Home contents insurance generally covers household contents and movable property—that is, items that would come loose or fall out if the house were turned upside down. Building insurance, by contrast, covers damage to the building structure itself, including integrated white goods, window panes, and sanitary ware.

If you live in an apartment within a housing cooperative or condominium association, integrated white goods, window panes, and sanitary ware will nevertheless be covered under your NITO Home Contents Insurance. This is because the building insurance is not an individual policy, but one purchased by the housing cooperative or condominium association, often with a high deductible in the event of damage.

The same principle applies to legal expenses cover under home contents insurance. Legal expenses cover under a home contents policy applies when the insured is a party to a dispute concerning the apartment. If you live in a house, such a dispute would instead be covered under the building insurance policy.

The insurance applies at the member’s officially registered residential address in the Nordic region. It also applies:

• at the spouse’s residence in the event of a granted legal separation, until the estate has been settled, and for a maximum of one year from the date the separation was granted
• in an apartment or bedsit used by the insured or their children in connection with employment or education
• at a temporary place of residence in Svalbard
• during relocation, at both the previous and the new address throughout the entire moving period
• at a vacated residence where the insured has registered a change of address to a nursing home or residential care home.

Please note that, for NITO Home Contents Insurance Student, the insurance applies at the address registered with NITO under My page.

The insurance applies within the Nordic region to property that is temporarily removed from the insured location, including stored household contents. This also applies to items offered for sale or moved to a new residence.

Stored household contents are covered when kept in a building, or in a container located within a fenced and secured storage area, or in residential premises outside the insured location.

The insurance covers financial loss arising from the rental of all or part of the dwelling at the insured location, up to NOK 500,000. The tenant’s belongings are not covered.

Your belongings are covered for:

• Damage to household contents and movable property at the insured location caused by the tenant or the tenant’s guests
• Theft and misappropriation of household contents and movable property committed by the tenant or the tenant’s guests
• Compensation for lost rental income if the tenant fails to pay rent in accordance with the tenancy agreement
• Expenses incurred in connection with eviction 

Sudden damage to the policyholder’s own vehicle charging station, connected to a dwelling within a condominium association, is covered under NITO Home Contents Insurance without any sum limitation or deductible. 

Certain coverage provisions apply specifically to condominium properties because, under a shared building insurance arrangement, individual residents are not free to choose the deductible. The term condominium property refers to a dwelling that, together with other residential units, forms part of a condominium association with joint building insurance. 

When relocating within the Nordic region, the insurance covers theft of and damage to belongings at both the previous and the new address throughout the entire moving period, provided that the items are properly secured and packed during transport.

• Relocation carried out by parties other than a transport company, sports club, association, or similar entity is covered up to the applicable sum insured per loss event.
• Relocation carried out by a transport company, sports club, association, or similar entity is covered up to 40,000 NOK per loss event.

• Children who, owing to education or compulsory military service, reside away from the family home within the Nordic region are covered for the period during which they attend school or pursue their studies.
• Time spent in student accommodation away from home is regarded as a temporary absence from the home.
• Children who establish a permanent residence at their place of study - for example, by starting their own family and/or purchasing their own apartment - are not considered part of their parents’ permanent household. 
• There is no age limit for children who are temporarily living away from the residence.

An electric bicycle is treated as equivalent to a bicycle and is therefore covered on the same terms.

Theft of a locked bicycle or electric bicycle from a residential storage area within a building at the insured location, or from the policyholder’s private storage unit or another private building at the insured location, is covered up to the applicable sum insured.

Theft of a locked bicycle or electric bicycle outside the insured location is covered up to 50,000 NOK.

As of 1 January 2023, electric scooters are subject to the Norwegian Motor Vehicle Liability Act and are therefore not covered under home contents insurance. To use an electric scooter lawfully after 1 January 2023, it is therefore necessary to obtain at least third-party liability insurance for each electric scooter owned.

NITO Home Contents Insurance covers hearing aids for the following types of loss or damage:

• theft, water damage, and fire damage in the home
• accidental damage, both inside and outside the home, where accidental damage refers to damage resulting from a sudden and unforeseen external event
• damage resulting from robbery or assault outside the home.
• The insurance does not cover hearing aids that are lost, misplaced, or missing.
• Outside the Nordic region, the maximum sum insured is 40,000 NOK.
• The deductible is 2,000 NOK.
• If your hearing aid has been provided through the Assistive Technology Centre, NAV recommends taking out separate insurance for this assistive device.
• It should also be noted that, if you are a member of the Norwegian Association of the Hearing Impaired, compensation coverage for hearing aids is included in the membership arrangement.

All claims must be reported via www.tryg.no/meld-skade or by calling 55171920 (a priority number for NITO members).

The telephone service is available Monday to Friday, from 10:00 to 14:00.