With cabin insurance, your holiday home is protected against both minor and major damage – including burglary, water damage, fire, and damage caused by mice or rats.
If the damage is so severe that the cabin can’t be repaired, we’ll build a new one for you.
If you have any questions, please call us at +47 21 49 24 00 – we’ll be happy to help.
Our cabin insurance protects you from mice and rats, and covers any damage they cause. With Extended or Super coverage, you also get help removing insects like bedbugs, cockroaches, and wood-boring beetles.
If Building Technical Advisory Service
Get free advice from our engineers and building specialists on maintaining your cabin and preventing costly damage.
Help 24/7
Emergencies don’t keep office hours – and neither do we. You can reach us anytime, day or night. Try our chatbot Nora or call us.
What does cabin insurance cover?
Cabin insurance covers damage to the building itself, extensions, and fixed installations such as terraces and fireplaces. Typical incidents include fire, water and natural damage, theft, burglary, and damage caused by pests, fungus or rot.
If the cabin becomes uninhabitable due to damage, we’ll also cover temporary accommodation costs – so you can feel safe, even when the unexpected happens.
Remember: the cabin insurance does not include your belongings. You’ll need a separate contents insurance for that.
Coverage
What’s included in the insurance
Insurance coverage
Basis
Standard
Super
Included
Included
Included
If your cabin is completely destroyed – for example, in a fire – you’ll receive compensation to build a new one. We’ll help you through the entire rebuilding process, including planning, purchasing and quality assurance.
You can also choose to buy a used cabin instead, and receive up to NOK 1,000,000 in compensation for renovation costs.
Included
Included
Included
We cover damage caused by natural disasters such as floods, storms, landslides or lightning strikes – as well as fire and soot damage to your cabin or surrounding property.
Included
Included
Included
We cover damage to your cabin and garden caused by theft, burglary or vandalism – for example, if intruders break in and damage the property.
Included
Included
Included
We repair structural damage caused by mice, rats and other rodents. Note: you’re responsible for keeping the building properly sealed against pests – fixing entry points isn’t covered.
Included
Included
Included
If a tenant deliberately causes damage, it’s covered. Wear and tear or improper use, however, is not – for example, water-damaged countertops or scratched floors.
Included
Included
Included
If you’re held legally liable for damage to another person or their property – for example, if your parasol blows away and damages a neighbour’s house – we’ll cover the costs.
If you’re involved in a legal dispute (e.g. with a contractor or a boundary issue), we’ll cover legal expenses up to NOK 100,000 – including lawyer, expert and court fees.
Included
Included
Included
Have questions about maintenance, renovations or damage prevention? With If Building Technical Advisory Service, you can easily talk to one of our building experts – completely free of charge.
Not included
Included
Included
We cover consequential damage caused by leaks in bathrooms or roofs under 50 years old. If the roof or bathroom is more than 30 years old, a deductible of NOK 8,000 applies. Note that you’re responsible for maintaining watertight roofs, bathrooms and exterior walls – fixing the actual leak isn’t covered.
Not included
Included
Included
We’ll help you quickly and effectively if your cabin is infested with pests such as bedbugs, cockroaches, silverfish, carpenter ants or wood-boring beetles. If they’ve caused building damage, that’s also covered.
However, sealing holes or cracks where pests can enter is your own responsibility.
Not included
Included
Included
We cover damage caused by fungus or rot that destroys wood and develops during your insurance period with If. This doesn’t include damage to doors, windows, external cladding, or cosmetic damage only affecting appearance. Rot damage in outbuildings (like sheds or garages) older than 50 years is also excluded.
Not included
Not included
Included
We cover both consequential damage and repair of leaks in bathrooms under 10 years old, as long as the work was done by an authorised professional.
Important: this only applies when an actual leak has occurred – not for design or construction errors such as incorrect slope.
Not included
Not included
Included
Legal advice: Your insurance includes two hours of legal advice per year from our partner, Advokatfirmaet Solver. You can get help with private legal matters such as rental contracts, consumer issues or neighbour disputes. Call +47 22 44 10 00.
Key service: Lost your key? Don’t worry. Call a locksmith and send us the receipt – we’ll refund up to NOK 5,000, with a deductible of NOK 1,000.
Not included
Not included
Included
If you move your insurance from another company to If, we guarantee at least the same level of coverage for the first two years. We’ll handle the transfer process for you.
Do you have questions about our insurance?
We’re always here to help – no matter how big or small your question is. We know how much your loved ones and your belongings means to you, and we’re here to make sure it’s well protected. Don’t hesitate to get in touch – we’re happy to help!