Home content insurance

This basic cover insures all household possessions against damage caused by:

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• Fire
• Water
• Storm
• Theft
• Vandalism
• Road accidents

We tailor the insurance sums to fit your household's specific needs.

The liability insurance covers all household members if a claim is made for damages to other people or their property. Legal aid covers attorney fees in certain private legal disputes. Psychological crisis assistance is provided for specific traumatic events such as burglary, fire, traffic accidents, or death.

The liability insurance covers all household members if a claim is made for damages to other people or their property. Legal aid covers attorney fees in certain private legal disputes.

Psychological crisis assistance is provided for specific traumatic events such as burglary, fire, traffic accidents, or death.

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With this insurance, you have access to free online medical assistance through HejDoktor every day of the week, whether via video call or online chat.
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This optional add-on covers sudden damages and functional issues for household electronic devices up to four years from the purchase date, including repairs for appliances

It could, for example, be repairs or replacements of:

• Computers.
• Phones.
• Tablets.
• Kitchen machines.
• TV's.

Covers all sudden and unexpected damages to non-electronic household belongings, including lamps. Examples include accidental damage to glasses, clothing, or vases.

While the standard policy covers theft, vandalism, and fire for bicycldes and e-bikes, adding "Bicycle Comprehensive" extends coverage to include repairs after traffic accidents.

The contents insurance covers you and the valuables of your household. This includes your spouse/partner, children living at home, foster children, children living away from home up to the age of 21, and anyone else associated with the address.

The total amount of assets in Danish households can vary greatly in size. When you take out home contents insurance, you need to decide what the contents sum should be. The sum insured is an amount that must be sufficient to cover everybody’s content in the household.

It is important that you choose a sufficient contents sum to cover all the assets in the household and that you do not underinsure the total contents, as this can have financial consequences in relation to the compensation you receive. For example, in the event of fire, burglary, etc.

Determining the total value of your home can be a daunting task for many people, and we understand that. To get an overview, we recommend that you go through one room at a time in your home for all material values. Make sure to include the ‘cheap’ items as well, as everything in the house could very well be lost in the event of a fire.

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Yes, home contents insurance covers the household's bicycles and e-bikes against theft, vandalism and fire as standard. If you opt for ‘Bicycle comprehensive’, the bikes can also be covered in connection with repairs after road accidents.

You need an Insurance-approved bike lock.

Imagine you have a 10-year-old sofa that originally cost DKK 10,000. If the sofa is stolen or damaged, the replacement will take into account
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1. Age: The sofa is five years old
2. Wear and tear: It has been used daily, which has reduced its value.
3. Current market value: A similar second-hand sofa could be sold for DKK 2,000.

In this case, you would receive DKK 2,000. as compensation because it corresponds to the current value of the sofa.