Home insurance

General information

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Check the code

Check the e-mail address

Check the phone number

Check the phone number

By noting down your e-mail address and/or phone number you agree that we can contact you for a purpose of a personal consultation or making good insurance offers.


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Dwelling type: {{ { value: model.dwelling.type, items: dwellingTypes } | hkListItem: 'key':'name' }}

Address: {{ model.address.address.formattedAddress }}

Apartment number: {{ model.dwelling.flatNumber }}

Permanent residence: Yes No

Is the insured property for loan guarantee?: Yes ({{ { value: model.loanBank, items: banks } | hkListItem: 'key':'name' }}) No

Policyholder: {{ model.policyHolder.code }}

Email: {{ model.email }}

Phone number: {{ model.phoneNumber }}

Additional information

To calculate the price we still need some information.

Required

Check the building year

Building year can not be in the future

Required

In If e-office you can insure buildings up to 345 m2. Property larger than 345 m2 is insures individually. Contact us, call +372 777 1211.

Required

Year of construction: {{ model.dwelling.constructionYear }}

Area: {{ model.dwelling.area }}

Building material: {{ { value: model.dwelling.material, items: buildingMaterials } | hkListItem: 'key':'name' }}

Insurance coverages

{{model.selectedPackage.buildingPremium | hkCurrency: 'False' }}
Flat Sum insured – restoration value
House Sum insured – restoration value
Cottage Sum insured – restoration value
Semi-detached house Sum insured – restoration value
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  • Insured are interior decoration (wallpaper, parquet), non-bearing partition walls, a built-in oven, a stove, a fireplace, sanitary fittings, a sauna, ventilation, built-in kitchen furniture, doors, windows, etc.
  • The flat is insured without the legal share of the apartment building. This means that the insurance does not cover such items as the roof of the apartment building, the common staircase and so on. To insure the flat with the legal share of the apartment building, please call us on 777 1211.
  • The precise insurance coverage range is described in the insurance terms and conditions.
  • Insured are interior decoration (wallpaper, parquet), sanitary fittings, built-in heaters, built-in kitchen furniture, electrical systems, alarm systems, ventilation, heat pumps and other technical systems.
  • Also covered are the smaller auxiliary buildings (not exceeding 10 square metres) and ground-level structures that are part of the registered immovable. Auxiliary buildings larger than 10 square metres can be insured separately (step 3).
  • The precise insurance coverage range is described in the insurance terms and conditions.
  • Insured are interior decoration (wallpaper, parquet), sanitary fittings, built-in heaters, built-in kitchen furniture, electrical systems, alarm systems, ventilation, heat pumps and other technical systems.
  • Also covered are the smaller auxiliary buildings (not exceeding 10 square metres) and ground-level structures that are part of the registered immovable. Auxiliary buildings larger than 10 square metres can be insured separately (step 3).
  • The precise insurance coverage range is described in the insurance terms and conditions.
  • Insured are interior decoration (wallpaper, parquet), sanitary fittings, built-in heaters, built-in kitchen furniture, electrical systems, alarm systems, ventilation, heat pumps and other technical systems.
  • Also covered are the smaller auxiliary buildings (not exceeding 10 square metres) and ground-level structures that are part of the registered immovable. Auxiliary buildings larger than 10 square metres can be insured separately (step 3).
  • The precise insurance coverage range is described in the insurance terms and conditions.
{{model.selectedPackage.contentsPremium | hkCurrency: 'False' }}
Household property Sum insured {{model.dwelling.contentValue | hkCurrency: 'True' }}
Household property Sum insured {{model.dwelling.contentValue | hkCurrency: 'True' }}
Household property Sum insured {{model.dwelling.contentValue | hkCurrency: 'True' }}
Household property Sum insured {{model.dwelling.contentValue | hkCurrency: 'True' }}
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  • Property situated in the home: furniture, clothes, home appliances, electronic devices, lighting fixtures, etc.
  • Property on the balcony, terrace and indoor storage spaces – insured in the All Risk and Classic package to the extent of 10% of the total household property insurance sum.
  • Items taken outside the home (for example: camera, bicycle) – insured in the Classic package in Estonia only and in the All Risk package in all European Union member states, Iceland, Liechtenstein, Norway and Switzerland.
  • Smart devices – purchased in the last 24 months, insured European Union member states, Iceland, Liechtenstein, Norway and Switzerland only in the All Risk package.
  • The precise insurance coverage range is described in the insurance terms and conditions
  • Property situated in the home: furniture, clothes, home appliances, electronic devices, lighting fixtures, etc.
  • Property in the auxiliary buildings, yard, balcony and terrace – insured in the All Risk and Classic package to the extent of 10% of the total household property insurance sum. The Main package covers only property in the auxiliary buildings to the extent of 10% of the total household property insurance sum.
  • Items taken outside the home (for example: camera, bicycle) – insured in the Classic package in Estonia only and in the All Risk package in all European Union member states, Iceland, Liechtenstein, Norway and Switzerland.
  • Smart devices – purchased in the last 24 months, insured European Union member states, Iceland, Liechtenstein, Norway and Switzerland only in the All Risk package.
  • The precise insurance coverage range is described in the insurance terms and conditions
  • Property situated in the cottage: furniture, clothes, home appliances, electronic devices, lighting fixtures, etc.
  • Property in the auxiliary buildings, yard, balcony and terrace – insured in the All Risk and Classic package to the extent of 10% of the total household property insurance sum. The Main package covers only property in the auxiliary buildings to the extent of 10% of the total household property insurance sum.
  • Items taken outside the home (for example: camera, bicycle) – insured in the Classic package in Estonia only and in the All Risk package in all European Union member states, Iceland, Liechtenstein, Norway and Switzerland.
  • Smart devices – purchased in the last 24 months, insured European Union member states, Iceland, Liechtenstein, Norway and Switzerland only in the All Risk package.
  • The precise insurance coverage range is described in the insurance terms and conditions
  • Property situated in the cottage: furniture, clothes, home appliances, electronic devices, lighting fixtures, etc.
  • Property in the auxiliary buildings, yard, balcony and terrace – insured in the All Risk and Classic package to the extent of 10% of the total household property insurance sum. The Main package covers only property in the auxiliary buildings to the extent of 10% of the total household property insurance sum.
  • Items taken outside the home (for example: camera, bicycle) – insured in the Classic package in Estonia only and in the All Risk package in all European Union member states, Iceland, Liechtenstein, Norway and Switzerland.
  • Smart devices – purchased in the last 24 months, insured European Union member states, Iceland, Liechtenstein, Norway and Switzerland only in the All Risk package.
  • The precise insurance coverage range is described in the insurance terms and conditions
{{model.selectedPackage.liabilityPremium | hkCurrency: 'False' }}
Liability insurance Sum insured {{model.selectedPackage.liabilityLimit | hkCurrency: 'True' }}
Liability insurance Sum insured {{model.selectedPackage.liabilityLimit | hkCurrency: 'True' }}
Liability insurance Sum insured {{model.selectedPackage.liabilityLimit | hkCurrency: 'True' }}
Liability insurance Sum insured {{model.selectedPackage.liabilityLimit | hkCurrency: 'True' }}
Hide info More information
  • Liability insurance protects you in the event of loss that you have caused to others as the owner of an apartment. Besides damages we indemnify you for the necessary legal assistance and litigation expenses.
  • The precise insurance coverage range is described in the insurance terms and conditions.
  • Liability insurance protects you in the event of loss that you have caused to others as the owner of an house. Besides damages we indemnify you for the necessary legal assistance and litigation expenses.
  • The precise insurance coverage range is described in the insurance terms and conditions.
  • Liability insurance protects you in the event of loss that you have caused to others as the owner of an house. Besides damages we indemnify you for the necessary legal assistance and litigation expenses.
  • The precise insurance coverage range is described in the insurance terms and conditions.
  • Liability insurance protects you in the event of loss that you have caused to others as the owner of an house. Besides damages we indemnify you for the necessary legal assistance and litigation expenses.
  • The precise insurance coverage range is described in the insurance terms and conditions.
Selected

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Deductible {{calculateDeductible() | hkCurrency: 'True' }}
Bonus coverages:
  • {{coverage.name}}
Use redeem code
  • Flat Sum insured – restoration value House Sum insured – restoration value Cottage Sum insured – restoration value Semi-detached house Sum insured – restoration value
  • Household property Sum insured {{model.dwelling.contentValue | hkCurrency: 'True' }} Household property Sum insured {{model.dwelling.contentValue | hkCurrency: 'True' }} Household property Sum insured {{model.dwelling.contentValue | hkCurrency: 'True' }} Household property Sum insured {{model.dwelling.contentValue | hkCurrency: 'True' }}
  • Liability insurance Sum insured {{model.selectedPackage.liabilityLimit | hkCurrency: 'True' }} Liability insurance Sum insured {{model.selectedPackage.liabilityLimit | hkCurrency: 'True' }} Liability insurance Sum insured {{model.selectedPackage.liabilityLimit | hkCurrency: 'True' }} Liability insurance Sum insured {{model.selectedPackage.liabilityLimit | hkCurrency: 'True' }}
You have selected {{ p.title }}
  • {{r.title}} {{model.selectedPackage.items[r.code].text}} {{r.details}}
Bonus coverages:
  • {{coverage.name}}
Deductible {{calculateDeductible() | hkCurrency: 'False' }}

Additional buildings

Additional building {{$index + 1}}

Required

Required

Check the building year

If you insure on the internet, the building cannot be older than 50 years. In case you wish to insure the building older than 50 years, call us 777 1211 or send us e-mail: info@if.ee

Building year can not be in the future

Required

In If e-office you can insure buildings up to 345 m2. Property larger than 345 m2 is insures individually. Contact us, call +372 777 1211.

Required

Restoration value

Building type: {{ { value: building.type, items: buildingTypes } | hkListItem: 'key':'name' }}

Year of construction: {{ building.constructionYear }}

Area: {{ building.area }}

Building material: {{ { value: building.material, items: buildingMaterials } | hkListItem: 'key':'name' }}

You haven´t chosen any additional building

Purchase details

Policyholder is private person Policyholder is commercial client

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Check the code

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Only latin characters allowed

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Only latin characters allowed

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Check the e-mail address

E-mail too long, only 70 characters allowed

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Check the phone number

Check the phone number

{{ model.policyHolder.name | uppercase }} {{ model.policyHolder.surname | uppercase }}, {{ model.policyHolder.code }}
{{ model.policyHolder.email }}
{{ model.policyHolder.phoneNumber }}
Company representative

Required

Only latin characters allowed

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Only latin characters allowed

{{ model.authorizedPerson.name | uppercase }} {{ model.authorizedPerson.surname | uppercase }}, {{ model.authorizedPerson.code }}
Owners
Home in common ownership can be insured in the e-bureau only in its entirety. If you want to insure only the part of the house that belongs to you, call us at the Insurance Phone 777 1211.

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Check the code

Person with such ID code has been already entered

Required

Required

to {{model.endDate | hkDate }}

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Date not valid

Earliest available date: {{model.minStartDate | hkDate }}

Start date can not be bigger than 16.01.2025

calendar
Please note – policy will take effect on {{model.minStartDate | hkDate }}
Payment schedule
Nr. Payment deadline Amount
{{ $index + 1 }} {{payment.dueDate | hkDate }} {{payment.amount | hkCurrency: 'False' }}
Price per year: {{model.premium | hkCurrency: 'False' }}
Your discounts {{model.discount | hkCurrency: 'False' }}

Terms and conditions

I accept terms and conditions:

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If Insurance collects and processes data of policyholder, insured object and persons connected to the object according to the Privacy policy among other things: 1. to assess insurance risk and calculate insurance premium; 2. manage insurance policies and calculate indemnity; 3. contact policyholder and insured persons, also send personal offers, including renewals.
I agree that choosing to pay in 12 installments (monthly payments), I can only pay by bank card. If insurance does not send invoices by e-mail, they are visible in If self-service. If you prefer another payment method, please change payment schedule above.

Required

Payment

Choose payment option and start paying. Coverage will be in force after the payment has been made.

  • Pay with internet bank

    Pay with card

Paid with bill

I agree that If Insurance has the right to debit automatically the insurance premiums for the current insurance period from my bank card.

Important to know

  • In case of an accident at home we help you around the clock.
  • Damages caused by the leakage of pipeline is compensated only in the residential building and the sauna.

Read terms and conditions:

Classic package (Estonian)

All risk package (Estonian)

Liability insurance (Estonian)

General conditions

Home insurance product information document