Most people living in Sweden have home insurance, but not quite everyone. Home insurance does not only cover items kept in the home, such as furniture, clothing, household utensils, household appliances and consumer electronics. It also covers other items that the policyholder owns, rents or borrows for personal use. Home insurance can provide compensation in the event of theft or fire, for damage occurring while travelling, and if the insured is assaulted, faces a claim for damages or requires legal protection.
At present, it is estimated that nearly 97 per cent of the population in Sweden has home insurance. Thus, just over three per cent—up to 400,000 individuals—are without home insurance, which means that they lack, among other things, legal and financial protection both at home and while travelling. It is somewhat more common for men and people born abroad to lack home insurance.
This page is based on our report Insurance in Sweden 2016–2025.
