Cabin Insurance

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.

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.  

We cover damage to your cabin and garden caused by theft, burglary or vandalism – for example, if intruders break in and damage the property.

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.

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.

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.

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.  

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.

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.

 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.  

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.

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.

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.