Home Insurance
What does it mean?
Home insurance is practically mandatory in Sweden, even though there is no legal requirement. Most landlords require tenants to have home insurance, and without it you lack protection for your belongings in case of fire, water damage, or burglary. Home insurance typically includes contents coverage, liability protection, legal protection, travel insurance, and assault coverage.
A standard home insurance costs approximately 150–400 SEK per month depending on the size of the home, your area, and the insurance company. Liability coverage protects you if you accidentally cause damage to others — for example, water damage affecting your neighbors. Legal protection helps with legal costs in disputes. Always compare terms and prices from multiple companies before deciding.
Key Points
- Practically mandatory — most landlords require it
- Includes contents, liability, legal protection, travel, and assault coverage
- Costs approximately 150–400 SEK/month depending on home and provider
- Liability coverage covers accidental damage you cause to others
- Legal protection provides legal assistance in disputes — including rental disputes
Practical Tip
Get home insurance before you move in — not after. Always compare at least three insurance companies. Check that your liability and legal protection are sufficient, and that accidental damage coverage (allrisk/drulle) is included if you want protection against mishaps.