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By selecting Pohjola Home Insurance with all the covers we offer, you will get comprehensive protection for your home. Read below about the covers included in comprehensive home insurance customised from MyHome Insurance and further secure your home, regardless of your type of residence.
MyHome Insurance is an excellent cover for all homes, whether a flat, detached house with property, or semi-detached home, for example, is concerned. You can customise comprehensive home insurance from MyHome Insurance when you include all the home covers we offer in your plan.
Is your home already covered by Pohjola Insurance? The terms and covers of Extended Home Insurance, which is no longer available, may differ from MyHome Insurance as described in these instructions. You will see the terms of your home insurance by logging into the op.fi service and going to the My Policies section.
If your home is covered by home insurance that is no longer available, you can easily request an offer for MyHome Insurance online. By filling in the electronic invitation-to-tender form, you will receive information on the insurance policy we recommend for your home, the insurance premium, and how MyHome Insurance differs from your existing plan.
Comprehensive home insurance linked with MyHome Insurance consists of five covers that protect your home and housing from costs caused by minor and major losses. Unless agreed otherwise, you will also automatically receive general liability insurance and legal expenses insurance with your comprehensive home insurance if you have determined that the insurance at least covers the contents of your home.
You can read more about the comprehensive home insurance covers that can be included in your MyHome Insurance below.
When your home insurance has the most comprehensive possible cover, you are protected against accidents such as fire, natural phenomena and water damage, as well as burglary, broken household items, and other sudden and unforeseeable losses. See what covers are available for Comprehensive Home Insurance, and what coverage they offer.
Our pipeline leakage cover compensates losses resulting from leakage damage caused by water escaping from a building’s fixed network or a household appliance connected to it.
The deductible in pipeline leakage cover is €150–1,000.
Breakage and loss cover compensates when your property is damaged as a result of an external event, or you lose the property – for example, if a television falls when being moved or a pot of paint falls and paint is splashed on a brick wall. Under this cover, the insurance will never cover any damage or loss covered by any of the other types of cover mentioned above.
The price of comprehensive home insurance depends on a number of factors, such as the location and year of construction of the object to be insured, age of the policyholder, and the purpose of use of the insured apartment. The price of the comprehensive home insurance also depends on the covers you have selected, the maximum compensations and deductibles selected for the covers, the number of instalments you have selected, and any discounts you may have received from your other transactions.
You will see the price of the comprehensive home insurance and all factors affecting the price when you go to the Webshop to buy the insurance. The information you have entered will only be saved in connection with the purchase, so you can easily compare the prices of the home insurance before purchasing.
Lessors often require that the future tenant takes out comprehensive home insurance to cover the rented flat. You can select your housing type and easily cover the rented flat with comprehensive home insurance including general liability insurance online. When you have covered the rented flat with comprehensive home insurance, you can easily show the existence of the insurance to the lessor with OP-mobile’s automatically-downloading home insurance card.
The product details on this page apply to the presently offered MyHome home insurance. The insurance is issued by Pohjola Insurance Ltd.
To view the terms and conditions of your home insurance, visit the Omat vakuutukset (in Finnish) section in the op.fi service
Move to Omat vakuutukset section (in Finnish)
