Contents insurance

Standard home contents covers:

• Fire, lightning strikes and explosions
• Water damage
• Theft and damage
• Theft of bicycle and children’s buggy
• Liability and legal assistance
• Natural damage
• Public injunction
• Additional costs when the home is uninhabitable after damage

Fully comprehensive home contents includes:

• Combating insects (bed bugs, long-tailed silverfish and cockroaches)
• Accidental damage to household contents
• Accidental damage to mobile phones and tablets
• Moving insurance
• ID theft
• Building changes for wheelchair users after an accident
• Theft of personal belongings from private vehicles and leisure boats

Ancillary benefits:

• Extended cover for individual items and collections
• Extended cover for jewellery and gold

The insurance doesn’t cover:

• Expenses for maintenance and improvements

• Individual items or collections worth over NOK 300 000
• Jewellery and gold worth over NOK 300 000
• Wine and spirit collections are limited to NOK 500 000
• Art collections are limited to NOK 500 000
• For some damage and objects, the compensation sum is limited

The insurance is valid at the insured location that is agreed and specified in the insurance certificate.

The insurance certificate specifies which information is used as a basis. If anything is incorrect, you must inform us immediately. Security regulations are damage prevention and damage limitation measures you must take, and you will find these in the insurance certificate.

In the event of injury you must contact us as soon as possible. If you do not comply with your obligations, the settlement payment may be reduced, fully or partly.

You must purchase separate contents insurance for your cabin. The contents insurance you have for your home only applies at home. You can purchase the contents insurance you find on this page – you enter the address of your cabin yourself to insure it.

It is wise to combine cabin insurance and contents insurance with the same company. Then you only pay one deductible and get a simpler settlement if your cabin is subject to an insurance event.

If you have a detached house, semi-detached house or terraced house, you will be compensated for items you have in the garage. If you live in a flat, theft and vandalism in attic and basement storage rooms are covered.

Yes, contents insurance covers both theft and damage to mobile phones, PCs and tablets. To be insured against accidental damage, you must have contents insurance top.

If the bicycle is stolen outside your home, from common areas, storage rooms, garages or other places, contents insurance may apply.

Theft and vandalism of bicycles outside the Nordic countries can be covered by travel insurance.

If you have a particularly expensive bicycle, you may consider separate Bicycle insurance.

To lower the price of your contents insurance, you can, for example:

• Increase your excess.
• Combine your insurance policies with us to receive a Multi-policy discount.
• If you are under 34 years old, you can get both home contents and travel insurance for the price of one with Forsikring Ung (Young Adults Insurance).

Home contents and personal belongings are the same as items you own and use at home. Assets that are permanently fixed are considered part of the building and are not covered in a contents insurance.

A contents insurance follows the person who owns the policy, as well as family and children who are registered at the same address. If, for example, the child lives away from home due to studies or military service, they are still covered by having their registered address at home.

Insurance against identity theft is included in contents insurance top. It helps you if you have been at risk of identity theft. By identity theft we mean situations where someone else uses your identity with the intention of committing fraud or other criminal activity.

There are various types of ID that can be misused, such as passports, bank cards, driving licences, signatures and national identity numbers.

If you are at risk of identity theft, you can receive advisory services to limit the extent of the damage and recommendations for possible measures. In addition, DNB Legal assistance is offered, which can be useful in disputes related to payment remarks.

Accidents can happen to anyone. With contents insurance top, you fortunately have accidental damage insurance included. It covers you if you are unlucky and suffer accidental and sudden physical damage to your belongings, such as if you drop your mobile phone on the ground.

Read the terms carefully: Not all damage can be covered, and there may be separate requirements for deductibles and compensation amounts on some of your belongings. Examples of damage that are not covered include bicycles and sports equipment during use, damage caused by pets, and items that have been lost or forgotten.

If you combine your insurance policies with us, you can receive a combined discount on your non-life insurance policies, such as on your contents insurance.

Read more about how you can combine your policies to receive a discount on insurance yours.