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Updated terms and conditions of home insurance

We are committed to ensuring your peace of mind, which is why we have improved our home insurance terms and conditions. The updated terms and conditions apply to policies signed on or after November 28, 2024.

We want you to feel more secure during the season when weather conditions continue to bring unexpected challenges. That is why we have enhanced our home insurance coverages related to flooding and rainwater ingress into buildings. Read more about what has changed.

Better coverage against flooding and rainwater ingress into buildings

One of the most effective flood insurance coverage on the market
We indemnify damages caused by flooding. A flood is a situation where water suddenly and temporarily covers an area that is usually not under water. The cause of the flood is not of significance – a flood is a flood, whether caused by a storm, heavy or prolonged rain, rapid snowmelt, floodwaters, rising river and lake levels, dam failure, or even a water supply system failure.

However, normal groundwater fluctuations (e.g., in spring), which result in water entering basements, are not considered floods.
Extended coverage against rainwater ingress into the building
Both the All-Risk, Classic, and Basic packages now provide coverage against damages caused by rainwater (rain, snow) that has unexpectedly entered the building through the roof, walls, doors, or windows (i.e., through the building’s above-ground structures).

We will indemnify the damage to the interior finish and household property – and the number of claims is no longer limited. In the All-Risk and Classic packages, the indemnification limits for damages are now unlimited within the sum insured. In the basic package, we indemnify one claim for up to €10,000.
Covered by all insurance packages
Flooding and rainwater ingress into the building are now covered by default in all three insurance packages: Basic, Classic, and All-Risk. Previously, flood was only covered in the Classic and All-Risk packages, while rainwater ingress protection was available only in the All-Risk package.
Unlimited number of claims
If your home or household property is damaged due to flooding or rainwater ingress, it is covered, regardless of how often it occurs. All you need to do is report the damage to us.

Previously, indemnification required that there had been no flooding or rainwater ingress into the building in the past ten years.

Clarified security requirements

Insurance is there to help if, despite taking precautions, the damage could not be prevented. However, it is important to do your part to prevent the damage from happening in the first place. We have clarified some safety requirements in our terms to reduce the chances of damage occurring.

To prevent rainwater ingress into the building, make sure to securely close all doors, windows, shutters, and other openings when the public weather service has issued a warning about severe weather (such as storms or heavy rain).
To prevent water damage to property (including heating materials, e.g., wood briquettes) stored at the basement level (e.g., in a cellar), items should be stored at least 10 cm above the floor, for example, on pallets or shelves.
Bikes, scooters, and other light vehicles should be locked to prevent theft in public spaces and common storage areas, such as locked garages, staircases, and similar rooms.

Make sure to securely close all doors, windows, shutters, and other openings when weather is getting stormy.

Important to know

Deductible for repeated damages

For flood and rainwater ingress coverage, there is no longer a limit on the number of claims. However, please note that starting from the second claim within a five-year period, a double deductible will apply across all packages.

Buildings and extensions without proper documentation

Insurance coverage does not apply to illegal extensions of buildings, such as terraces or balconies that have been enclosed without a building permit. In addition, if the policyholder has not obtained the necessary permits or documents (e.g., building permits), the payment of the insurance compensation may be suspended until all required permits have been officially issued and are valid.

Restrictions regarding electric bicycles and scooters

Home insurance coverage does not extend to electric bicycles and scooters with a motor power exceeding 1 kilowatt or a maximum speed exceeding 25 km/h.

See the updated terms and conditions:

(in Estonian)

Learn more about home insurance

Private client
Insurance
Home insurance
Improved home insurance