House insurance

If your home is completely destroyed, for example by fire, you’ll receive compensation to rebuild or buy a new one. We can help with planning, purchasing, and quality assurance throughout the process.
If you choose to buy a used home, you can get up to NOK 1,000,000 to cover renovation costs.

We cover damage caused by fire, soot, short circuits, lightning, and natural disasters such as flooding, storms, landslides, and earthquakes.

 We cover water damage to your home and garden, for example from heavy rainfall entering from the ground or drainage pipes.
We also cover leaks and bursts from pipes and connected appliances like dishwashers, and help with thawing frozen outdoor pipes.
Damage caused by drainage faults or condensation is not covered.  

We compensate for damage to your home or garden caused by theft, break-ins, or vandalism.

 We repair damage caused by rodents. You are responsible for preventing pest entry — repairs to openings or cracks are not covered.  

 If you rent out your property, we cover vandalism, theft, and embezzlement by tenants, as well as unpaid rent for up to 6 months and eviction costs up to NOK 20,000.
The tenant must have paid a minimum two-month deposit. The deductible equals at least three months’ rent and is deducted first from the compensation.  

If you become legally liable for injury or damage to others’ property (for instance, if your garden umbrella damages a neighbor’s house), we cover your liability.
We also cover legal expenses up to NOK 100,000 in disputes — for example with a contractor or a neighbor.
You can get a free initial consultation from our partner, Advokatfirmaet Solver (phone: +47 22 44 10 00).

Have questions about maintenance or renovations? Get free expert advice from If’s building specialists.

We cover interior damage from leaking bathrooms and roofs under 50 years old. For bathrooms or roofs older than 30 years, NOK 8,000 is deducted from the compensation.
Repairs of the actual leak are not covered.

 We help you remove pests such as bedbugs, silverfish, cockroaches, carpenter ants, or wood-boring beetles quickly and safely. If the pests damage your home, we also cover the repair.
You are responsible for preventing pest intrusion. Repairs to openings where pests may enter are not covered.  

We cover damage caused by fungus or rot that has developed while your home has been insured with If.
This does not include doors, windows, exterior wood, or buildings older than 50 years.

 We cover both the leak and the consequential damage in bathrooms less than 10 years old — if the work was performed by an authorized professional.
Coverage applies only when a leak has occurred, not for construction faults like incorrect slope in wet areas.  

If Home Inspection: A building expert from Anticimex checks your home for moisture, drainage, and roofing issues, and provides a detailed report – completely free.

Legal advice: Includes two hours of legal advice per year from Advokatfirmaet Solver on topics like rental contracts, consumer rights, or property boundaries.

Key service: Lost your keys? Send us the locksmith’s receipt and get up to NOK 5,000 refunded (you pay a NOK 1,000 deductible).

Switching from another company? We guarantee at least the same coverage you had before for the first two years – and handle the transfer for you.