Home Insurance - for a house, an apartment, or a real estate
- Insure your house, apartment or cottage
- Choose the most suitable insurance package
Why choose If Insurance Home Insurance All Risk Package?
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If Koduabi (Home Help) in an Emergency 24/7
If Koduabi (Home help) helps in case of an accident at home - incl. water accident, broken lock, consequences of theft-vandalism, etc.
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Accompanying property insured throughout Europe
Your accompanying property (eg computer, camera and bicycle) is insured with the Total Risk Package up to 1000 € throughout the EU
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Water intrusion protection
Water damage is one of the most common. If water enters your building, we will compensate for damage to the interior decoration and home property
Having your home insured by If will give you a sense of security, as the losses will be covered in case of an accident, helping you overcome the consequences.
With If, you can insure important real estate with home insurance: a house, summer home, apartment, cottage, shelter, or a house under construction
Home Insurance Packages
Insurance coverage | Standard | Classic | All risk |
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Fire |
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Hail and wind |
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Leakage from pipes |
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Vandalism |
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Burglary, robbery |
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New door locks without deductible |
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Window glass breakage, seeing glasses and rental costs of temporary housing without deductible |
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Engineering utilities |
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Dwelling use interruption |
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Unexpected damages/destruction that is not excluded |
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Flooding |
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Property at home is compensated according to the principle "new replaces the old". Exceptions set out in the insurance terms and conditions apply for the “New replaces the old” principle. |
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The insurance cover is valid, if the property at home insurance has been selected |
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Water entrance into building |
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We compensate damages caused by construction faults |
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Home assistance 24/7 |
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Exceptions set out in the insurance terms and conditions apply for the "New replaces the old" principle |
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Immovable property owner's liability insurance |
Selectable | Selectable | Selectable |
If your rental apartment becomes damaged due to an insurance event, we shall compensate the loss of rental payments. |
Selectable | Selectable | Selectable |
A deductible is the portion of the amount of damages that you shall cover in case of any damages. With If Plus Bonus program you can reduce the amount of deductible. Read more plus.if.ee. If you would like to change the amount of deductible, contact us by calling 777 1211. |
300 € | 300 € | 300 € |