Home insurance's liability insurance and legal expenses insurance

Home insurance's liability insurance – insurance against loss or damage you cause accidentally 

Liability insurance as part of home insurance provides compensation if you as the policyholder or a person living permanently with you in the same household accidentally causes loss or injury to other people or their property. The deductible for liability insurance is EUR 150 and the sum insured is EUR 170,000. 

Compensation is payable under liability insurance provided that you are by law liable for the loss or damage and did not cause it deliberately or through gross negligence. Liability insurance will provide compensation for damage caused by your child under 12 years of age, even if the damage was caused deliberately. 

Home insurance's liability insurance in a nutshell

• Unless you agree otherwise when purchasing home insurance, liability insurance is automatically included in Pohjola Home insurance.

• Liability insurance provides cover for another person or his/her property against loss or damage that you cause accidentally. 

• The deductible for liability insurance is EUR 150 and the sum insured is EUR 170,000.

• Your liability insurance also covers loss or damage accidentally caused by persons living permanently in the same household with you.

• Liability insurance does not compensate loss or damage caused wilfully or through gross negligence. If the loss or damage is caused by a child under the age of 12, liability insurance also covers losses or damage caused intentionally

Home insurance's legal expenses insurance in a nutshell

• Unless you agree otherwise when purchasing home insurance, legal expenses insurance is automatically included in Pohjola Home insurance.

• Legal expenses insurance provides cover against legal expenses.

• The deductible for legal expenses insurance is 15% of the costs incurred (a minimum of EUR 200), and the sum insured is EUR 14,000.

• Your legal expenses insurance also covers persons living permanently in the same household with you.

How much does home insurance's liability and legal expenses insurance cost? 

Liability insurance and legal expenses insurance are automatically included in Pohjola Home insurance. Calculate the price for your home insurance at op.fi to find out the premiums for your insurance policies. Select your housing type and calculate the price of Pohjola Home insurance conveniently online.