FORSIO GUIDES
Home & your belongings
Home insurance, apartment supplements and the things you own. Understand how the cover fits together.
20 guides
Sources in every guide.
Guides in this topic
- Home insurance4 min
Do I have duplicate home insurance? Here’s how to check.
Two policy letters do not necessarily mean double cover. Compare dates, addresses, people and policy contents to see whether your home policies overlap.
Read the guide - Tenant-owned apartments4 min
What is bostadsrättstillägg? How to check whether it is included.
Cover for a tenant-owned apartment may be included in your home policy or arranged through the housing association. Here is how to check cover for surfaces and fixtures.
Read the guide - Belongings3 min
Do your valuables fit within your policy’s limits?
Bicycles, cameras and jewellery may have specific limits. Distinguish an item’s value from the policy’s maximum amount and actual compensation.
Read the guide - Home and housing3 min
What does home insurance include? Five parts to recognise.
Belongings, liability, legal expenses, assault and travel. Find the cover and limits in your home policy without relying on its product name.
Read the guide - Home and housing3 min
House or holiday home: are both the building and your belongings insured?
The building, grounds and your belongings may sit in different parts of the insurance. Check what the policy document covers and how it describes the property's use.
Read the guide - Home and housing3 min
Mortgage and loan protection: what is in your agreement?
Loan protection can mean payment cover after a loss of income or a payout on death. Start with the loan documents and distinguish an offer from an active agreement.
Read the guide - Home & your belongings4 min
Moving home: check your insurance address, dates and cover.
What happens to home insurance when you move? Check both addresses, the move itself and any storage before assuming everything carries over.
Read the guide - Home and housing4 min
Home insurance for renting, subletting or student accommodation: what applies?
Whose insurance applies when you rent a room, move into student accommodation or sublet? Check the address, insured people and cover in your documents.
Read the guide - Home and housing5 min
Water damage in a tenant-owned apartment: who does what?
The housing association, your tenant-owner supplement and home insurance can have different roles after water damage. Separate repairs, liability and insurance payments.
Read the guide - Home and housing5 min
Liability and legal expenses cover: what is the difference?
Facing a claim for damages or a dispute? Distinguish home insurance liability cover from legal expenses cover and find the terms you need to check.
Read the guide - Home insurance5 min
Bicycle or e-bike stolen: what does your insurance show?
Check vehicle type, theft location, lock requirements, limits and excess. The total amount in your home policy may not be the bicycle limit.
Read the guide - Home and belongings5 min
Warranty, purchase protection and all-risk: what is the difference?
Separate your statutory rights from warranties and insurance. Read what card purchase protection, all-risk and identity protection include before comparing them.
Read the guide - Home & your belongings5 min
New to Sweden: how does home insurance work?
Home insurance bundles several types of cover in one contract. See how your housing affects what needs insuring, who the policy letter covers and what to read first.
Read the guide - Home & your belongings5 min
Living together: does one home insurance policy cover you both?
One home policy can cover you both when you share a home, but the letter needs to show it. Check the people, the belongings and what applies between the two of you.
Read the guide - Home & your belongings5 min
Moving company and insurance: who pays if something breaks?
The moving company's liability, its insurance and your home insurance are separate questions. Read the agreement, document damage and complain in writing in good time.
Read the guide - Home & your belongings6 min
Frozen water pipes: what applies to a house or holiday home?
Frozen pipes can lead to water damage that insurance normally pays for, if the care requirements were followed. How to read the rules on heating, draining and checks, the excess and what to do first.
Read the guide - Home & your belongings6 min
Snow and ice on the roof: who is responsible, and what does insurance pay?
Snow sliding off a roof, a roof giving way under snow load and meltwater leaking in follow different rules. How to read the owner's duty, snow load in the terms and liability cover.
Read the guide - Home & your belongings6 min
Renting out your home: what does your insurance say?
Subletting, taking a lodger or hosting short stays through a platform? How to read what your home insurance says about letting, what the tenant's own cover means and which rules on consent apply.
Read the guide - Home and housing6 min
Solar panels, batteries and home chargers: what does house insurance cover?
Solar panels are normally included in house insurance, but how long they are covered, what applies to the battery and the charger, and what a faulty installation means all differ. How to read the terms.
Read the guide - You & your family6 min
Moving out: which insurance covers you now?
When you move out of your parents' home, their home insurance normally no longer covers you. See what your own home insurance contains, and what applies to child insurance, accidents and cover through school or work.
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