Home insurance

LHV home insurance

Our home insurance takes care of your property, so you can take care of your loved ones.

Your belongings are insured worldwide for at least €3,000.
In case of loss, theft, or robbery of your bank card, unauthorised transactions made with your card are covered.
All-risks insurance packages offer extensive coverage for device breakdowns.
If your insured smart or electronic device is destroyed, we will always compensate you with the cost of a new equivalent item.
If a household appliance or electronic device is damaged, we will cover the cost of renting a replacement device.
Veterinary expenses for your family pet are insured in the event of a fire, natural disaster, theft, or robbery at home.
Personal liability insurance also covers you during sports activities, with the option to extend coverage abroad.

LHV Home insurance packages

We offer you the opportunity to insure your property with the Start Home package against risks of your choice or with the Standard Home and Premium Home packages against all unexpected accidents which are not excluded by the terms and conditions.

Packages	Start Home	Standard Home	Premium Home
Home assistance for emergencies 24/7 service for dealing with home emergencies. For example, we assist in stopping water leaks caused by burst pipes or removing a tree fallen during a storm.
Fire, explosion and lightning strike We cover damage caused by fire, explosions, and firefighting efforts, as well as destruction caused by lightning strikes. For example, if a lightning strike damages a chimney.
Storm and hale We cover damage caused by strong winds or hail. For example, if the wind damages the roof.
Water leak from piping We cover damage caused by flooding resulting from a burst pipe, hose, or blockage. This also applies if such damage is caused by a third party, such as a neighbour.	Selectable
Flood We cover damage caused by flooding due to rainfall, melting snow, or backwater (including storm-induced backwater). For example, if heavy rain leads to water entering the house.	Selectable
Offences against property (vandalism, theft, robbery) We cover damage to property caused intentionally by a third party or as a result of theft or robbery. For example, if a door lock is broken.	Selectable
Other unexpected accidents We cover any unexpected accident not excluded by the terms and conditions. For example, if a heavy object falls and damages the flooring.
Device failure We cover damage caused by a power outage or electrical fault (including lightning-induced electrical faults), or an electrical or internal mechanical failure of devices, for technical systems, solar panels, and electric vehicle charging stations up to seven years old, household appliances and electronic devices up to five years old, and computers up to four years old. Protection for household appliances, electronic devices, and computers applies if home contents insurance cover is selected.
Damage to the intact part of the insured item caused by a construction defect For example, if bathroom wall tiles have been poorly installed and fall off, damaging properly installed floor tiles, we will cover the damage to the floor tiles.
Damage caused by accumulated snow or ice on the roof We cover damage caused by the weight or movement of accumulated snow or ice on the roof. For example, if a drainpipe becomes blocked, freezes, and breaks away from the roof structure.
Penetration of rainwater into the building We cover damage caused by rainwater or meltwater entering the building through the roof, walls, or other enclosing structures, up to €10,000.
Psychological counselling and therapy We cover the cost of visits to a psychologist, psychiatrist, and/or psychotherapist, as well as treatment prescribed by them, in the event of a fire, burglary, or robbery at home. This is covered up to €250 per family member and up to €1,000 per insured event.
Interior design service In the event of the destruction of a building, we cover interior design services for its restoration, up to €3,000.
Replacement accommodation expenses We cover the costs of finding temporary accommodation, rent expenses, and moving costs (both to and from the temporary residence) up to €10,000 if the insured home becomes uninhabitable due to an insured event.	Selectable	Selectable	Selectable
Home loan payments We cover home loan payments up to €10,000 if the insured home becomes uninhabitable due to an insured event.	Selectable	Selectable	Selectable
Uncollected rental income We cover lost rental income up to €10,000 if the insured rental property becomes uninhabitable due to an insured event. This insurance cover applies to rental agreements with a duration of at least six months.	Selectable	Selectable	Selectable
Tenant-caused damage We cover damage caused intentionally or through gross negligence by the tenant or individuals permanently residing with them on the rental property. This insurance cover applies to rental agreements with a duration of at least six months.	Selectable	Selectable	Selectable
Damage caused during construction work We cover damage caused during construction work. For damage resulting from construction work, the excess is €1,000 per insured event, except in cases where the construction work results in a fire (in which case the standard excess stated in the policy applies).	Selectable	Selectable	Selectable

Liability insurance	Choose an addition
Real estate owner’s or possessor's liability insurance We compensate claims arising solely from the ownership or possession of the building or apartment property that is the insured object. For example, if a pipe bursts in an apartment, resulting in water damage to the neighbors below, or if a tree falls from the yard of a private house onto a neighbor's house/car.
Private person's liability insurance We compensate claims arising from property damage caused to a third party by a family member outside the home. For example, if a child accidentally breaks a neighbor's window with a ball while playing outside.
Private person's liability insurance abroad We will compensate claims if a family member has caused damage anywhere in the world, for example in Spain.
Pet owner's liability insurance We will cover claims where the damage is caused by a pet. For example, if dog puts its paws on a neighbor's car and scratching its paint.
Liability insurance for light electric vehicle users We will compensate claims if a family member has caused damage with a light electric vehicle. For example, if a child rides an electric scooter into a pedestrian on the street, causing bodily injury and damaging clothing. It is wise to choose this additional protection together with private person's liability insurance abroad, because Motor Third Party Liability insurance may not be valid for light electric vehicles in a foreign country.

Calculate the price

Risk mitigation

How to mitigate financial risks?

YYou can insure your mortgage payments and the costs of temporary accommodation for the period when your home becomes uninhabitable due to an insured event.

How to mitigate rental property risks?

You can insure your rented-out property along with its essential parts and the belongings located within it. If you choose liability insurance, we will cover damages on your behalf in cases where you are held responsible for damage caused to neighbours or tenants by your rental property. You can also insure against damages caused by the tenant to the property or household items, whether intentionally or due to gross negligence, as well as lost rental income during the period when the rental property becomes uninhabitable due to an insured event.

How to mitigate the risks associated with building a home?

If you plan to carry out building or repair work at home, you should take out insurance to cover this by choosing additional protection for damage caused by construction work. This way you are insured against possible accidents during the work. The policy also covers construction materials stored at home, waiting to be installed. Construction work includes activities such as building, erecting, installing, expanding, reconstructing, demolishing, or other related activities that result in the creation of a building, changes to its physical properties, or modifications to its enclosing structures, load-bearing, or stiffening structures, as well as the installation, modification, or removal of technical systems.

However, construction work does not include interior renovations such as replacing wallpaper or flooring materials or painting walls and ceilings.

How to mitigate risks as a tenant?

As a tenant, you can insure your rental home in the same way as any homeowner. You can insure the property, its essential parts, and the belongings located within it. If you choose liability insurance, we will cover damages on your behalf if you are held responsible for damages caused by your actions in the rental home (for example, if you accidentally leave a tap running, causing water damage to the downstairs neighbours). Additionally, you can insure the costs of temporary accommodation. This means that if your rental home becomes uninhabitable due to an insured event and you need to rent a temporary living space, we will compensate for the costs incurred in finding, renting, and moving to and from the temporary accommodation.

Damage assistance and prevention

LHV home insurance is there for you, even before something happens

In the event of an accident, we will help you to find a quick solution to the emergency.
If you try to prevent an accident but this causes damage to your property, we will compensate you for the losses.

Post damage home assistance

If damage has occurred, we help to eliminate the consequences, such as drying surfaces after water damage or covering a broken window.
If a thief has broken a door or a window, we will arrange for your home to be guarded.
If you need to temporarily move elsewhere due to an insured event, we will help you to find and to move to temporary housing.

Learn more about our home assistance service

Damage prevention assistance

In case of danger, we help to eliminate the source of the hazard, such as by fixing a leaking pipe.
If a door lock is broken, does not work, or the key is lost, we will replace the lock.

If you need help quickly, call 680 1122

LHV home assistance is available to you 24 hours a day and without excess.

Documents and additional information

Home Insurance Changes

Updated terms

We are pleased to announce that your home insurance has become even better. The new Home Insurance Terms and Conditions came into effect on 16.12.2024.

Updated Home Insurance Terms

Insurance Packages

Start Home is a new insurance package that allows you to insure selected risks if you want to protect your property only against certain risks, such as fire and storm, and pay a lower insurance premium in this regard.

Standard Home insurance package is a further development of the previous Super Home insurance package, which now also includes equipment failure insurance coverage. In addition, electronic devices up to five years old and desktop and laptop computers up to four years old are now also insured against equipment failure.

Premium Home insurance package is a further development of the previous Mega Home insurance package, in which we have increased the scope of insurance coverage. Now entry of precipitation water into a building is insured up to 10,000 euros, damage cause due to the weight or movement of snow or ice is insured without a time limit, and if the building is destroyed, we will also compensate for the costs of interior design services up to 3,000 euros when restoring it. The Green Home insurance package will disappear and when the contract is renewed, we will offer the Premium Home package instead.

Learn more about new packages

What has changed from before?

The main changes to the conditions are presented in the table below.

Contracts concluded until 15.12.2024 (incl.)	Contracts concluded from 16.12.2024
Insurance coverage realted to structure
Together with a part of a private house, terraced house block or semi-detached house, the following are insured with a total compensation limit of up to 15,000 euros, owned by the policyholder and located on the same property: • facilities and unheated small buildings up to 20 m2, • fuel required for heating the home, • solar panels, • costs of restoring landscaping.	ogether with a private house, terraced house block or part of a semi-detached house, the following are insured, owned by the policyholder and located on the same property: • structures and small buildings up to 20 m2 with a compensation limit of up to 20,000 euros; • solar panels with a compensation limit of up to 15,000 euros; • an electric car charging station at its replacement value; • parts of the building and construction materials awaiting installation located in the building at their replacement value; • fuel required for heating the home with a compensation limit of up to 1,500 euros; • landscaping restoration costs with a compensation limit of up to 6,000 euros.
An electric car charging station is not insured with the apartment.	An electric car charging station installed next to the vehicle parking space belonging to the apartment and located on the same property is insured.
Uninstalled interior finishing elements are not insured with the apartment. They can be insured separately with household goods.	The interior finishing elements of the insured apartment that are waiting to be installed, such as flooring material and wallpaper, are insured.
The apartment is insured together with the notional part belonging to it.	The apartment is insured to the extent of the real part. This means that the insurance covers only the parts inside the apartment, including, for example: • interior decoration; • electrical and technical systems inside the apartment; • sanitary equipment; • built-in furniture. The insurance does not cover the common areas of the building or the notional part of the common property (e.g. staircases, corridors, roof). A separate Apartment Association Insurance contract must be concluded to insure these areas.
The greenhouse is not insured by default.	A greenhouse is insured by default if it meets the description of a small building given in the Terms and Conditions.
Insurance coverage related to household property
Property located in the storage room is insured up to 10% of the sum insured of the household property.	Property located in the storage room is insured up to 25% of the sum insured of the household property.
Household property located in a rented self-storage is insured up to 10% of the sum insured of the household property.	Household property located in a rented self-storage is insured up to v25%** of the sum insured of the household property.
Household property located in an outbuilding is insured up to 10% of the sum insured of the household property.	Household property located in an outbuilding is insured up to 25% of the sum insured of the household property.
Household property located in a fenced yard is insured up to 5% of the sum insured of the household property.	Household property located on the immovable outside of the building is insured up to 25% of the sum insured of the household property.
Household property located on balconies and terraces is insured up to 5% of the sum insured of the household property.	Household property located on balconies and terraces is insured up to 25% of the sum insured of the household property.
Portable property is insured up to 5% of the sum insured of the household property.	Portable property is always insured for at least 3,000 euros if the household property is insured under the policy. If you have several home insurance contracts in LHV with portable property protection, then if necessary, the portable property insurance sum of these contracts will be summed up and a single, highest deductible will be applied.
Smart devices are insured up to 2% of the sum insured of the household property.	No separate compensation limit applies to smart devices.
Electronic devices are insured up to 30% of the sum insured of the household property.	Electronic devices are insured to the extent of the household property sum insured stated on the policy.
The pet is not insured.	The cost of treatment, cremation and burial of a pet incurred as a result of theft, robbery, natural disaster or fire at the insured residence are insured.
The insured person's household property in short-term use is insured.	Household property that is temporarily in the use of the insured person for up to 30 days is not insured (for example, borrowed or rented items).
Additional insurance covers
The sum insured for expenses on substitute dwelling is 6,000 euros.	The sum insured for expenses on substitute dwelling is 10,000 euros.
The sum insured for home loan payments is 6,000 euros.	The sum insured for home loan payments is 10,000 euros.
The sum insured for rental income forgone is 6,000 euros.	The sum insured for rental income forgone is 10,000 euros.
Insurance coverage related to liability insurance
Private person's liability insurance is provided, which also includes private property liability insurance protection.	Private property liability insurance is now a separate coverage, to which you can add private person's liability insurance coverage if you wish.
Private property liability insurance extends to claims related to immovable whose insured location is not indicated on the policy, but is located in Estonia.	Private property liability insurance does not apply to claims related to immovable, which is not stated on the policy. If you have more than one home insurance policy with us, please immediately make sure that your other policies also include private property liability insurance coverage. If not, please let us know as soon as possible.
The sum insured for personal light electric vehicle user’s liability is 2,000 euros.	The sum insured for personal light electric vehicle user’s liability is 20,000 euros.
Principles for indemnification
The insured value of a smart device that is one to two years old and a computer that is one to four years old is the market value before the insured event, but not higher than the sum insured stated on the policy.	The insured value of a smart device that is one to two years old and a laptop or desktop computer that is one to four years old is the replacement value (new value) of the item, but not more than the sum insured stated on the policy.
An unattended bicycle or stroller is not insured outside the insured location.	A bicycle or stroller left unattended outside the insured location during the day is insured if it is securely locked with a bicycle lock. If a bicycle or stroller is left in a shared space in an apartment building, such as a bicycle room, stairwell, garage or basement, it must be securely locked with a bicycle lock.
Items left in the vehicle are not insured.	Items left out of sight in a locked vehicle are insured.
Damage caused by an animal is not insured.	Unexpected damage caused by a domestic animal that is not related to chewing, tearing, scratching or exuding is insured (except if such actions by the domestic animal result in a fire or a broken glass surface of a building). Damage caused by a wild animal is insured.

Insurance Premium

Your home insurance premium may also change due to the product changes.

Contact and Complaints

For questions or complaints related to the changes, please contact LHV at:
Email: kindlustus@lhv.ee
Phone: 699 9111

Information about the insurance agent is available on the website.

Frequently asked question

Got any more questions

Request a reminder and we will make you a new offer before the end of the current insurance coverage.

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Ask for advice

Call us at 699 9111 Mon–Fri 9–17 or email us at kindlustus@lhv.ee

Report a claim

Call us at 680 1122 or email us at kahjud@lhv.ee

Damage assistance

To call home assistance, call 680 1122 any time, 24 hours a day

Request a reminder