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Home insurance

If you cherish your home, you have something to insure!

Get home insurance & feel confident and at ease about:

  • Your flat or house & its facilities including solar panels.
  • Your personal belongings at home or when taken with you anywhere in Lithuania;
  • Unintentional damage to your neighbours, guests or other people.
Residential building is a house, a semi-detached house, a terraced house or a summer-house.

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.

Total area stand for the sum of floor space in all rooms. This does not include open spaces, such as balconies and terraces. In order to insure a residential building that exceeds 600 m2, please contact out insurance support line by calling 1884.m2
  • 6,96€
  • 0%  The discount is applied for the first year of the newly concluded Home Insurance agreements.
  • 6,96EUR

* The calculated offer is based on a 15000 Eur incurance limit on home contents and liability.

Why is it worth choosing Swedbank Home Insurance?

With wide risk cover any unexpected and sudden event is insured if it’s not listed under exceptions.

Examples of insured risks:

  • Fire, water flooding in case of pipe rupture
  • Loss caused by natural disasters such as wind, hail, lightning strike
  • Robbery, theft, vandalism
  • Accidental damages caused by your own action
See more examples

In addition, mobile phones, tablets, laptops and TVs will be covered by home insurance (deductible is €150 in this case, for other assets deductible is only €57).
  • Personal belongings at home and while you are traveling with them anywhere in the territory of the Republic of Lithuania are insured. Insurance covers mobile phones, laptops, sports or other hobby equipment.
    There are few limitations for home contents cover
  • If you insure your home structure, home content and liability – liability insurance is valid in all of Lithuania. It also includes damages to third parties caused by your pet or accidents during your home renovation.
  • Home emergency assistance with locksmith, plumber, drying and cleaning services, builder services in case of unexpected accidents
  • Temporary residence or loss of rent income is included automatically for up to 12 months
  • Psychological aid after burglary, robbery or fire
  • 0 EUR deductible for home emergency assistance
  • 0 EUR deductible for the damage covered by liability.
  • Your home will be restored with modern building and furnishing materials.
  • If insured item can’t be repaired, the costs of acquiring a new item corresponding to the value and quality of the damaged one are indemnified.

One agreement - three protections

Home structure insurance

In case of damage, your home will be restored. If you insure your home structure, other facilities are insured automatically:

In the case of an apartment - a basement, garage, parking lot located in the same city, town or village as the apartment.

In the case of a house - house facilities (e.g. shed, playground equipment, etc.).

What can happen

  • Solar panel damaged by hail
  • Floor damaged by washing machine leakage
  • Fire as a result of damaged home appliance
  • Car collision with gates
  • Greenhouse damaged due to a fallen tree

Home contents insurance

Covers items at home and personal belongings you use inside or outside your property.

What can happen

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

See a few limitations for home contents

Liability insurance

Liability insurance covers claims arising from the management of insured buildings. By insuring home contents and liability together with real estate insurance, we will also repay for damage caused to third parties in the territory of the Republic of Lithuania.

What can happen

  • Flooding your neighbours’ apartment
  • Tree from your yard falls onto a neighbour’s house or fence
  • You accidentally break neighbour’s window
  • Your dog causes personal injury to your guest or a pet and they need medical help
  • You crash into another person while riding your bike and cause injuries or damage to their personal belongings
  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.

Make sure to 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 form

Our claim handling specialist will contact you shortly after receiving it and will provide further guidance.

In case you need 24-hour home emergency assistance, please call +370 5 268 4444 or 1884.
  • If a third party has caused damage to your home 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.

Life insurance supports your family when you are unable to do so.

With CASCO insurance you will be covered for unexpected events on the road.

If you are planning to borrow more than 5000 EUR for home improvement, we recommend taking a look at the condition of this loan.

Contacts

The insurance services are provided by Swedbank P&C Insurance AS Lithuanian Branch through its representative Swedbank, AB.

Insurance claims handling

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 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, 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 Lithuania (including a staircase of an apartment building) 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. As regards your bicycle or baby stroller, the insurance is valid as long as these objects have been locked to an immovable object. Your supervision is not needed for these objects: bicycle or baby stroller (as long as these objects have been locked or otherwise fixed to an immovable object); home contents left in the locked vehicle in such a manner that it cannot be seen from the outside of the vehicle; home contents left in the mini warehouse (up to 10 m2) rented from the professional warehouse service provider.

Mobile phones and tablets older than 2 years and laptops older than 4 years are not insured

Wide 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. To get full protection, include Home contents and Liability insurance covers when concluding Home insurance contract.

Examples of covered risks:

  • Fire. Unexpected damages caused by gas explosion will be covered.
  • Water flooding caused by pipe rupture. Water can damage not only your home but also home contents and your neighbour's home.
  • Financial loss caused by natural forces such as wind (regardless of the strength), hail, lightning strike).
  • Theft, robbery, vandalism. Loss of your mobile phone in case of robbery at the street.
  • Accidental damages caused by your own action. Home and valuable things can be damaged by yourself or your children.
  • Electrical fluctuations. Electrical appliances can be damaged, for example, due to overvoltage or other external electrical failures.
  • Accidental damage during home renovation or construction. A sink was broken because of while a plumber was working and dropped his tool by accident.
  • Mechanical or internal electrical failure of structure equipment, which is not older than 7 years, that ensures functioning of your structure. Your heat pump, boiler or other equipment may be damaged.
  • Other risks that are not mentioned in the Terms and Conditions exclusion list.

Exclusions:

  • Damage caused by long-lasting processes such as mould, corrosion, condensation or humidity.
  • Defective construction or repair work - we will compensate you for the loss if it leads to a sudden and unexpected event (e.g. the flood of your room caused by roof defect), but we do not compensate the defect itself (in this case – the defect of the roof).
  • Other exclusions that are listed in the Terms and Conditions

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

Services provided by Home emergency assistance

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

Plumber services. Preventing an emergency situation in case of pipeline rupture or providing a temporary solution, including, temporary heating for the building, if necessary, as well as drying and cleaning services in order to minimize the loss.

Drying and cleaning services. Preventing an emergency situation if the building is exposed to water or precipitation as a result of flood, storm or fallen items.

Builder services. Prompt installing of a temporary covering for 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 from building.

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