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LHV dwelling insurance is the best protection for your company’s dwelling.

LHV dwelling insurance offers security to business customers as owners, tenants or landlords of dwellings. You can insure immovable property used as a dwelling, the items within the dwellings, and the liability related to the ownership or possession of the dwelling.

  • Extensive insurance coverage for corporate tenants and landlords
  • In case of breakage or failure of household appliances, we will arrange for the replacement of the appliance and reimburse the rental cost
  • Damage assistance helps you find solutions to emergencies around the clock

Dwelling insurance packages

Our insurance covers all damage resulting from an unexpected event not excluded by the terms and conditions.

Packages

Super

Mega

Green

All-risks
Quality items damaged due to a construction fault
Damage assistance in emergencies
Rainwater entering the house
Damage caused by snow or ice accumulating on the roof due to heavy snowfall
Failure of household appliances and building services equipment
Green insurance

The Green package can only be selected for buildings with Class A energy efficiency.

Additional coverage

Optional
additional coverage

Loan payment insurance
Temporary housing insurance
Insurance during building work
Loss of rental income
Damage caused by the tenant
Liability insurance

Optional
liability insurance

Liability insurance for the owner or possessor of immovable property
Tenant’s liability insurance

Risk mitigation

How are financial risks mitigated?

You can insure loan payments and the cost of renting temporary housing while the insured dwelling remains uninhabitable due to an insured event. If an insured event occurs, we will compensate your monthly loan payments related to the acquisition of the dwelling and the rent payments for your temporary housing while the insured dwelling is being restored.

How are rental property risks mitigated?

You can insure rental property along with its essential parts and the items kept in it. If you opt for liability insurance, we will compensate you for losses if you are liable for damage caused to the neighbours of your rental property or to the tenant. You can also insure against damage to the immovable and movable property caused by the tenant, and against the loss of rental income while the rental premises remain uninhabitable due to an insured event.

How are the risks associated with building and repairs to the dwelling mitigated?

If you plan to carry out building or repair work at home, you should take out insurance to cover this. This way you are insured against possible accidents during the work. The insurance cover also applies to unused building materials.

How are a tenant’s risks mitigated?

As a tenant, you can insure your movable property within your rental home. If you choose liability insurance, we will compensate you for losses if you are liable for damage caused to the landlord. You can insure the cost of renting temporary housing while the rental premises remain uninhabitable due to an insured event.

Damage assistance and prevention

LHV dwelling insurance is there for you, even before something happens
  • If you try to prevent an accident but this causes damage to your property, we will compensate you for the losses.
  • In the event of an accident, we will help you to find a quick solution to the emergency.
  • In the case of danger, we will help to eliminate the source of the hazard, such as by fixing a leaking pipe.
  • If a door lock is broken, does not work, or the key is lost, we will replace the lock.
Post-damage assistance
  • If damage has occurred, we help to eliminate the consequences, such as by drying surfaces after water damage or covering a broken window.
  • If a burglar has broken a door or window, we will arrange for the dwelling to be guarded.
  • If you need to temporarily use a replacement dwelling due to an insured event, we will help you to find one and arrange the removals.

Learn more about our damage assistance service

Damage prevention assistance
  • In case of danger, we help to eliminate the source of the hazard, such as by fixing a leaking pipe.
  • If a door lock is broken, does not work, or the key is lost, we will replace the lock.
If you need help quickly, call 680 1122
  • LHV damage assistance is available to you 24/7 and without excess.

Ask for an offer

Ask for advice

Call us at 699 9111 Mon–Fri 9–17 or email us at kindlustus@lhv.ee

Report a claim

Call us at 680 1122 or email us at kahjud@lhv.ee

Damage assistance

To call damage assistance, call 680 1122 any time, 24 hours a day

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