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
- A broad Insurance cover for both the lessee and the lessor
Home insurance packages
Our insurance covers all damage to building and household property resulting from an unexpected event not excluded in the terms and conditions.
The Green Home package can only be selected for buildings with Class A energy efficiency.
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Damage caused by a lessee
Costs of leasing a replacement dwelling
Insurance during building work
Loss of lease income
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Liability insurance in Estonia
Liability insurance abroad
Pet owner’s liability insurance
Lessee’s liability insurance
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 includes uninstalled building materials in the extent of up to 5,000 euros.
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.
Documents and additional information
Request a reminder and we will make you a new offer before the end of the current insurance coverage.Request a reminder
Ask for advice
Call us at 699 9111 Mon–Fri 9–17 or email us at email@example.com
Report a claim
Call us at 680 1122 or email us at firstname.lastname@example.org
To call home assistance, call 680 1122 any time, 24 hours a day