Home insurance: what it covers and why renters need it too

Home insurance can compensate personal belongings for many types of theft and damage, subject to policy terms. Exact cover and exclusions depend on the insurer and policy. Do not assume home insurance covers everything.

Renting a home? You still need home insurance.

Home insurance protects more than your belongings. It usually also includes travel cover, liability, legal expenses and protection after assault, so it matters for renters too.

What you need to know

• Home insurance can compensate personal belongings for many types of theft and damage, subject to policy terms.
• Basic cover includes travel, liability, legal-expenses and assault protection.
• Travel cover normally applies for around 45 days on an ordinary trip, although terms vary.
• For a bostadsrätt or villa, additional property-specific cover is needed.

What to do

1. Check exactly who in your household is covered.
2. Compare deductibles, limits and exclusions, not just price.
3. For a bostadsrätt, check bostadsrätt cover; for a villa, check villa insurance.
4. Keep photos, receipts or other proof of ownership for valuable items.

Important

Exact cover and exclusions depend on the insurer and policy. Do not assume home insurance covers everything.

Official sources

• Konsumenternas Försäkringsbyrå — Vad ingår i en hemförsäkring?
• Konsumenternas Försäkringsbyrå — Hemförsäkringens reseskydd

Sources checked: 2026-09-11.