Hedvig Review: Best Home Insurance in Sweden?
Finding the right home insurance provider can be challenging, especially for someone who is relatively new to Sweden and its insurance market. In 2020, I had my first experience with Hedvig, a home insurance provider that has gained popularity in recent years. Our encounter with Hedvig during a water damage incident in our rental apartment highlighted the importance of having reliable coverage.
In this blog post, I will share my personal experience with Hedvig and provide a comprehensive review to help you make an informed decision about your home insurance needs.
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I didn’t initially consider obtaining home insurance until it became a requirement in my rental agreement. After conducting research on various options, and comparing coverage, prices, and customer reviews, I chose Hedvig as my home insurance provider. Hedvig’s innovative approach, flexible policy options, and positive customer feedback made them stand out among their competitors.
Hedvig is one of the fastest-growing home insurance companies in the Nordics, and now you can add accident insurance as a supplement to your home insurance. Their home insurance coverage depends on your type of housing:
A notable benefit of choosing this for insurance is their fast claims handling, available until 8 pm every day, ensuring prompt assistance when you need it most.
Hedvig home insurance coverage
Their home insurance policy offers an extensive coverage package to ensure that your belongings and well-being are well-protected. With a coverage limit of 1,000,000 SEK and a fixed deductible of 1,500 SEK, you can rest easy knowing that your possessions and travel plans are secured.
Hedvig’s home insurance policy provides a comprehensive and flexible coverage plan that caters to your individual needs. With their fast claims handling, you can trust Hedvig to be there for you when you need assistance the most.
Home insurance pricing in Hedvig
Hedvig strives to provide fair and accurate pricing for their home insurance policies, taking into account various factors to ensure that each customer receives a personalized and competitive rate. Their goal is to keep price changes minimal and maintain the right price from the start, adapting only when necessary due to changes in your life or societal factors.
Once a year, they evaluate prices to ensure that no one is contributing too much or too little to the common claims pool. This process may result in price adjustments for some members to maintain fairness across the board.
They consider several factors when calculating your individual price, including but not limited to the number of persons in your household, the size and location of your residence, your age, payment history, and whether you own or rent your property.
In my personal experience, I found Hedvig’s pricing to be reasonable and competitive. To give you an idea, I currently pay 169kr for my home insurance (homeowner) policy, which covers both me and my husband in the household.
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How to make a claim
A while back, we experienced water damage in our rental apartment, which was both stressful and unexpected. We had to move out immediately, and it was my first time dealing with an insurance claim. Fortunately, Hedvig made the process as seamless as possible.
To initiate the process, all you have to do is send a voice recording from their app explaining your situation in detail. Be sure to include information about what happened, when and where it occurred, and any damaged items that may need replacement.
In our case, we were fortunate that our personal belongings were not damaged. Our primary concern was finding a temporary place to stay. Their customer support was incredibly helpful and understanding during this challenging time. It’s worth noting that we had to pay a deductible of 1500 SEK, as per the terms of our insurance policy. It’s still better than paying for another apartment for a month!

Hedvig promptly arranged a temporary apartment for us, which we stayed in for a month before purchasing a new apartment in Stockholm. Throughout this period, their customer support was always available to assist us and address any concerns we had.
If you’re considering various home insurance in Sweden, you may find this post on top home insurance options helpful. You can also use services like Compricer for comparing and switching insurance policies.
Overall, I am pleased with my experience with Hedvig. The claim filing process was simple, and their app enabled me to start a claim whenever needed. The outstanding support we received during our difficult situation was truly appreciated. I definitely recommend Hedvig to anyone looking for dependable and extensive home insurance coverage in Sweden.
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