.webp)
Once you've found yourself a home in Sweden, something that can feel like a mission impossible at first, it's time to start reading up on home insurance. Learn more about what home insurance in Sweden is all about, and find the best insurance option for you.
Tip! Check out our article How To Sign Up For Home Insurance in Sweden: Step-By-Step covering all the steps involved in the process of signing up for home insurance in Sweden.
A great benefit with Hedvig for newcomers in Sweden is that they, in contrast to most other insurance companies, have their full website and app available in English, making it easy to understand the details of your insurance handle claims and your policies. Hedvig AB is an insurance broker offering insurances from their own insurance company Hedvig Försäkring AB, as well as through the insurance companies HDI Global Specialty SE och Eir Försäkring AB
Gofido is a newly established Swedish insurance broker founded in 2019, focusing primarily on home insurance and car insurance. Gofido aims to provide a more transparent and customer-centric insurance experience by allowing users to customize their insurance plans to fit their specific needs and only pay for what they own.
Sensor Försäkring is a relatively new home insurance broker (försäkringsförmedlare) in Sweden, founded in 2017 and headquartered in Luleå. The company aims to simplify home insurance by providing clear, affordable, and customized insurance solutions in Sweden for each customer.
While home insurance isn't mandatory, 97% of Swedes have it, and it's an insurance suitable for anyone in Sweden with their own place, whether you are an owner, tenant, or live in shared accommodation. On top of unexpected damages or accidents to your home, home insurance also provides protection for your belongings, also called contents or "lösöre" in Swedish, regardless of where you live or your type of housing.
Other key components of home insurance in Sweden usually include:
While home insurance isn’t mandatory in Sweden, 97% of Swedish households have it, making it one of the most common insurances to have in Sweden. Getting the right home insurance, with the best coverage for you and your stuff, can be beneficial the day life throws the unexpected your way.
In Sweden, you should get home insurance that fits the property you live in. If you live in a house or a villa, you should get a specific insurance for that (called “Villaförsäkring” in Swedish). It's also important to mention that if you live in an owned house, you also need to have a separate home insurance, in addition to the Villaförsäkring. Some insurance companies bundle Villaförsäkring with home insurance in one plan, called "Villahemförsäkring".
If you live in an apartment you own, you should have specific insurance for that ("Bostadsrättsförsäkring"), and if you live in a rental as a tenant or room mate, you should have specific insurance for that property type ("Hyresrättsförsäkring"). This insurance is not only for apartment rentals, but also the home insurance option when you rent a house or a room.
There are also specific home insurance options if you are a student ("Studentförsäkring") or if you live in a summer house or cabin ("Fritidshusförsäkring").
There are a lot of home insurance options in Sweden, so properly comparing upfront based on your specific home, belongings, and lifestyle can potentially save you money and spare you from future headaches. Being under-insured or over-insured is not making anyone happy, but how do you know how to find the right level? How do you know which home insurance company to choose and what coverage you need? Here are some of our best tips to help make your comparison easier:
Start off by assessing the value of your personal belongings, your contents (known as "Lösören" in Swedish). This is a rough estimate you make yourself, and you can usually also get guidance on the evaluation online from the insurance company. The price of your home insurance depends on this value, so once you’re done with your evaluation, you can easier compare the different home insurance providers, their coverage limits and price differences.
The inclusion of specific coverages and the need for potential add-ons vary between home insurance providers. If you for example want (or need) extended coverage for travel insurance, accident insurance or similar, these are usually added on top of the basic coverage. Make sure to have this in mind, as it might have an impact on your total price. It’s also good to check if you can get any discounts if you have, or need, multiple insurances, and bundle them together with the same insurance provider.
If you look beyond insurance coverage, terms and pricing, it’s usually equally important to find a home insurance company that speaks your language (literally), and that fits your personal needs when it comes to service levels. Do they offer customer support in English? Do they have the support channels you prefer (e.g. email, phone, chat)? Do they offer discounts or loyalty programs? These are all factors that might be of importance to you in your decision.
Find and compare Swedish insurance companies and home insurance plans with help from our guides and info.
Once done, you choose the company and plan that best match your needs, preferences and requirements.
Proceed to see your price and sign up for your plan. Review your terms, and finalize your contract.
We've gone through and outlined some popular home insurance companies in Sweden and their key terms. Make sure to always cross-check the info found here when you read the insurance providers specific terms, as they may have changed since our research.
Notice: This comparison was created by settled.se on 2024-12-03, based on publicly available information from each insurance company. It is not an exhaustive list of all home insurance providers in Sweden, and the content and terms of the listed companies may have changed. Settled.se cannot be held responsible for any inaccuracies.
It’s common in Sweden for basic travel insurance to be included in your home insurance. The specific terms, such as the number of days covered, vary between providers, but the most common duration is 45 days.
Finding the best home insurance is usually up to you and your specific needs. In our comparison, we look at various home insurances and analyze them not only through their policies and terms, but also how suitable they are for newcomers in Sweden. Factors like having an English website or app, along with English-speaking customer support, are key parts of our overall assessment.
By checking out our home insurance comparison at the top of this page, reading the highlights below, and thinking about your needs, you should get a solid idea of which home insurance provider and plan works best for you.
As we've already outlined, one potential blocker of getting home insurance in Sweden as a foreigner is the Swedish Personal Number. If you don't have that sorted yet, it's usually a bit more tricky to get home insurance. When it comes to comparing options, it's of course a bonus if you can properly understand and compare your options. If the websites, terms, and customer support are all available in English, it's a lot easier for newcomers in Sweden to be able to properly compare. In the table below, we've outlined which Swedish insurance providers offer info and customer support in English.
Notice: This table was published by settled.se 2025-01-07, based on available information from each home insurance company. The table does not include all home insurance companies in Sweden, and the info may have changed since our publication.
A lot of home insurance companies in Sweden offer their policies with a rolling 365 day binding period. This means that you're covered for home insurance for a full year, and you are generally not allowed to cancel or switch home insurance during this period. The exception to that would be if you, for example, would move, which allows you to cancel your home insurance.
There are also home insurance option without binding time, especially among the newer home insurance companies in Sweden. Hedvig is one popular home insurance with no binding times. Gofido is another home insurance without binding time, but they have a cancellation period where your plan will end at the last day of the month of you giving notice (1-31 days).
Notice: This table was published by settled.se 2025-01-07, based on available information from each home insurance company. The table does not include all home insurance companies in Sweden, and the info may have changed since our publication.
From a "foreigner-in-Sweden-point-of-view", Hedvig stands out in our home insurance research. Hedvig's website and highly-rated app are both available in English, but you’ll need a Swedish Personal Number and BankID to sign up for Hedvig’s Home Insurance.
Hedvig stands out by including both 45 days of travel insurance and all-risk in all their home insurance plans.
We’ve summed up the average ratings from various online rating and review source of some home insurance companies in Sweden in the table below.
Notice: This summary of average ratings for home insurance companies was put together by settled.se on 2025-01-07, using available data from Trustpilot, Konsumenternas, the App Store, and Google Play Store. It is not an exhaustive list of all home insurance providers in Sweden. Settled.se can not guarantee that ratings and reviews from these sources are from actual customers.
Hedvig has a very solid 4.3/5 customer satisfaction score on Trustpilot (~2900 reviews), and the Hedvig app has a 4.5/5 score. Gofido is also highly rated with 4.2/5 on Trustpilot, as well as Sensor Försäkring with a 3.9/5 score.
Hedvig is again highly rated with 3.4/5 in Konsumenternas base level content comparison of home insurances.
While it's great to find affordable home insurance, it should also meet all your personal needs and provide enough coverage. The cost of your home insurance varies based on the level of coverage you need, and it’s recommended not to focus solely on the price and choose the cheapest option. If your required coverage isn't matched by the cheapest plan, you should consider other options, even if they come at a slightly higher price.
It’s also wise to regularly look out for campaigns, compare insurance options, and be open to switching. We regularly update our content, comparisons, and campaigns, so check back here regularly. Be mindful of any contract terms to avoid breaching an ongoing contract with your current provider though. It might also be a good idea to periodically evaluate the value of your belongings. If the value decreases, you might be able to downgrade your coverage and reduce your insurance costs. If the value of your belongings instead increase over time, you may also need to upgrade your insurance to have the correct coverage.
In Sweden, home insurance often includes legal protection ("rättsskydd") that can cover legal costs if you get into a dispute, like with a neighbour or landlord.
This varies depending on home insurance provider and coverage levels, but also on other factors such as the size of your home, the value of your belongings and where in the country you live. You should expect to pay around 150-600 SEK (~€15 to €60) per month for your home insurance in Sweden, but again this can be both higher, or lower, depending on your personal situation. You usually pay less for home insurance when just renting a room, and more when owning a house.
Most insurance companies in Sweden regularly offer discounts or loyalty bonuses, if you for example bundle a bunch of insurances with the same provider. You should also pay attention to time-limited or seasonal campaigns, where you can get discounts for your home insurance.
Some insurance providers also offer referral bonuses. If you for example invite a friend to sign up for insurance, both you and your friend(s) can get a discount on the price. Hedvig for example have a referral bonus where you get a 10 SEK discount on your monthly cost for every friend you invite to also sign up for Hedvig. Go to Hedvig Forever to read more.
As with most other services in Sweden, having a Swedish Personal Number as well as BankID is usually required to sign up for home insurance online. Some home insurance companies might be ok to sign you up for home insurance without it, but it usually requires you to call the company in person, explain your situation and work out a solution for you. In the table below, we list info about the requirements of having a Swedish Personal Number and/or BankID in order to sign up with some popular home insurance companies in Sweden.
Notice: This table was published by settled.se 2025-01-07, based on available information from each home insurance company. The table does not include all home insurance companies in Sweden, and the info may have changed since our publication.
Compare Home InsurancesSettled.se is a free, independent information and comparison site dedicated to provide newcomers in Sweden with a transparent overview of various home insurance options and companies. With 10+ years of experience in subscription management, we are here to make your transition to Sweden smoother and more informed.
