to time when you have been away for a longer period. This can help you detect, for example, the beginning of a leak or if the temperature in the house has become critically low.
Land belonging to your property is insured up to 200 000 kr. This includes permanently installed outdoor features such as vegetation, stone walls and paving, but not swimming pools or hot tubs. The insurance covers similar types of damage to the land as to the house, for example fire, natural events or vandalism.
The insurance covers damage to and theft of items stored in your vacation home, as well as items intended for use on the plot or patio. Coverage applies to you as the policyholder and your relatives.
Your belongings are insured up to the amount specified under the chosen level of coverage (Bas or Standard). Certain items have specific maximum compensation limits. Examples include:
Kayak, canoe, water sports board: 15 000 kr
Bicycles and accessories: 35 000 per bicycle
Golf equipment: 15 000 kr
Ride-on lawn mower: 35 000 kr
Electric vehicle charging station: 50 000 kr
Please note that theft-attractive property (such as cash, jewellery and home electronics) should not be stored in any building other than the vacation home itself.
Yes, the insurance provides compensation for broken windows and door panes, as well as glass in enclosed balconies and patios. Glass in greenhouses is not covered.
Full value insurance means there is no predetermined maximum limit that caps the compensation amount. In practice, this means the insurance can cover almost the entire cost of rebuilding the house after extensive damage. Compensation is based on the property’s market value prior to the loss and may cover the cost of constructing an equivalent house using modern materials and current building standards. In other words, it will give an opportunity to start over again after a major loss.
Documents
Terms and conditions are currently only available in Swedish
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