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Homeowners Insurance

Homeowners Insurance is a good additionunderlineto the Mandatory Fire Insurance. Homeowners Insurance provides comprehensive protection against unexpected and sudden events that lead to property damage. Damage to real estate is often very costly, so it is good to know that Homeowners Insurance is available in the event of loss.

More About Homeowners Insurance

  • The insurance covers, among other things, damage due to water leakage from pipes, damage caused by burglary or attempted burglary, if windows are broken and if damage is caused by bad weather. The insurance also covers damage that occurs if stovetops or sanitary appliances break due to unexpected and sudden accidents.
  • The Homeowners Insurance does not cover furniture or movables that are in the property. Furnishings and other movables must be insured separately under the F-Plus Family Insurance or the Personal Possessions Insurance in the case of precious items.
  • If you have Homeowners Insurance and are considering selling your existing property and buying a new one, please be advised that Homeowners Insurance is not automatically transferred between properties you own. It is important to make sure that the new property has the insurance coverage you want.
  • If you are moving from an apartment to a detached house, we suggest you consider purchasing Homeowners Insurance. Homeowners' associations often have joint homeowners insurance for all the apartments in the building and people who are moving out of apartment buildings often do not realise the benefits of insuring their detached homes with Homeowners Insurance. Please contact us if anything is unclear and we will assist you.
More About Homeowners Insurance

The insurance covers

  • Water damage due to leakage from pipes.
  • Damage due to a sudden thaw.
  • Indoor frost damage.
  • Damage to real estate due to burglary or attempted burglary.
  • Broken glass.
  • Broken furnishings, stovetops and sanitary appliances.
  • Sudden accumulation of soot from fireplaces.
  • Damage to real estate due to heavy snow.
  • Storm damage when the wind speed reaches 28.5 meters per second.
  • Fall of aircraft on the property.
  • Damage to third parties for which you may be liable as the owner of the property.

The insurance does not cover

  • Damage that has occurred gradually due to lack of maintenance.
  • Water damage due to external water.
  • Glass damage that occurs during construction.

Please note that the above list is not exhaustive. Further information can be found in the insurance terms.
In case of discrepancy between this list and the insurance terms, the insurance terms applies.

Included in the Insurance

Legal Expenses Insurance

Litigation in civil court proceedings can be costly. Legal Expenses Insurance pays for your legal expenses due to a dispute in civil actions.

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Do You Need More Coverage?

Additional Fire Insurance

Be vigilant! Does the fire insurance assessment of your property not reflect the true cost of rebuilding the property after fire damage? If so, we recommend Additional Fire Insurance.

Read More

Summerhouse Insurance

An enjoyable stay in a summerhouse is one of life's pleasures. Summerhouse Insurance is suitable for all summerhouse owners who want their holiday homes to be well protected.

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Insurance Terms

The insurance terms is your contract with VIS. It is important to thoroughly read the terms and understand what is covered and what is not, before purchasing the insurance.

If you have Property Insurance

you may also be interested in the following insurances.

Family and Home Contents Insurance

What we all have in common is that we can encounter unexpected events in life that cause damage to possessions or accidents to people. Therefore, it is important that you have appropriate coverage for your family and your belongings.


Vehicle Insurance

All of us can make mistakes while driving or find ourselves in a situation that results in damage. Therefore, it is important to have good motor vehicle insurance.


Life and Health Insurance

No one expects to lose their health or get into a serious accident, but the fact is that it can happen to all of us. With life and health insurance, you reduce the financial consequences of damage to your health


Travel Insurance

Are you planning a trip? Whether you are travelling for pleasure, study, work or other reasons, we recommend that you check whether you have travel insurance that suits you.


Animal Insurance

Animals need insurance just like any other family member. We have extensive experience in insuring animals and offer several types of animal insurance for horses, dogs and cats that you can combine according to your needs.