Compare the top home insurance providers in Denmark — see cover, features and typical rates side by side.
18 live offers compared from 11 providers, from kr1500 /år. Updated daily.
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Home insurance in Denmark comes in two main forms. Contents insurance (indboforsikring) covers your belongings against theft, fire, water damage and similar events, and includes personal liability cover, while building insurance (husforsikring) covers the physical structure of a house. Renters and owners alike typically hold indboforsikring; only homeowners need husforsikring.
Contents insurance is treated as a near-essential purchase for any household, since it also provides the personal liability protection Danes rely on for everyday accidents. Building insurance is effectively required in practice for owners with a mortgage, as lenders insist the property securing the loan is insured against fire and major damage. Because Danish homes range from city flats to detached houses, insurers price each policy on the specific property and the value of the contents inside it.
Policies commonly bundle glass and pipe (rør) cover, and all carry an excess (selvrisiko) that you pay towards each claim. Premiums reflect the size and location of your home, the sum insured, the chosen excess and any add-ons such as accidental damage or extended water cover.
Home cover protects both your possessions and your finances:
Contents protection — indboforsigring reimburses belongings after theft, fire or water damage.
Personal liability — cover for damage or injury you cause to others is built into contents policies.
Building security — husforsikring protects the structure, satisfying mortgage-lender requirements.
Glass and pipe cover — common inclusions handle broken windows and burst-pipe water damage.
Decide whether you need contents only (renters) or both contents and building cover (owners). Set the contents sum insured realistically against the value of your belongings, and compare the excess (selvrisiko), since a lower excess raises the premium. Check which perils and add-ons are included, especially water and glass cover, and confirm the liability limit meets your needs.
Danish home cover is offered by Gjensidige Denmark, If Forsikring, Alm. Brand, Bauta Forsikring, RSA Forsikring, Topdanmark, Tryg and Alka Forsikring. Tryg, Topdanmark, Alm. Brand and Gjensidige are among the largest household insurers, If and RSA are established international names in the market, and Bauta and Alka serve specific customer segments with competitive contents and building products.
Contents insurance (indboforsikring) commonly starts from around DKK 1,500 per year, with the total depending on your sum insured, location and excess. Building insurance for a house costs more and scales with the property's size, construction and risk profile. Choosing a higher excess or bundling policies with one insurer can lower the premium, while adding options such as extended water cover or all-risks accidental damage increases it. It is worth reviewing the sum insured periodically so that valuable possessions remain fully covered.
Insurers are supervised by Finanstilsynet, the Danish FSA, and must meet conduct and solvency standards. If you dispute a claim decision, you can bring the case to Ankenævnet for Forsikring, the independent insurance appeals board, which offers a low-cost route to resolve disagreements before court.
Do renters need insurance? Contents insurance (indboforsikring) is standard and includes liability cover. Is building insurance mandatory? Not by law, but mortgage lenders effectively require it. What is selvrisiko? It is the excess you pay towards each claim. Are pipes and glass covered? Often yes, as common inclusions, though you should confirm on each policy. Can I hold both policies with one insurer? Yes, and bundling contents and building cover with a single company often earns a discount. What is the personal liability element? Contents policies include cover for damage or injury you accidentally cause to other people, which is a key reason indboforsikring is considered essential in Denmark.
The cheapest Home Insurance in Denmark is kr1500 /year from Topdanmark.
Giraffy tracks 5 home insurance products across Topdanmark,Alka Forsikring,Codan,GF Forsikring,Alm. Brand insurers in Denmark. The lowest tracked price is kr1500 /year. Premiums depend on your property type, rebuild or replacement cost, contents value, and local claims history — compare multiple quotes to find the best deal for your specific circumstances.
Buildings insurance covers the structure of your home — walls, roof, floors, and permanent fixtures — against events like fire, flood, or subsidence. Contents insurance covers your belongings inside the home. Many insurers offer combined buildings and contents policies, which is often better value than buying separately.
As a tenant, you're responsible for insuring your own belongings (contents insurance), not the building — that's the landlord's responsibility. Tenants' contents insurance covers your possessions against theft, fire, and accidental damage. Some policies also cover items outside the home.
Standard exclusions include: general wear and tear, damage caused by pests, mechanical breakdown, and damage due to poor maintenance. Flood and earthquake cover is often sold separately — especially in high-risk areas. Always check exclusions carefully — especially for high-value items like jewellery above a single-item limit.
The excess is the amount you contribute towards a claim before the insurer pays the rest. A higher voluntary excess reduces your premium. Make sure you could comfortably pay the full excess amount in an emergency.
Buildings cover should reflect the rebuild cost — what it would cost to demolish and rebuild your home from scratch — not the market value. These figures can differ significantly. Many insurers provide online rebuild calculators; a professional assessment is more accurate for unusual or period properties.