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MyHome Insurance, the home insurance of Pohjola Insurance, covers losses and damage to your home and contents of your home. Read imaginary examples of coverage situations and learn what your home insurance covers and which losses or damages are your own responsibility.
Below you find fictitious loss or damage situations involving MyHome insurance. We describe the situation and whether it is one in which the home insurance policy could be expected to cover the damage. Please note that every loss or damage will be dealt with case by case, and that the indemnifiability of the loss may vary according to the nature of the loss event.
Eddie is ironing his shirt in the kitchen, as he accidentally knocks his phone to the floor with his elbow. The phone falls screen down to the floor, and hits the tiled surface with a loud cracking sound. Suspecting the worst, Eddie turns the phone around, and yes, the screen is completely shattered. The phone is dead, and Eddie cannot bring it to life.
As a customer of Pohjola Insurance, Eddie takes the damaged phone to the nearest Fonum repair shop, and Fonum will submit the loss report as well as repair the phone. At Fonum, Eddie’s phone will also get a screen protector made of hardened glass to protect it from future damage. Eddie finds the nearest Fonum repair shop through the Pohjola Claim Help service.
The breakage and loss cover covers damage to or loss of property caused by an external event. Such events include a TV set or smartphone broken by a fall to the ground. The deductible of this cover is your choice in the range 150 - 1,000 euros.
Eliza is doing her laundry. She loads her dark laundry into the machine, but, having closed the lid, Eliza sees that the machine does not respond, and that the programme display remains dark. Eliza tries all the tricks in the manual, but none of them seems to work. The laundry machine is broken, and Eliza cannot start any washing cycle.
As a Pohjola Insurance customer, Eliza contacts Pohjola Home Appliance Advisor, which estimates the costs of repairing the appliance. Because repairing the appliance is not a viable option in Eliza's case, the Home Appliance Advisor replaces the broken appliance with a new one. At the same time, the Home Appliance Advisor takes care of the claim process for Eliza.
Eliza receives a discount from Pohjola Home Appliance Advisor on the installation of the new device, and the old appliance is taken away for free. Eliza finds instructions on what to do in the event of a home appliance breakdown and the contact information for Pohjola Home Appliance Advisor from Pohjola Claim Help.
The equipment breakage cover breakage of technical equipment, machines, or home appliances in your home occurring without any external reason as a consequence of an electrical phenomenon or a mechanical reason. The deductible of this cover is your choice in the range 150 - 1,000 euros.
Daniel is raking the lawn of his semi-detached house. In the kitchen, his dishwasher is busy coping with the dishes used at dinner yesterday evening. While Daniel is doing his gardening, the drain hose of the dishwasher suddenly and unexpectedly breaks, spilling water all over the tiled kitchen floor, and onto the parquet in the living room. The parquet absorbs some fluid before Daniel gets inside his flooded house. Seeing what has happened, Daniel immediately turns the dishwasher off, but the damage is already done. The parquet, soaked in water, has sustained serious moisture damage.
Daniel has chosen a MyHome insurance policy that covers home contents as well as parts of the flat. The damage to parts of the apartment is reimbursed under the pipeline leakage cover included in the MyHome insurance policy.
The pipeline leakage cover included in the home insurance policy covers leakage damage caused by water escaping from a building's fixed pipework or an operating device connected to it. The deductible of this cover is your choice in the range 150 - 1,000 euros.
Heidi’s and Josh’s daughter Liam is in the living room playing with his new toy digger. The digger is hard at work digging pretend holes around the room, and the parents don’t notice as the action briefly moves on from the floor up to the height of the TV set. While lifting another load of pretend dirt, Liam accidentally takes a swing at the TV pedestal, causing it to tip over the side of the stand. Out of balance, the TV set crashes to the floor with a loud bang. To the relief of the distressed parents, the startled child is not hurt, but the same can’t be said for the TV: the screen has a massive dent, and the pedestal has come off.
As Pohjola Insurance customers, the parents can contact Pohjola Home Appliance Advisor, which estimates the cost of repairing the TV. Because repairing the device is not a viable option in this case, Pohjola Home Appliance Advisor replaces the broken device with a new one. At the same time, the Home Appliance Advisor takes care of the claim process.
Breakage and loss cover reimburses when your property is lost or damaged as the result of an external event. The deductible of the cover is between 150 to up to 1,000 euros.
Susan is working remotely from home. A fully stacked dishwasher is swooshing away in the kitchen while Susan works in another room with her earphones on. The aged dishwasher overheats, and a small fire breaks out in the motor. At first, Susan does not hear the fire alarm in the kitchen, but she is quickly alerted by the smell of burning in the room. Susan races to the kitchen and sees smoke coming out from the dishwasher. She is able to turn off the machine and put out the fire, but notices that the fire has managed to also damage the floor and adjacent refrigerator.
Pohjola’s MyHome home insurance always includes fire and natural phenomena cover. Susan lives in a flat in a block of flats, and has chosen insurance that covers both movable property and parts of the flat. As such, the home insurance will cover damage to both the dishwasher and refrigerator as well as to the floor.
Fire and natural phenomena cover compensates losses caused by fire, soot, explosion, heavy rain, storm wind, heavy hailstorm, lightning or whirlwind. The deductible for the cover is between €150 to €1,000. As our owner-customer, you are entitled to a deductible benefit of 250 euros for the cover, which means that your deductible may even be waived entirely. The cover also compensates damage due to exceptional freshwater or saltwater flooding.
Sonia and her family leave town to spend a relaxing weekend at their summer cottage. Returning home after a great weekend, the family notes that their outdoor barbecue has been tipped over, and the outdoor furniture lies scattered round the lawn. Taking a closer look at the situation, Sonia finds that the barbecue has been totally destroyed, and that the children’s locked bicycles have been stolen. The recently purchased robot lawnmower is also gone. The broken locks of the bikes is all that remains on the lawn.
Home insurance also covers property damage caused by theft or vandalism. See Pohjola Claim Help for instructions on what to do in various loss events.
Home insurance protects you against theft and vandalism.. Crime cover compensates losses caused by theft, robbery, burglary or vandalism. Crime cover also compensates damage caused by the theft of prams, outdoor furniture, locked bicycles or lawn mowers from outdoor premises. In the case of robotic lawnmowers, a PIN code is considered a sufficient lock. The deductible of this cover is your choice in the range 150 - 1,000 euros.
As an owner-customer of an OP cooperative bank, you get a 200 euro deductible benefit, which means that your deductible will be reduced by 200 euros. Depending on the deductible you chose for your policy, the deductible from crime cover might even be 0 euros.
Tom’s preteen son Oliver is kicking a ball with some friends of his. In the heat of the game, Oliver inadvertently kicks the ball too hard and too far, and it lands squarely on the windscreen of a neighbour’s Audi. A crack appears in the windscreen. The neighbour sees the damage, and demands that Tom pay the costs incurred by the damage to the windscreen.
The damage is compensated under the general liability insurance included in the MyHome insurance policy.
The general liability insurance covers losses or damage that you the policyholder or a person living permanently in your household inflicts on another person, or that person’s property. For the general liability insurance to cover the damage, the damage must not have been caused deliberately. If a child under 12 years of age caused the damage, the damage could be caused deliberately as well. If you suspect that an event that might be covered by a general liability insurance policy has occurred, please contact us first: we will determine your liability.
A hard autumn wind turned into a storm batters a large pine tree growing on the yard of Matt’s and Ashley’s detached house. The gusty wind pulls on the already sagging tree for a good while until the roots finally give in. The tree falls over against the roof with a loud thump and rolls off the building’s outer wall into the ground. The impact damages the detached house’s roof structures and breaks the study room window. The laptop computer on the table in the study is also damaged.
Pohjola MyHome Insurance always comes with fire and natural phenomena cover. As Matt and Ashley have opted for insurance for their detached house that covers both the building as well as movable property, their home insurance covers both the damage to the home’s structures and window as well as the laptop computer.
Pohjola MyHome Insurance fire and natural phenomena cover compensates damage caused by a sudden and unforeseeable gale, tornado, thundercloud downdraft or similar exceptionally strong wind or gust of wind. The deductible for the cover is between 150 to 1,000 euros. As our owner-customer, you are entitled to a deductible benefit of 250 euros for the cover, which means that your deductible may even be waived entirely.
The insurance covers standard fixed structures in the yard as well as root cellars, open shelters, light-built structures and buildings with a floor area of up to 12 m2, with the exception of sauna buildings. The insurance also covers movable property in the yard, such as outdoor furniture. However, storm damage to jetties and shoreline buildings and structures is not covered.
A mouse managed to get inside a holiday home to keep warm in the winter and decided to chew on the house’s wiring. The broken wires caused a fire that damaged the building’s structures, movable property and pipes.
Home insurance covers fire damage caused by rodent and hare bites. Home insurance also covers leakage damage if the insurance policy includes pipeline leakage cover.
The pipeline leakage cover included in the home insurance policy covers leakage damage caused by the breaking of a building's fixed pipework or an operating device connected to it. You can choose any sum between 150 and 1,000 euros as the deductible for the cover.
Teemu’s home has suffered water damage, and his apartment is uninhabitable while it is being repaired. He must temporarily move to another rental apartment and move some of his furniture into storage so that his apartment can be repaired.
If your home is uninhabitable due to a coverable loss such as fire or water damage, compensation for additional expenses arising from temporary housing are also paid from your home insurance. Insurance also covers the expenses caused by moving and storing home contents. The additional expenses of temporary housing are covered by both comprehensive and basic home insurance policies.
Good to know:
After a long day, Aino decides to spend the evening relaxing at home with her favourite book. Aino sits on the sofa and hears a crack. She has accidentally sat on her glasses, breaking them.
Aino files a loss report for the glasses. Soon, she receives a positive claim settlement decision from Pohjola Insurance and a payment commitment to our partner optician. At the optician, Aino only pays a deductible and the age reduction for the broken glasses. Our optician partner bills Pohjola Insurance for the remaining amount.
Learn more about Pohjola Insurance partners
Broken pair of glasses? See instructions in Pohjola Claim Help
Points to note
From breakage and loss cover, we pay compensation for losses if your property is damaged or lost due to a sudden and unforeseeable event. Breakage loss does not include a pair of glasses or sunglasses breaking in normal use through wear and tear, for example.
Home insurance does not cover the loss of a pair of glasses or sunglasses. If you lose your glasses or sunglasses while travelling, you may be compensated from your travel insurance.
Korvaamme särkymis- ja menetysturvasta vahinkoja, jos omaisuutesi vahingoittuu tai menetät sen jonkin äkillisen ja ennalta arvaamattoman tapahtuman vuoksi. Rikkoutumisvahingolla ei tarkoiteta silmälasien tai aurinkolasien rikkoutumista normaalissa käytössä esimerkiksi kulumalla.
Kotivakuutus ei korvaa, jos silmälasit tai aurinkolasit katoavat. Jos silmälasit tai aurinkolasit katosivat matkasi aikana, voit saada korvausta matkavakuutuksesta.
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)