Our home contents insurance covers everything you own inside your home – from furniture and clothes to bicycles and kitchenware. It protects your belongings against theft, fire, natural disasters, and even unwanted pests. If you have any questions, just call us at +47 21 49 24 00 — we're happy to help.
You don’t need to calculate the total value of your belongings. With If, all your contents are insured with an unlimited sum insured. Note: Individual items, valuables, or collections worth more than NOK 500,000 have a limit. Contact us if you need higher cover.
Pest control
If you experience unwanted guests such as bedbugs, silverfish, mice, or rats, we remove them safely and effectively. We cooperate with Anticimex, who have long experience in pest control and use environmentally friendly methods.
Accidental damage – protection against bad luck
With our Extended or Super coverage, you’re also insured for accidental damage. This includes incidents like dropping your camera, spilling coffee on your laptop, or breaking your phone.
What’s covered?
The insurance covers all movable belongings in your home – everything you would normally take with you when moving. Examples include: appliances, mobile phones, glasses, clothes, furniture, sports gear, bicycles, grills, lawnmowers, and garden furniture. If you experience damage from fire, water, natural disasters, theft, or accidents, we compensate the value of your items. Fixed installations such as kitchen units and flagpoles are covered by your building insurance, not contents insurance.
Coverage
What’s included in your home contents insurance
Insurance coverage
Basis
Standard
Super
Included
Included
Included
We cover damages caused by water, flooding, storms, landslides, earthquakes, lightning, and fire.
Included
Included
Included
If your home is broken into or you’re a victim of theft, we compensate both stolen and damaged items. This coverage also applies to items in your garden, terrace, and garage.
Included
Included
Included
If you become legally liable for injury to another person or damage to their property, we cover the liability. The liability insurance also covers drones and model aircraft used for recreation, sports, or competition. In case of legal disputes, we cover lawyer and court costs up to NOK 100,000. The first consultation with Advokatfirmaet Solver is free. Contact them at 22 44 10 00.
Included
Included
Included
If you are a victim of ID theft, you get up to 10 hours of legal assistance from Advokatfirmaet Solver. If disputes arise with creditors, we cover legal costs up to NOK 1,000,000. Contact Solver at 22 44 10 00.
Included
Included
Included
If you accidentally drop your camera, break your phone, or spill coffee on your computer, we cover the damage up to NOK 40,000 – both inside and outside your home, throughout the Nordic countries.
Not included
Included
Included
If your belongings are stolen while you’re out – for example at a shop, gym, or airport – we cover losses up to NOK 40,000 in the Nordic region.
Not included
Included
Included
If you’re moving, we cover damages during transport and when carrying items in or out – including when using a moving company.
Not included
Included
Included
If your locked bike (including e-bike) or other sports/outdoor gear is stolen, we compensate the loss. We also cover sudden damage during use, such as from falls or impacts, anywhere in the Nordic countries – up to NOK 40,000 per incident. Air sports equipment, such as parachutes, is not covered.
Not included
Included
Included
We assist if your home gets pests such as bedbugs, silverfish, cockroaches, mice, or rats. Interventions involving building structures are not included. You are responsible for preventing infestations.
Not included
Included
Included
The insurance covers vandalism, theft, and embezzlement by tenants, as well as unpaid rent for up to six months and eviction costs up to NOK 20,000. Requires at least two months’ deposit; deductible is minimum three months’ rent. We recommend a three-month deposit to reduce your loss.
Not included
Not included
Included
Covers damage to built-in white goods up to NOK 40,000 per incident.
Not included
Not included
Included
Covers loss, damage, and theft of bunads and accessories worldwide, with a deductible of NOK 500 per claim.
Not included
Not included
Included
If Building Technical Advisory Service offers free advice on renovation, maintenance, and damage prevention. Legal advice includes two hours per year with Advokatfirmaet Solver
Not included
Not included
Included
When you switch to If from another insurer, we guarantee at least the same coverage you had before – valid for two years. We’ll handle the transfer process for you.
What's not covered?
What's not covered?
Damage that occurred before the insurance started
Maintenance or improvement costs
Costs to prevent damage
This overview is a simplified version. Please read the full policy terms for complete details.
The deductible is the amount you pay yourself when a claim is settled. The standard deductible is NOK 4,000, but specific deductibles apply:
Accidental damage/theft (Super): NOK 2,000 per item
Pest control: NOK 2,000
Bunad: NOK 500
Legal expenses: NOK 4,000 + 20%
Natural disasters: NOK 8,000
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!