Non-life insurance
Protect your property and liability – building insurance, home contents insurance and more.
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How to set non-life insurance
Non-life insurance covers several situations, so first define exactly what you want to protect: the building, household contents, liability, or legal costs.
What you compare here
Property, household, liability, and other non-life products by selected type. Coverage differs by risks, limits, and the sum insured.
What to prepare
Property address and type, building or contents value, how the home is used, household security, and any existing policies.
What to check in the offer
Sum insured, deductible, covered risks, exclusions, valuables limits, and conditions for flood, water damage, theft, or liability.
What to watch out for
Underinsurance is common. If the sum insured is below the real value of the property, the payout can be significantly reduced after damage.
Non-life insurance FAQ
How should I choose the sum insured?
It should reflect the real value of the building, renovation, or contents. For property, focus on replacement cost, not only market price.
What does deductible mean?
It is the amount you pay yourself when making a claim. A higher deductible often lowers the premium, but increases your own cost after damage.
When should I consider liability insurance?
If you could cause damage to neighbours, a landlord, an employer, or a third party in everyday life. It is often useful as an add-on to property cover.
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