Home protection 1
Simple family insurance suitable for those who are starting a home and do not need accident and travel insurance.
Our customers get discounts on various security products
We are here whenever you need insurance.
Simple family insurance suitable for those who are starting a home and do not need accident and travel insurance.
Insurance can be complicated. To make things easier to understand, we have compiled all the key information about the insurance in an information document that can be viewed with the terms and conditions.
Home Protection | 1 | 2 | 3 | 4 | |
|---|---|---|---|---|---|
Household contents insurance | |||||
Comprehensive household contents insurance | Optional | Optional | Optional | ||
Liability insurance | |||||
Emergency assistance due to domestic violence | |||||
Personal accident insurance in free time | |||||
Domestic medical expenses due to accidents in free time | |||||
Child care insurance | |||||
Hospital stay insurance | |||||
Legal assistance insurance | |||||
Trauma insurance | |||||
Trip interruption and medical expense insurance | Optional | Optional | Optional | ||
Baggage insurance | Optional | Optional | Optional | ||
Baggage delay insurance | Optional | Optional | Optional | ||
Cancellation insurance | Optional | Optional | Optional | ||
Short-term home rental insurance | Optional | Optional | Optional | ||
Mandatory insurance that compensates for loss or damage to property due to fire.
Extensive and comprehensive protection for those who are constructing a house and have appointed a building manager and/or responsible contractors to oversee the construction work.
An important safety net in case of accidents or illness or as a security fund for those left behind if we pass away.
Home protection 1 is a simple and secure home contents and liability insurance in one package. It is well suited for individuals who are just starting out, are childless and do not need accident or travel insurance. It covers damage to household contents and other personal belongings. Home protection 1 also includes liability insurance.
The insurance covers the policyholder, their spouse/cohabiting partner and unmarried children. These individuals must have a shared legal residence in Iceland, live at the same address, and maintain a joint household.
Household items are items that are part of a general household and are not considered part of the property or its general accessories. Items that you would normally take with you when moving are considered household items. However, we recommend that expensive items, such as works of art, jewelry, expensive bicycles, special hobby equipment and other items that require special inspection and may even require separate insurance.
There is no travel insurance included in Home protection 1, but you can add such insurance to Home protection 2, 3 and 4. You may also have travel insurance through your credit card.
The property owner is responsible for insuring the property itself, but you need to take care of insuring yourself and your household contents. It is therefore sensible for everyone to have home protection, including those who rent.
Loss or damage caused by fire, explosion, or sudden sootfall from heating devices. Loss or damage from water, oil, or other liquid that unexpectedly flows from the plumbing system, but not from drains or gutters.
Loss or damage due to surface water, due to a sudden downpour or thawing.
Loss or damage due to a burglary in a locked building or vehicle Unlocked buildings in certain cases, see terms and conditions for more details.
Loss or damage due to the seizure of effects by physical violence or threats (robbery).
Vandalism, i.e. intentional damage to insured items but not, however, if caused by the insured. Loss or damage caused by storms, on the condition that the wind speed reaches at least 28.5 m/sec.
Loss or damage due to unforeseen stoppage of the cooling system of a refrigerator or freezer, provided this results in the destruction of food.
Loss or damage caused by a short circuit in electrical equipment.
Loss or damage to insured items caused by storms, on the condition that the wind speed reaches at least 28.5 m/sec.
Loss or damage of animals.
Loss or damage to motor vehicles, caravans and camper vans.
Loss or damage to goods intended for sale.
Loss or damage resulting from work with explosives during construction.
Loss or damage from water from external sources, such as groundwater, precipitation, flooding or damage due to water from gutters.
Loss or damage to household contents due to change of residence.
Loss or damage caused by sudden and unforeseeable events, which are not liable for compensation according to traditional household contents insurance.
An item that is lost, forgotten or left in public.
Loss or damage caused by normal wear and tear, insufficient maintenance or manufacturing defect.
Loss or damage caused by animals
Compensation in the event that the insured has become liable and the injured party does not share culpability or share liability.
The costs of the insured in the event a tort claim has been lodged against them.
Compensates loss or damage caused by the insured's child under the age of 10, regardless of liability.
Loss or damage caused by the insured parties to each other.
Loss or damage to items that the insured has on loan, for rent or in storage.
Loss or damage that occurs because of occupation, whether in the insured’s own business enterprise or work in the employment of another party.
Incidental costs if the insured person needs to change their circumstances due to violence in an intimate relationship.