Get the right insurance

Everyone living or working in Sweden is covered by basic social insurance through Försäkringskassan, there for you when you get sick, injured, have kids, or retire. The state is there in case you need medical care, unemployment pay, pension or allowance for children. If you want extra coverage for your stuff or your home, you will need to pick and get it privately.

Different types of insurance - What’s included?

Home insurance

Everyone needs home insurance, regardless if you own or rent your home. A home insurance must include protection in case of:

• You damaging someone else's property
• Break ins or fire, damages to your home
• Accidents during travel
• You getting involved in litigation
• You getting attacked

The universal coverage of a home insurance makes it one of the most important ones.

Personal insurance

There are many different types of personal insurances, as an extra protection to the state issued coverage. Personal insurance is an umbrella term for everything covering health problems, accidents, loss of income and even life insurance.

Child insurance

Your children are in most cases insured through their school or daycare. In case something happens at, or to and from, school. It’s always a good to get a private insurance also, in case the child gets injured or sick. A child insurance should include financial coverage in case the child needs care in home or at a hospital but also if they need assistance with any disability. 

Car insurance

Every car owner has to have a traffic insurance, an economic protection for everyone involved in a traffic accident. If you want to insure your car in case of damage, break-in, or theft however, you will need to get an extra insurance. A car insurance can save your vacation if you get stranded on the side of the road needing to get towed or getting a rental.

Animal insurance

Our four legged friends are not protected by the same medical high cost protection as us. Visits to the veterinary can therefore become pricier than expected. By getting animal insurance you can rest assured knowing that your animal can get the care they need without needing to worry about the costs.

Motorcycle insurance

A motorcycle insurance covers you from economic damage in case something would happen to your bike. Different insurance companies offer varied solutions, with some you’ll even get psychological help after an accident.

Travel insurance

For accidents and health problems on your standard 2-week charter, your home insurance is sufficient. Travel insurances is your safety net in case you injure yourself or get sick abroad. If you're away for a longer period or doing especially risky activities you might want to get a more expansive travel insurance than the one included in your home insurance.

What is a “drulleförsäkring”?

The Swedish word “drulle” describes someone who is careless and clumsy. The drulle-insurance, also called all-risk-insurance, is for when you drop, lose or break stuff by just being a little too clumsy.