Dwelling insurance

LHV dwelling insurance is the best protection for your company’s dwelling.

LHV dwelling insurance offers security to business customers as owners, tenants or landlords of dwellings. You can insure immovable property used as a dwelling, the items within the dwellings, and the liability related to the ownership or possession of the dwelling.

Extensive insurance coverage for corporate tenants and landlords
In case of breakage or failure of household appliances, we will arrange for the replacement of the appliance and reimburse the rental cost
Damage assistance helps you find solutions to emergencies around the clock

Dwelling insurance packages

Our insurance covers all damage resulting from an unexpected event not excluded by the terms and conditions.

Packages	Super	Mega	Green
All-risks Damage to property, including fire, natural forces, water accident, flooding, damage to faultless parts due to a construction fault, burglary, vandalism, other accident.
Quality items damaged due to a construction fault If, for example, water damage occurs because of poor workmanship in plumbing, we will indemnify the damaged parquet, but not the costs of eliminating the construction defect (repairing the plumbing).
Damage assistance in emergencies 24/7 service for emergency situations, such as a water leakage due to a broken pipe.
Rainwater entering the house Precipitation or meltwater entering the dwelling through the roof, walls or other envelope structures.
Damage caused by snow or ice accumulating on the roof due to heavy snowfall Damage caused by the weight or movement of snow or ice falling on the roof over a short period of time (up to 72 hours).
Failure of household appliances and building services equipment Failure of the building services equipment (up to seven years of age) and household appliances (up to five years of age) caused by a power failure or malfunction, or an internal electrical or mechanical failure of the equipment or appliance.
Green insurance Solar panels and electric car chargers are insured without excess. Faults in an electric car charger are covered.

The Green package can only be selected for buildings with Class A energy efficiency.

Additional coverage	Optional additional coverage
Loan payment insurance We indemnify payments of loans taken for the purchase of the dwelling for the period when the dwelling is uninhabitable due to an insured event. We will indemnify loan payments starting from 30 days after the insured event until the restoration or replacement of a dwelling that has become uninhabitable, but for no longer than 12 months and up to 6,000 euros. Loan payments will be indemnified without charging an excess.
Temporary housing insurance We help you find temporary housing and reimburse the costs of moving out and moving in. We will also pay the rent for the period when the dwelling is uninhabitable due to an insured event. We will cover the rental cost of temporary housing until the restoration or replacement of a dwelling that has become uninhabitable, but for no longer than 12 months and up to 6,000 euros. The rental cost of a temporary residence will be indemnified without charging an excess.
Insurance during building work If you carry out building or repair work on your dwelling, we will cover any resulting damage. Unused building materials stored indoors are also insured.
Loss of rental income We will cover the loss of rental income for the period when the rental premises are uninhabitable. We will indemnify the loss of rental income starting from 30 days of the insured event until the restoration or replacement of the rental premises, but for no longer than 12 months and up to 6,000 euros.
Damage caused by the tenant Damage caused to the leased immovable property or movable property located therein intentionally or due to gross negligence by the tenant and/or persons permanently living there with the tenant. The insurance cover does not apply to leases with a term of less than six months.

Liability insurance	Optional liability insurance
Liability insurance for the owner or possessor of immovable property Under the liability insurance for the owner of possessor of immovable property, we will indemnify non-contractual claims arising from the ownership or possession of the insured dwelling. Such a claim is, for example, a neighbour’s claim to eliminate water or soot damage.
Tenant’s liability insurance Insurance cover against the landlord’s claims for damage caused by the tenant to the landlord’s property.

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Risk mitigation

How are financial risks mitigated?

You can insure loan payments and the cost of renting temporary housing while the insured dwelling remains uninhabitable due to an insured event. If an insured event occurs, we will compensate your monthly loan payments related to the acquisition of the dwelling and the rent payments for your temporary housing while the insured dwelling is being restored.

How are rental property risks mitigated?

You can insure rental property along with its essential parts and the items kept in it. If you opt for liability insurance, we will compensate you for losses if you are liable for damage caused to the neighbours of your rental property or to the tenant. You can also insure against damage to the immovable and movable property caused by the tenant, and against the loss of rental income while the rental premises remain uninhabitable due to an insured event.

How are the risks associated with building and repairs to the dwelling mitigated?

If you plan to carry out building or repair work at home, you should take out insurance to cover this. This way you are insured against possible accidents during the work. The insurance cover also applies to unused building materials.

How are a tenant’s risks mitigated?

As a tenant, you can insure your movable property within your rental home. If you choose liability insurance, we will compensate you for losses if you are liable for damage caused to the landlord. You can insure the cost of renting temporary housing while the rental premises remain uninhabitable due to an insured event.

Damage assistance and prevention

LHV dwelling insurance is there for you, even before something happens

If you try to prevent an accident but this causes damage to your property, we will compensate you for the losses.
In the event of an accident, we will help you to find a quick solution to the emergency.
In the case of danger, we will help to eliminate the source of the hazard, such as by fixing a leaking pipe.
If a door lock is broken, does not work, or the key is lost, we will replace the lock.

Post-damage assistance

If damage has occurred, we help to eliminate the consequences, such as by drying surfaces after water damage or covering a broken window.
If a burglar has broken a door or window, we will arrange for the dwelling to be guarded.
If you need to temporarily use a replacement dwelling due to an insured event, we will help you to find one and arrange the removals.

Learn more about our damage assistance service

Damage prevention assistance

In case of danger, we help to eliminate the source of the hazard, such as by fixing a leaking pipe.
If a door lock is broken, does not work, or the key is lost, we will replace the lock.

If you need help quickly, call 680 1122

LHV damage assistance is available to you 24/7 and without excess.

Documents and additional information

Frequently asked question

Got any more questions

Ask for an offer

Ask for advice

Call us at 699 9111 Mon–Fri 9–17 or email us at kindlustus@lhv.ee

Report a claim

Call us at 680 1122 or email us at kahjud@lhv.ee

Damage assistance

To call damage assistance, call 680 1122 any time, 24 hours a day