Home insurance

Certain insurances you are responsible for buying, while others are not necessarily a requirement.

Read on and consider whether you are properly covered. To secure your

home, interior, luggage, and the like in everyday life, you can buy various

insurances.

Most Danish insurance companies offer some form of standard coverage:

Contents insurance/family insurance

contents insurance/family insurance ensures that you receive compensation if your

contents are damaged by fire, water damage, or by being stolen.

At the same time, it covers if a person in the household causes damage to other

people's property or persons; so-called liability insurance.

Furnishings that are covered include all the loose items of the home (furniture,

clothes, music system, tableware, etc.) that belong to one from the household.

The total value of all these items is the sum of the contents.

Liability insurance covers if a person in the household can be held liable for

damage to other people, other people's things, or animals.

The luggage insurance covers, among other things, if your luggage is damaged

during shipment or stolen when you are traveling.

In addition, there are often different options, which vary:

Electrical damage cover includes damage due to short circuits and the like in

electrical appliances such as TVs, videos, and microwaves.

Bicycle coverage includes theft of household bicyclesDog liability insurance

covers the liability that under the Dog Act is the responsibility of the owner of a

dog. It is mandatory and must be drawn for all dog's life insurance and in some

cases, health and accident insurance for dogs glass and basin cover includes

damage to windows, toilet bowls, sinks, and other building parts of glass and

ceramics.

The damage must be so severe that the object is useless.

Holiday travel cover which includes the household during holiday and study trips in

eg Europe and the Mediterranean countries.

For example, it covers an unlimited number of trips of up to one month's duration all

year-round - and regardless of whether you travel together or separately.

Cancellation cover includes the amount a tour operator may require if you cancel a

pre-booked trip due to illness, death, or accident. 

Coverage of small boats and windsurfers includes fire, theft, and vandalism of

both up to 5.5 meters in length and windsurfers with up to DKK 22,500.