Home insurance

LHV home insurance

Our home insurance offers a sense of security for the homeowner, the tenant, as well as the lessor, because our insurance has all-risk cover without any complicated limits.

Possibility to choose loan payment insurance coverage for your home
Illegal transactions with a bank card in case of card loss, theft and robbery are insured
In case of appliance breakdown or failure, we will reimburse the cost of renting a replacement appliance
Portable property is insured worldwide
Household property located in a rented small self-storage is also insured
With liability insurance, we simultaneously insure the liability related to all your homes located in Estonia

Home insurance packages

Our insurance covers all damage to building and household property resulting from an unexpected event not excluded in the terms and conditions.

Packages	Super Home	Mega Home	Green Home
All-risks Damage to property, including fire, forces of nature, water accident, flood, burglary, vandalism, other accidents.
Home assistance for emergencies A round-the-clock service for emergency situations, for instance when a pipe bursts and the water leak has to be stopped.
Quality items damaged due to a construction error If, for example, sudden water damage occurs because of poor workmanship in plumbing, we will indemnify the damaged parquet, but not the costs of eliminating the construction defect (repairing the plumbing).
Entry of precipitation water into a building The first-time entry of precipitation or melting water into the insured building through the roof, walls or other perimetral structures.
Damage caused by snow or ice accumulating on the roof due to heavy snowfall Damage cause due to the weight or movement of snow or ice that has accumulated on the roof over a short period (up to 72 hours).
Faults of home appliances and utility systems A fault of up to 7-year-old utility system equipment (e.g., heating or ventilation equipment) and up to 5-year-old home appliances caused by a power cut or disruption or an electrical or internal mechanical fault of the equipment.
Psychological counselling after an insured event We reimburse the visit fee of a psychologist, psychiatrist and/or psychotherapist and the cost of treatment prescribed by them after an insured event related to fire, intrusion or robbery.
Green insurance Solar panels are insured without a deductible. The insurance cover also applies in case of a fault in an electric car charger.

The Green Home package can only be selected for buildings with Class A energy efficiency.

Additional coverage	Choose an addition
Damage caused by a lessee Damage caused intentionally or due to gross negligence to leased immovable property or domestic property located therein by a lessee and/or the persons permanently living with him or her in the leased premises. The insurance cover does not apply in the case of lease contracts of less than six months.
Costs of leasing a replacement dwelling We shall help in finding a temporary place to live and indemnify the costs of moving to and from that place and pay the lease for the period during which your home is unfit for living due to an insured event. We shall indemnify the lease costs of the replacement dwelling until the restoration or replacement of the residential premises that have become unfit for living, but not for longer than 12 months and in excess of 6,000 euros. We shall not apply the deductible in indemnifying the lease costs of a replacement dwelling.
Insurance during building work If you carry out building or repair work at home, we will cover any resulting damage. Uninstalled building materials located indoors are also insured in the extent of up to 5,000 euros.
Loan payments We shall indemnify the payments of a home loan taken for acquiring a dwelling for the period during which your home is unfit for living due to an insured event. We shall indemnify loan payments starting from 30 days after the insured event until the restoration or replacement of the residential premises that have become unfit for living, but not for longer than 12 months and in excess of 6,000 euros. We shall not apply the deductible in indemnifying loan payments.
Loss of lease income We shall indemnify the lost lease income for the period during which the leased premises are unfit for living. We shall indemnify lease income starting from 30 days after the insured event until the restoration or replacement of the leased premises, but not for longer than 12 months and in excess of 6,000 euros. The insurance cover does not apply in the case of lease contracts of less than six months.

Liability insurance	Choose an addition
Liability insurance in Estonia We shall pay compensation for you if you or any of your family members accidentally causes damage to a third person. This could be a piping leak that originates in your home and causes damage to your neighbours’ property, or your child’s bike accidentally leaving a scratch mark on someone else’s car, or your child accidentally breaking a valuable item in a store. The territory of liability insurance is the Republic of Estonia.
Liability insurance abroad The territory of liability insurance is the entire world.
Pet owner’s liability insurance We shall pay compensation for you if your pet causes damage to a third person. For instance, your dog damages the property of guests or leaves scratch marks on a vehicle parked in the street with its claws.
Lessee’s liability insurance We shall compensate a claim for damages filed by your lessor for you, if you have accidentally damaged the lessor’s property. The limit of indemnity in an insured event is the liability insurance amount indicated on the policy, but not more than 20,000 euros.
Liability insurance for light electric vehicle users Insurance cover applies to damage caused to a third party by driving an electric scooter, an electric skateboard or a hoverboard.

Calculate the price

Risk mitigation

How to mitigate financial risks?

You can insure loan payments and the cost of renting temporary housing while your home remains uninhabitable due to an insured event. If an insured event occurs, we will compensate your monthly mortgage and rental payments while your home is being restored.

How to mitigate the risks for rental premises?

You can insure rental premises along with any essential parts and property. If you choose liability insurance, we will compensate you for losses if you are liable for damage caused to the neighbours of your rental premises or the tenant. You can also insure against damage to the premises or home contents caused by the tenant and for the loss of rental income while the rental premises remain uninhabitable due to an insured event.

How to mitigate the risks associated with home building and repairs?

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 or repair work. This way you are insured against possible accidents during the work. The insurance cover also includes uninstalled building materials in the extent of up to 5,000 euros.

How to mitigate risks as a tenant?

As a tenant, you can insure the home contents belonging to you that are located in your rental home or that you carry with you. If you choose liability insurance and take additional tenants liability insurance cover, we will compensate you for losses if you are liable for damage caused to the lessor.

You can also insure the cost of renting temporary housing, which means that if the rental premises remain uninhabitable due to an insured event and it is necessary to rent a temporary housing, we will reimburse the additional costs of finding a temporary housing, renting it, and moving back and forth.

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

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.

Request a reminder

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