Building insurance
Switch to Fælles Forsikring and save an average of 3,120 DKK per year on your insurance!
– Sign up now, and we will contact you within 10 minutes.
What does buildings insurance cover?
If you own a hobby property or a disused farm, it's essential to have buildings insurance. This insurance covers damage to your property caused by fire, lightning and other similar events. You can customise your insurance by selecting different coverages to suit your needs. For example, you can choose fungal and insect infestation cover, which protects against damage caused by wood-destroying fungi or insects. In addition, you can include a second building damage cover that covers damage caused by storms or torrential rain.
Building insurance covers damage caused by:
- Fire, sooting, dry boiling and blasting.
- Lightning, explosion and short circuit.
- Electrical damage to fixed electrical installations and white goods.
It also covers consequential damage such as water damage after firefighting etc.
The property is covered by the coverages below:
- Theft and vandalism
- Storm (Cloud and thaw)
- Frost cracks
- Damage caused by snow pressure
- Collision and overturning or falling objects
- Water, oil and coolant leaks
- Other sudden damage
- Glass and manhole cover
- Homeowners liability
- Legal aid
View the terms and conditions for a better insight into what is covered in case of damage. (Danish)
Fungal and insect cover ensures you cover the costs associated with these types of damage.
- Covers the cost of repairing the building caused by mould.
- Covers consequential damage to the building as a result of the mould damage.
- Damage must be discovered and reported within the insurance period
Includes hidden building parts that you have not had the opportunity to maintain.
Includes damage to external underground services. This coverage applies to pipes that you have a duty to maintain and that connect the building to the main line in the road.
These pipes and cables are covered:
- Water pipes
- Heating pipes
- Gas pipes
- Oil pipes
- Drainage pipes
- Electrical cables
- Heating cables
Includes damage to external underground services. This coverage applies to pipes that you have a duty to maintain and that connect the building to the main line in the road.
These pipes and cables are covered:
- Water pipes
- Heating pipes
- Gas pipes
- Oil pipes
- Drainage pipes
- Electrical cables
- Heating cables
Extended building damage covers damage as a result of:
- Theft, vandalism and collision of landscaping.
- Pests such as mice, rats and martens.
- Cosmetic damage (The insurance covers 60% of the costs).
- Blowing snow.
- Malfunctions.
- Building materials
Extended rot damage cover includes damage to:
- Windows and doors.
- Conservatories and winter gardens.
- Cladding on residential buildings.
- Load-bearing structures in garages, carports and outbuildings.
Extended water damage covers damage if water enters the property as a result of something other than a cloudburst or thaw
For example:
- When water or emergency rain enters the building.
- Blowing snow.
- Rise of groundwater or sewage water.
- After leakage from visible installations such as radiators, aquariums and tanks.
- Covers water bills after covered damage to pipes and service lines, loss of water, oil and gas is also covered.
Building insurance
with great benefits
Get a 15% bundle discount
When you combine your home insurance with, for example, car insurance and another insurance policy.
Only one excess per claim
For claims involving multiple insurance policies, you only pay one excess.
Free choice of repairman for home insurance claims
You decide which repairman you want to hire for the job.
Frequently asked questions
Below, you can find answers to frequently asked questions. Additionally, you can download the terms and fact sheet for the
Building Insurance.
Building and home insurance are almost completely identical in both coverage and conditions. However, there are differences between the two types of insurance and you may well be wondering which one to take out for your home.
If your home has less than 100 square metres of outbuildings on the property, you should take out regular home insurance, but if this is exceeded, you should take out buildings insurance instead.
It is not a legal requirement for homeowners to take out building or home insurance. If you have taken out a mortgage with a bank, the lender will often require you to have at least fire insurance for your house. This ensures that the bank has money if the house burns down one day, but also gives you as a homeowner great peace of mind that you don't risk being left without a home and with a huge debt.
When you take out an insurance policy with us, the insurance terms and conditions and the price will be determined, among other things, based on the information entered on the policy. It is therefore important that the information is in accordance with the actual circumstances, otherwise it may in some cases affect the coverage of a claim and you risk receiving a reduced compensation. It's important to always make us aware of any changes to the way the house is heated, if the type of roof on the building is changed or in connection with remodelling, new builds and extensions. Of course, you are always welcome to contact us if you have any questions or if your policy needs updating.
Yes, it is important to inform Fælles Forsikring if you are rebuilding or expanding your home. Changes can affect your insurance cover and premium.
Yes, emergency damage assistance is available. For example, securing your home against further damage after a storm or temporarily repairing broken windows.
Yes, building insurance covers damage caused by natural disasters such as storms, floods and lightning.
Har du brug for hjælp?
Vi er her for dig!
Uanset om du har spørgsmål til din
Building insurance
, ønsker et uforpligtende tilbud, eller har brug for rådgivning, står vi klar til at hjælpe.
Kontakt os nemt via telefon eller e-mail – vi svarer hurtigt og sørger for, at du får den hjælp, du har brug for.
