In Sweden, home insurance (hemförsäkring) is considered essential — and many rental contracts require it. It is inexpensive and covers far more than your belongings. Here is an independent, English comparison of the best providers and what you actually need.
What home insurance covers in Sweden
Swedish hemförsäkring is unusually broad. Beyond fire, theft and water damage to your belongings, it includes liability cover (if you accidentally injure someone or damage property), legal cover (rättsskydd), travel insurance for trips up to 45 days, and assault cover. That is why it is seen as a must-have even for students and renters.
If you rent, you need a home insurance (hemförsäkring). If you own an apartment you add bostadsrättstillägg, and for a house you need villahemförsäkring which also covers the building. Pick the type that matches your home.
Cost is low — often around 100–200 kr/month for a renter — so the right move is to compare on cover and excess (självrisk), not just price. A slightly higher premium with a lower excess and broader cover is often the better deal.
Is home insurance mandatory in Sweden?
It is not required by law, but it is strongly expected — many landlords and housing cooperatives (bostadsrättsförening) require you to have hemförsäkring, and without it you have no liability or legal cover. For the low cost, almost everyone in Sweden has it.
What does Swedish home insurance (hemförsäkring) cover?
A standard hemförsäkring covers your belongings against fire, theft and water damage, plus personal liability, legal cover (rättsskydd), assault cover and travel insurance for trips up to 45 days. Cover and limits vary by provider — compare them above.
How much does home insurance cost in Sweden?
For a renter it is typically around 100–200 kr per month depending on where you live, the value of your belongings and your excess (självrisk). Owning an apartment or a house costs more because the cover is wider. Compare current prices above.
Which home insurance do I need — renter, apartment owner or house?
Renters need a basic hemförsäkring. If you own a bostadsrätt (co-op apartment) you add a bostadsrättstillägg. If you own a house you need a villahemförsäkring that also covers the building itself. Choose the matching type when you sign up.
Can I get home insurance as a newcomer to Sweden?
Yes. You generally need a Swedish personal number (personnummer) and a registered address. Most providers let you sign up online in minutes and the cover starts immediately or on a date you choose.
What is självrisk (excess)?
Självrisk is the amount you pay yourself when you make a claim — the insurer pays the rest. A lower excess means a higher monthly premium but less to pay when something happens. Compare both the premium and the excess, not just the price.
Compiled by the Compera editorial team · Independent comparison, ranked by price, terms and customer ratings · We may earn a commission via some links, which never affects the ranking. How we compare →
