Housing
Home insurance (hemförsäkring)
Home insurance covers your belongings, your liability if you damage something, legal costs and assault — and you need your own even as a student or lodger.
At a glance
- Who needs it
- Everyone with their own household, including lodgers and second-hand tenants
- Covers
- Belongings, liability, legal costs, assault, travel
What it covers
| Part | Covers |
|---|---|
| Property (egendomsskydd) | Your belongings after fire, water damage, burglary |
| Liability (ansvarsskydd) | Claims if you cause damage — for example a leak that damages the neighbour’s flat |
| Legal (rättsskydd) | Lawyer costs in some disputes |
| Assault (överfallsskydd) | Compensation if you are assaulted |
| Travel (reseskydd) | Medical costs abroad, often for the first weeks of a trip |
Official sources
Rules and fees change. Always confirm on the official page before you apply or pay. Last checked 14 Oct 2026.