Hedvig Home Insurance in Sweden: My Personal Experience

I only started signing up on home insurance in Sweden when my landlord required me to get one. I didn’t research for any other home insurances by then and signed up with Hedvig as this is the recommendation I got.
There are many home insurance companies in Sweden. I had a good experience with Hedvig especially when there was water leakage in our rental apartment. They were easy to contact and they provided us with a temporary apartment.
If you are looking for home insurance in Sweden, then this post will guide you to find out the different insurances here & I will also share our personal experience with Hedvig.
What is home insurance?
Home insurance provides home security. It is a contract between a homeowner or tenant and an insurer usually for a period of one year, so the homeowner or tenant has protection against loss or damage to their home.
Home insurance will also provide coverage for losses from disasters such as fires, floods, storms, hurricanes, and earthquakes.
Benefits of having a home insurance
In general, you get a lot of protection when you have home insurance. It doesn’t break the wallet and it also lets you have peace of mind for whatever will happen at your happen.
- Home insurance can cover the repair or replacement of your home and its contents in case of a loss.
- It is an essential safety net for you and your family, protecting them from financial ruin in the event of a disaster.
- Home insurance pays for expenses incurred after an insured event such as reconstruction, temporary housing, and living expenses during repairs.
- Protect yourself with home insurance that is tailored to suit your needs.
- Types of coverage available include fire/explosion, windstorm/hail damage, earthquake damage, theft protection (covers theft or vandalism), water backup (coverage for sewerage back-up).
- It’s becoming more affordable now.
Home insurance in Sweden
Getting home insurance in Sweden is easy and you only need your personnummer. If you don’t have one yet and you want to get home insurance, then you can try If or Länsförsäkringar.
There is a lot more home insurance (hemförsäkring) companies in Sweden, but here are the top 4 that are frequently recommended.
- Hedvig
- Länsförsäkringar
- If
- Trygg Hansa
Hedvig
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:
- Homeowner (bostadsrätt)
- Rental
- Student
- House & Villa
One more advantage of getting insurance with Hedvig is their costs are 20% lower than the market because their processes are already digitized.
Hedvig home insurance coverage
Your stuff is covered for 1 000 000 SEK with a fixed deductible of 1 500 SEK. The travel insurance is also covered for 45 days per trip.
- Fire damage
- Water damage
- Burglary
- Theft and damage
- Criminal damage
- Liability protection
- Legal protection
- Travel insurance
- Assault
- Travel illness
- White goods
- All-risk
- Tenant ownership (Homeowner home insurance)
- Pests (House & Villa home insurance)
- Rebuilding (House & Villa home insurance)
All-risk coverage means Hedvig can provide compensation in case of unforeseen events like spilling coffee on your laptop. Their compensation is 50 0000 SEK max per lost or damaged gadget.
Home insurance pricing in Hedvig
You can get a quote through their website. The price depends on the size of your apartment, the number of people in the household, and a lot more.
But, to give you an idea, when I had rental home insurance, I paid 149 SEK per month for a 50 sqm apartment.
Now, with the homeowner’s home insurance, I pay 159 SEK per month for a 55 sqm apartment for two people in a household.
Want a 10 SEK discount per month?
Do you want to get a 10 SEK discount per month on your home insurance with Hedvig? Signup using my code 8O928I to get your discount.
You can terminate your insurance with Hedvig any time you want. Just send them a message through their chat!
Länsförsäkringar
Länsförsäkringar home insurance is a home insurance company that is headquartered in Stockholm, Sweden. It was founded in 1844 and is one of the largest home insurance companies in Sweden. Länsförsäkringar home insurance offers home security to homeowners in Sweden.
Their home insurance coverage depends on your type of housing:
- House & Villa
- Bostadsrätt (condominium)
- Rental
- Holiday home
- Farm
- Student
Länsförsäkringar home insurance coverage
Länsförsäkringar provides different options for deductibles. The higher the deductible you choose, the cheaper your insurance will become.
- 1400 SEK
- 3000 SEK
- 6000 SEK
- 9000 SEK
They also have three plans to choose from:
- Basic home insurance
- Extended home insurance
- Extended home insurance + travel insurance (45 days travel protection)
Here are the things that are covered by Länsförsäkringar home insurance:
- Property protection
- Liability protection
- Legal protection
- Assault protection
- Travel protection
- ID protection
- All-risk (not included in the basic plan)
Home insurance pricing in Länsförsäkringar
You can get a quote through their website. I got a quotation on how much I would pay if I purchase home insurance from them.
With the homeowner home insurance, deductible of 1400 SEK & apartment size of 54,5 sqm (I put 55 sqm on their website). I have to pay:
- Basic home insurance: 143 SEK per month
- Extended home insurance: 177 SEK per month
- Extended home insurance + travel insurance: 214 SEK per month
The whole family can be covered in one policy.
If…
If is the leading non-life insurance company in the Nordic region and its goal is to have the industry’s most satisfied customers. If has been a climate-neutral company since 2011.
I don’t have home insurance with them, but I have my cat insurance with them.
Their home insurance coverage depends on your type of housing:
If home insurance coverage
Your stuff is covered for 1 500 000 SEK with a fixed deductible of 1 500 SEK. The travel insurance is also covered for 45 days per trip.
Similar to Länsförsäkringar, each home insurance has 3 different coverage depending on your plan.
- Assault
- Crisis (Reimbursement for the cost of consultations with a psychologist following a traumatic injurious event)
- ID theft
- Legal assistance
- Liability
- Personal property protection (water damage, fire damage, theft, etc.)
- Travel protection
- All-risk (not included in the basic home insurance)
- Covers up to the total sum insured during the move between two homes
- Electronics replacement cost (only included in the highest plan)
- Extra travel protection (cancellation, missing luggage, etc.) (only included in the highest plan)
Home insurance pricing in If
You can get a quote through their website. I got a quotation on how much I would pay if I purchase home insurance from them.
With the homeowner’s home insurance & apartment size of 54,5 sqm (I put 55 sqm on their website). I have to pay:
- Basic home insurance: 137 SEK per month
- Extended home insurance: 225 SEK per month
- Extended home insurance + extra travel insurance: 346 SEK per month
The whole family can be covered in one policy. And since I have the condominium, I can choose to get extra protection for the surface layer and fixed furnishings in the home for an additional 35 SEK per month.
Trygg-Hansa
Trygg-Hansa is a company that has been providing security to people and companies since 1828. In 2021, they became part of Scandinavia’s largest insurance firm with Moderna Försäkringar merging into them in 2022 when they form Sweden’s third-biggest insurance company.
In our current environment where everything seems uncertain but there are still risks involved no matter what happens; home insurance offers peace of mind knowing your assets will be protected should anything happen along the way.
Their home insurance coverage depends on your type of housing:
- House & Villa
- Bostadsrätt (condominium)
- Rental
- Holiday home
- Student
Trygg-Hansa home insurance coverage
Your stuff is covered for 1 500 000 SEK and you can choose how much deductible you are willing to pay yourself when something happens.
- 1500 SEK
- 2500 SEK
- 5000 SEK
- 10000 SEK
The home insurance coverage below is for the bostadsrätt home insurance. Other home insurances have the basic protection. There will be supplements depending on your housing type.
- Theft, burglary, and vandalism
- Fires and water damage
- Compensation if things are damaged by the forces of nature
- When something breaks
- Travel insurance
- Assault protection
- Crisis insurance
- Liability insurance and legal protection
Home insurance pricing in Trygg-Hansa
You can get a quote through their website. I got a quotation on how much I would pay if I purchase home insurance from them.
With the homeowner’s home insurance & apartment size of 54,5 sqm (I put 55 sqm on their website). I have to pay a minimum of 216 SEK per month.
If I want to include all-risk in my insurance, it will be an additional 62 SEK per month.
My personal experience with Hedvig home insurance (water damage in our apartment)
Now you have an idea about home insurance in Sweden. I have been with Hedvig since 2019 & I have shared in my life update previously that we had water damage in our rental apartment.
It was a stressful moment, obviously, because we need to move out immediately and I have never experienced claiming anything from any of my insurances.
I had to contact Hedvig. The good thing about them is we can file a claim through their app.
Basically, you just need to send a voice record to them and explain your situation. It should be as detailed as possible.
- What happened?
- When and where did it happen?
- Which items got damaged or need replacement?
Luckily, our personal belongings were not damaged and we are mostly concerned about where to stay next.
We stayed in the apartment they provided for a month before we bought an apartment in Stockholm.
Here’s the conversation I had with their customer support last year:

Overall, I am very satisfied with Hedvig. It was easy to file a claim & you can file a claim any time of the day.
I definitely recommend Hedvig!
How to choose the best home insurance in Sweden
If you are looking for affordable insurance in Sweden, Hedvig is a great place to start. With their help, we were able to get an apartment while the water leakage is being fixed in the apartment and they have been so helpful every time I’ve contacted them! It’s reassuring knowing that my family will be taken care of if anything goes wrong thanks to Hedvig home insurance.
Choosing home insurance in Sweden depends on your needs & budget since not all home insurances provide the same coverage.
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