When choosing insurance for your home, it is equally important to pay attention not only to the price of the policy, but also to the risks and coverages included in it. If you choose insurance from SEB, which we offer in cooperation with our partner If Insurance, you can be assured of being protected against the most common and well-known causes of accidents and daily occurrences as well.
Your belongings will be safe
Sometimes taking out home insurance can become quite a challenge because the insurer will ask you for various additional pieces of information. For example, to insure your belongings, you need to group all the items in your home, make a long list of them, and add new items when they are bought.
Conversely, if you choose a household insurance policy with additional household contents (belongings) cover from SEB, you do not have to worry about this as all the items in your home are automatically covered. This includes furniture, household appliances, clothing, electrical appliances, and hobby items. Depending on whether you insure the contents of your flat, house, or cottage, the contents of the outbuildings and yard are also covered. If you ride your bike around town every day, the bike is also insured, so you do not have to worry about losses in case it is stolen.
Fast and without red tape
96% of If Insurance customers would recommend the company’s insurance services to their friends and family. One of the biggest advantages is that If Insurance does not look for petty reasons to deny or reduce the claim. For example, if a candle is left unattended on a table and a fire breaks out If Insurance would still understand and compensate for the damages.
Another advantage is that the processing of documents is quick and without delays. In most cases, a decision on reimbursement is made within two working days of receipt of all documents. In addition, you can easily file a claim and take out a policy remotely.
Parquet will not have to be replaced by laminate
Home insurance policies offered by SEB and If Insurance do not have the upper limit (“cap”) on the value of the insurance. This means that in the event of a disaster, you can restore your house to its former state. Furthermore, in the event of a disaster, you can have your house repaired by a reputable craftsman or a partner of If Insurance.
Sometimes other insurers’ policies, which seem to be the most financially advantageous, set a limit (cap) on the sum insured which, in the current changing economic conditions, can often lead to a sum insured that is not in line with the market circumstances and real prices.
For example, if your house is insured for 900 EUR per square metre (you can find this amount by dividing the sum insured of the policy by the area of the property). It is understandable that it is almost impossible to build a house for this amount nowadays. So, you either have to pay extra out of your own pocket or make very drastic compromises when building your house, for example by choosing cheaper materials instead of wooden floors.
Various solutions and easy payments
The household insurance policies offered by us can be easily adapted to the needs of each individual. Basic cover includes the most common accident risks, but you can also choose an additional cover. With landlord risk insurance, for example, you do not have to worry about damage to your property caused by short-term tenants after a stormy party, or by long-term tenants who decide to take appliances that belong to you with them when they move out.
If you live in a private home, the interior and exterior cladding, walls, roof, windows, utilities, heating and ventilation systems, as well as the yard, gates, children’s play equipment, green areas, and outbuildings up to 10.99 m2 (if the outbuildings are larger than 11 m2, they must be specified separately in the insurance policy) are insured at no extra cost.
As sustainable energy solutions become more and more relevant, SEB, together with If Insurance, are among the first on the market to insure your installed solar panels at no extra cost or without a separate specification in the policy when you take out home insurance.
You can calculate the price of the policy and take out home insurance with SEB at any time of the day. Moreover, if you wish, you can split the insurance payment into 12 instalments without incurring any additional costs.
Calculate the cost of a policy for your home
- All-risk insurance with low monthly payments
- Conveniently buy in the internet bank
- Fast payout – most often within 2 working days of receipt of all documents