What does home insurance cover?
Home contents insurance covers damage and theft of loose items you own and use in the home. Here you will find out what you need to look out for when choosing home contents insurance and how you can get the best possible terms and coverage.
Home contents insurance is often divided into basic and extended coverage, respectively. Which variant you choose affects what you are entitled to and how much is covered.
If your things are damaged or stolen, or they are exposed to fire and water damage, home contents insurance is valuable to have. If you do not have home contents insurance in such cases, you are at risk of not being covered at all.
What is home contents insurance and what does it cover?
Home contents insurance protects your valuable belongings at home from damage and theft. The insurance covers furniture, electronics, clothing and personal items in the event of fire, water damage, burglary and accidents. With the right home contents insurance, you get full compensation for damaged or stolen things, so you can safely replace what you have lost.
Examples of what home contents insurance covers:
- Furniture
- Clothes
- Electrical equipment
- Books
- Bikes
- Fitness Equipment
- Tool
- Money and securities
Things that are stored in the basement, attic and garage are also considered contents.
Items such as heat pumps, kitchen fittings, floors and integrated appliances are not considered household contents, but as part of the house. Damages and accidents related to these things are usually covered by home insurance, not home contents insurance.
NITO Home Contents Insurance
NITO Home Contents Insurance is among the very best on the market, with extra coverages and unlimited insurance sum at a member price - a bestseller among our members. It applies to your registered address.
Home contents insurance has different coverages
Which one is right for you? Not everyone necessarily needs all coverage. Below you can quickly get a picture of what the different coverages entail.
The different home contents insurance will vary from different providers. Therefore, you should always read the terms and conditions carefully to see what the insurance covers.
How much does home contents insurance cost?
Home contents insurance can cost anywhere from a 500 note to around NOK 4000 a year, depending on what coverage you need and which insurance company you choose.
There are many different insurance companies out there, and they may have different terms and conditions in their contracts.
When considering home contents insurance, it is therefore important that you review the terms and conditions to find out what the insurance covers, and how much it covers, if any, of the various items you own.
Then you avoid unpleasant surprises at a later date, if something should happen.
Check if you can save money on home contents insurance
If you are a trade unionist, you should also check whether the membership gives you good terms on insurance.
NITO and Tryg, for example, have joined forces and developed a unique insurance agreement for NITO members.
As a NITO member, you get extended home contents insurance at a member price. For 2025, the price is NOK 1848. If you have a discounted membership fee or are a student member, the price is NOK 924.