Insuring the home: house, bostadsrätt and holiday home
Which insurance you need from handover, what the association covers and what is often missing.
Applies to: Sweden. Reviewed 2026-09-25.
Key takeaways
- A house needs home and buildings insurance valid from handover day.
- In a bostadsrätt the association insures the building; you need home insurance with a bostadsrätt add-on for what you are responsible for.
- Compare excesses, all-risk cover and how water damage and pipe age are handled.
Which insurance
| Home | Insurance |
|---|---|
| Freehold house or terraced house | Home and buildings insurance |
| Bostadsrätt | Home insurance with bostadsrätt add-on |
| Holiday home | Holiday home insurance |
The Swedish Consumers' Insurance Bureau compares terms and explains what policies usually cover.
Questions to ask
- Does the policy cover damage caused by age and wear?
Red flags
- Cover only starts the day after handover.
Sources
- Konsumenternas – independent guidance on mortgages and insurance (Konsumenternas Bank- och finansbyrå)