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LHV home insurance

Our home insurance offers a sense of security for the homeowner, the tenant, as well as the lessor, because our insurance has all-risk cover without any complicated limits.

  • In case of appliance breakdown or failure, we will reimburse the cost of renting a replacement appliance
  • Portable property is insured worldwide to the extent of up to 5% of the sum insured for home contents
  • The area of liability insurance can be valid worldwide
  • We offer protection against damage caused by the tenant or landlord

Home insurance packages

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


Super Home

Mega Home

Green Home

Quality items damaged due to a construction error
Home assistance for emergencies
Rain and snow water
Damage caused by snow or ice on the roof
Faults of home appliances and equipment servicing the building
Green insurance

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

Additional coverage

Choose an addition

Damage caused by a lessee
Costs of leasing a replacement dwelling
Insurance during building work
Loan payments
Loss of lease income
Liability insurance

Choose an addition

Liability insurance in Estonia
Liability insurance abroad
Pet owner’s liability insurance
Lessee’s liability insurance

Risk mitigation

How to mitigate financial risks?

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

How to mitigate the risks for rental premises?

You can insure rental premises along with any essential parts and property. If you choose liability insurance, we will compensate you for losses if you are liable for damage caused to the neighbours of your rental premises or the tenant. You can also insure against damage to the premises or home contents caused by the tenant and for the loss of rental income while the rental premises remain uninhabitable due to an insured event.

How to mitigate the risks associated with home building and repairs?

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 to mitigate risks as a tenant?

As a tenant, you can insure the home contents belonging to you that are located in your rental home or that you carry with you. If you choose liability insurance, we will compensate you for losses if you are liable for damage caused to the lessor. 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 home insurance is there for you, even before something happens
  • In the event of an accident, we will help you to find a quick solution to the emergency.
  • If you try to prevent an accident but this causes damage to your property, we will compensate you for the losses.
Post damage home assistance
  • If damage has occurred, we help to eliminate the consequences, such as drying surfaces after water damage or covering a broken window.
  • If a thief has broken a door or a window, we will arrange for your home to be guarded.
  • If you need to temporarily move elsewhere due to an insured event, we will help you to find and to move to temporary housing.

Learn more about our home 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 home assistance is available to you 24 hours a day and without excess.

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 home assistance, call 680 1122 any time, 24 hours a day


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