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Home insurance

Happy family, father and two daughters, sit on the porch of the house and look after the little son

Orange – it’s a sign to insure!

Get home insurance & feel confident and at ease about:

  • The home is insured at replacement value
  • Damages caused by household and natural disasters, including rain, wind and hail, are insured
  • Home contents and liability insurance valid anywhere in Latvia
  • If the insured items cannot be repaired, the cost of purchasing new, equivalent items is reimbursed
 If the total area of the residential property includes a large terrace, an extended garage or the building has an unconventional layout, please contact us for a personalized offer by e-mail at apdrosinasana@swedbank.lv or by phone on 67 444 449.
If the property to be insured is a twin house, semi-detached house or part of a building, then insure it as an apartment. If you also wish to insure the sauna building together with it, get in touch with us via Internet Banking message or by phone on 67 444 449.

In the case of stone construction, the construction of a structure, load-bearing walls and inserted ceilings are made of stone.

In the case of stone and wooden constructions, the construction of the structure and load-bearing walls are made of stone, and inserted ceilings are made of timber.

In the case of wooden construction, the construction of the structure, load-bearing walls and inserted ceilings are made of timber.
For an apartment, give the total area in sq.m., including any balconies. For a house, give the total area in sq.m., including any terrace/patio. In order to insure a residential building that exceeds 400 m2, please contact out insurance support line by calling +371 67 444 449.
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The insurance premium calculation is only indicative. The calculation also includes a 15000 EUR sum insured for home contents and a 15000 EUR third-party liability limit. You will get a personalized insurance offer when you proceed with conclusion of the insurance contract.

Why choose Swedbank Home Insurance?

All-risk insurance means that any unexpected and sudden event is covered, unless listed under the exceptions.

Examples of insured risks:

  • Fire, pipe rupture
  • Natural disasters – wind, hail, thunderstorm, flood
  • Robbery, theft, vandalism
  • Accidental damages caused by your own action
See more examples

Deductible, unless specified otherwise, is 140 EUR.
  • Items at home, outbuildings and outside the home anywhere in Latvia are insured. Work laptop, mobile phone, sporting or other hobby equipment is also insured.
    See some limitations
  • Liability insurance is valid in all of Latvia. This also includes damage or loss caused to third parties by pets or due to home renovation.
  • 24/7 emergency assistance provided by locksmith, plumber, builder, drying and cleaning services in case of unexpected accidents
  • 0 EUR deductible for 24-hour emergency assistance
  • 0 EUR deductible for cases where third party’s liability is proven
  • Your home will be restored with modern building and furnishing materials
  • Psychological aid cost indemnification after theft, robbery or fire
  • If the insured items can’t be repaired, we’ll apply the principle of “new replaces the old”
  • The cost of temporary residence or loss of rent income for up to 12 months

Include three protections into one agreement

If damaged, your home structure will be completely restored. Facilities (e.g. fence, playground) are insured automatically.

What can happen

  • Solar panel damaged by hail
  • Floor damaged by washing machine leakage
  • A car drives into fencing and damages it
  • Greenhouse gets damaged due to a fallen tree

Covers items in the house or apartment.

What can happen

  • Damage to stove caused by a falling bowl
  • Damage to electric device due to lightening
  • Theft of robotic lawnmower from a property with no fence
  • Theft of sports equipment
  • Damage to clothes and footwear due to a fire

Protects in cases when members of your household (incl. pets) or you yourself have caused damage to others.

What can happen

  • Flooding your neighbour’s apartment
  • Tree from your yard falls onto a neighbour’s house or fence
  • You accidentally break neighbour’s window
  • Your dog injures your guest or another pet
  • When riding a bicycle, you scratch somebody else’s car
  1. Choose covers suitable for your flat or house, its contents and liability and calculate the premium.
  2. Fill in the blanks about the property to be insured and other contract details.
  3. Make the first payment and conclude the insurance contract via Internet Banking.
  4. Insurance cover will come into effect from the date chosen in contract or on the next day after concluding it. The insurance policy is always available in your Internet Banking profile.
  • Home insurance terms and conditions (PDF)
  • Insurance product information document (PDF)
  • Information about the distributor (PDF)

Step body

Call the emergency services or property management company, if necessary. If the situation is safe, please notify us via Internet Banking as soon as possible.

Fill out the insurance claim application

In case you need 24-hour home emergency assistance, please call 67 444 449 (24h).
  • If a third party has caused damage to your house, apartment, outbuilding or home contents, as well as in a case of theft or burglary, report it to the police immediately. Also notify your security service if it has not been alarmed by the security system.
  • In case of fire or explosion, please immediately notify emergency services.
  • If you are unable to close off the pipes damaged in the incident, contact the emergency service or your property management company.
  • If, as a result of water leak, your home is flooded or there is a risk of flooding your neighbours, please notify your property management company.

Insure your life if you have close ones you care about, and who depend on your income.

 Discount 15%

Free technical assistance for the car and guaranteed use of original spare parts when repairing cars not older than 5 years.

 Agreement fee 0 EUR

For property purchase or renovation of your own property.

Contacts

  • phone 67 444 449 (24h)
  • info@swedbank.lv

The insurer is Swedbank P&C Insurance AS which is represented in Latvia by Swedbank P&C Insurance AS Latvian branch and the tied insurance agent is Swedbank AS.

Insurance claims handling

Fill out claim form

24-hour home emergency assistance

phone 67 444 449 (24h)

In case of sudden trouble with your home, such as property keys are lost, pipeline rupture, broken window, we will provide assistance by a qualified specialist - plumber, locksmith, builder. Full service is provided by the locksmith and limited service is provided by the plumber, builder.

See the limitations that apply to certain items:

Works of art, jewellery, valuables and antiquities are insured to the extent of up to 25% of the sum insured for home contents.

Home contents kept in a yard, storage room, basement, outbuilding, sauna building or yard located at your insured property are insured to the extent of up to 25% of the sum insured for home contents.

Non-installed building materials, non-installed equipment and tools are insured to the extent of up to 25% of the sum insured for home contents, only if stored in a building with locked doors and closed windows.

Cash located inside of living house or apartment is insured to the extent of up to 500 EUR.

Home contents outside the home anywhere in Latvia for the whole family living in the insured property are insured to the extent of up to 5% of the sum insured for home contents. Damage is indemnified only if the property was under your direct supervision during the insured event. Your supervision is not required for these objects: bicycle or baby stroller (as long as these objects have been locked to an immovable object); home contents left in a locked vehicle in such a manner that it cannot be seen from the outside of the vehicle; home contents stored in a mini warehouse (up to 10 m2) rented from a professional warehouse service provider.

Mobile phones and tablets older than 2 years and laptops older than 4 years are not insured including the aforementioned devices used for remote working provided by your employer.

Examples of insured risks

The all-risk cover insurance covers damage caused by any sudden unforeseen event, except those mentioned in the terms and conditions as exclusions. The most common damages that can happen at home are covered even if you accidentally cause them yourself. For full protection, include home contents and liability insurance covers.

  • Fire. Unexpected damages like gas explosion will be covered
  • Pipe rupture. Water can damage not only your home but also home contents and your neighbour's home
  • Natural forces such as wind, hail, lightening, regardless of the strength of the wind
  • Electrical fluctuations. Electrical appliances can be damaged, for example, due to overvoltage or other external electrical failures
  • Accidental damages caused by your own action. Home and valuable things can be damaged by yourself or your children
  • Accidental damage during home renovation or construction.
  • Theft, robbery, vandalism
  • Mechanical or internal electrical failure of structure equipment which is part of your home and is up to 7 years old. Your heat pump, boiler or other equipment may be damaged
  • Damages to your home window or door glass caused by any reason. The glass of your windows can crack because of rapid changes in temperature or any other reason
  • Other risks that are not mentioned in the Terms and Conditions exclusion list (PDF)
  • Damage caused by long-lasting processes such as mould, corrosion, condensation or humidity
  • Defective construction or repair work - we will indemnify you for the loss if it leads to a sudden and unexpected event, but we do not indemnify the part of the insured object that caused such loss
  • Other exclusions that are listed in the Terms and Conditions (PDF)

In the Terms and Conditions (PDF) you can find detailed information about insured events and exclusions, insured objects, principles of indemnification and other important conditions.

Services provided by 24/7 home assistance

Locksmith services. Emergency opening of door or gate locks and, if necessary, replacement of locks in case the key is lost, stolen or broken, the lock or key is damaged, or the key has been left inside the home and the door or gates are locked. We indemnify for the cost of purchasing and installing a new set of locks.

Plumber services. Prevention of an emergency situation in case of pipeline rupture by turning off water supply or providing a temporary solution by sealing the damaged part of pipe.

Drying and cleaning services. If your home is exposed to water or precipitation as a result of pipeline rupture, flood, storm or fallen items, drying and cleaning services will be provided. If necessary, temporary heating for your home will be provided.

Builder services. Prompt installing of a temporary covering for home, for example, a damaged window, door or roof resulting from a natural calamity or an unlawful act by a third party (such as actual or attempted breaking and entering), as well as removal of a tree fallen on your home.

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Contacts

“Swedbank” AS
Balasta dambis 15, Riga,
LV-1048, Latvia
BIC/S.W.I.F.T.: HABALV22
Reg. number: 40003074764

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This is Internet Banking site of companies offering financial services - "Swedbank" AS, "Swedbank Līzings" SIA, "Swedbank Atklātais Pensiju Fonds" AS, "Swedbank Ieguldījumu Pārvaldes Sabiedrība" AS, "Swedbank P&C Insurance" AS Latvia branch, "Swedbank Life Insurance" SE Latvia branch. Before signing any agreement read the terms and conditions of the respective service.