Vacation home insurance
Switch to Fælles Forsikring and save an average of 3,120 DKK per year on your insurance!
– Sign up now, and we will contact you within 10 minutes.
What does holiday home insurance cover?
Your holiday home is your sanctuary, which is why it's important to have insurance that suits your needs. With us, you can get holiday home insurance that covers damage from fire, lightning, explosion or short circuit, among other things. You can also choose additional coverages to match your needs. For example, if you rent out your holiday home, you can add a tenant damage cover. This cover protects against damage and theft caused by tenants. If you want to make sure your furniture and other contents are also covered, you can opt for contents cover.
Holiday home insurance covers damage caused by: fire, lightning, explosion and short circuits in the house's fixed installations and white goods. It also covers consequential damage such as water damage after firefighting etc.
- Fire damage
- Lightning strikes
- Explosions
- Short circuit
Also covers consequential damage after a fire, such as water damage after extinguishing work.
The insurance covers damage caused by:
- Storm and weather (Cloud and thaw)
- Frost cracking of pipes and pipework
- Glass and sanitation
- Homeowner's liability
- Legal aid
Holiday home insurance covers damage to your holiday home caused by infestation from wood-destroying fungi, insects or bedbugs, where the wood has been degraded or has reduced load-bearing capacity
The insurance covers, among other things
- Documented loss of rental income in connection with combating the bedbug infestation for up to 30 days.
- Assistance in combating the damage at the insured location and coverage of any loss of rental income due to bedbugs for up to 30 days.
- Control of bedbug infestation.
Covers damage caused by rot in hidden wooden structures that has resulted in the wood losing its load-bearing capacity. This includes, for example, rot in joists under wooden floors and in roof structures that you have not had the opportunity to maintain.
Pipe damage covers the cost of repairing and tracing leaks in hidden pipes, including:
These pipes and cables are covered:
- Water pipes
- Heating pipes
- Gas pipes
- Oil pipes
- Drainage pipes
- Electrical cables
- Heating cables
Includes damage to external underground services. This coverage applies to pipes and cables that you have a duty to maintain and that connect the building to the main line in the road.
These pipes and cables are covered:
- Water pipes
- Heating pipes
- Gas pipes
- Oil pipes
- Drainage pipes
- Electrical cables
- Heating cables
Extended water damage covers damage if water enters the house as a result of anything other than a cloudburst or thaw
For example:
- When water or emergency rain enters the building and cannot be attributed to other coverages, exclusions or limitations
- Blowing snow if the ceiling is not immediately accessible due to the building structure.
- After rising groundwater or sewage water entering the building.
- After leakage from visible installations such as radiators, aquariums and containers with more than 20 litres capacity.
- If the water bill covers damage to pipes and service lines eligible for cover, loss of water, oil and gas is also covered
The contents cover covers the contents of your holiday home in the event of fire, electrical damage, burglary, simple theft, robbery, vandalism, leakage of liquids, storm damage and damage to refrigerated and frozen goods.
Rental damage includes sudden damages, vandalism, and theft that occur to the insured buildings and household items, caused by tenants or borrowers of the summer house.
Vacation home insurance
with great benefits
Free choice of repairman in case of damage
You decide which repairman you want to hire for the job.
Customer-owned insurance company
With a customer-owned insurance company, there are no greedy shareholders to get a piece of the pie.
Only one deductible per claim
For claims involving multiple insurance policies, you only pay one deductible.
Frequently asked questions
Below, you can find answers to frequently asked questions. Additionally, you can download the terms and fact sheet for the
Vacation Home Insurance.
It is not legally required to have fire insurance on your holiday home insurance, but if you have a mortgage on your holiday home, the bank or mortgage institution may require you to create a fire insurance.
Contents in holiday home insurance covers the items that are permanently located in the holiday home or outside. This can include, for example, furniture, garden tools, bicycles, kitchen equipment and other personal belongings that belong to the holiday home.
Yes, your solar panel system can be covered by holiday home insurance, but you need to declare it. It must be stated in your policy to be covered.
The vacation home insurance covers damages to your summer house and belongings, even when rented out to holiday guests. You can also choose additional coverage that protects against damages caused by tenants, such as theft or vandalism.
Yes, holiday home insurance can cover damage to outdoor facilities such as terraces, fences, swimming pools and greenhouses, depending on the cover you have chosen.
If damage occurs during the winter period and you are not present, it is important to report the damage to the insurance company as soon as possible. If the damage is caused by frost or water ingress, your insurance may cover the repairs, but you need to be able to prove that you have taken the necessary precautions, such as securing pipes against frost.
Har du brug for hjælp?
Vi er her for dig!
Uanset om du har spørgsmål til din
Vacation home insurance
, ønsker et uforpligtende tilbud, eller har brug for rådgivning, står vi klar til at hjælpe.
Kontakt os nemt via telefon eller e-mail – vi svarer hurtigt og sørger for, at du får den hjælp, du har brug for.
