Loans & insurance · home insurance
Home insurance calculator 2026 (estimate)
The annual price of home insurance depends above all on the home type. In a rental, only your own contents are insured, and the price is typically 60–145 €/year. In an owned apartment the price is often 100–250 €/year, and in a house 300–850 €/year, because the policy also covers the building. This calculator gives an indicative range based on your home’s details.
The price is also affected by the contents value, the cover level (laaja or suppea), the deductible and the region. Differences between insurers are large, so the calculator’s figure is a rough estimate, not an offer — request exact quotes from several insurers.
Home details
A house policy also covers the building, so it is more expensive.
m². Especially affects the house price.
Estimated value of home contents (furniture, electronics, clothes…).
Laaja also covers breakage/leak damage; suppea is more limited.
Estimated annual cost
€130 – €225/ year
Per month about €11 – €19
The calculator gives only an indicative price range based on typical market prices, not an actual offer. Insurers price individually, and the final price may differ. Request binding quotes from insurance companies.
What makes up the price of home insurance?
The price of home insurance depends above all on the home type. In a rental, only your own contents (furniture and belongings) are insured, and the price is typically 60–145 €/year. In an owned apartment the policy covers contents plus surfaces and liability, and the price is often 100–250 €/year; the housing company insures the building itself. In a detached house the building is also insured at its rebuild value, so the price often rises to 300–850 € a year. The price is also affected by the contents value, the cover level (laaja or suppea), the deductible and the region. A higher deductible lowers the price, and in the capital region the price is usually slightly higher.
What does home insurance cover and what sets the price?
Home insurance covers sudden and unforeseen damage such as fire, water leaks, break-ins and vandalism. A tenant’s and an apartment owner’s policy covers the contents and the home from the inside; a house policy also covers the building itself at its rebuild value. That is why a house policy is clearly more expensive than an apartment one.
The cover level affects both the price and the payouts. Basic cover (suppea) compensates the most common cases — fire, leaks and break-ins. Comprehensive cover (laaja) additionally covers sudden breakage and damage. Laaja is more expensive but more complete; for valuable property it is often justified.
The deductible is the amount you pay yourself for each claim. A higher deductible lowers the annual premium and a lower one raises it. Choose the deductible based on how large an unexpected expense you can cover yourself. The contents value and region also matter: in the capital region the price is typically slightly higher.
Home insurance is not required by law but is practically essential: with a mortgage, the bank usually requires at least fire insurance. Comparing insurance every 2–3 years pays off, and bundling home and car insurance with the same insurer often gives an extra discount.
Frequently asked questions
How much does home insurance cost?
A rental contents policy typically costs 60–145 €/year, an owned apartment policy 100–250 €/year, and a house policy 300–850 €/year because it also covers the building. The exact price depends on the contents value, cover level, deductible, region and insurer.
Is home insurance mandatory?
Home insurance is not required by law but is practically essential. With a mortgage, the bank usually requires at least fire insurance (for a house’s building). Even if voluntary, without it a fire or water damage can cause a loss of tens of thousands of euros.
What does home insurance cover?
Home insurance usually covers sudden and unforeseen damage — fire, water leaks, break-ins and vandalism — to contents, and in a house also the building. Comprehensive cover also includes breakage. The deductible is subtracted from the payout, and the payout is based on the value of the property.
What is the difference between basic and comprehensive cover?
Basic (suppea) usually covers fire, leaks, break-ins and natural phenomena. Comprehensive (laaja) additionally covers sudden breakage and damage and other cases more broadly. Laaja is more expensive but more complete; the choice depends on the value of your property and your risk tolerance.
How does the deductible affect the price?
The deductible is the amount you pay yourself for each claim. A higher deductible (e.g. 500–1,000 €) lowers the premium, because you take on more risk. A lower deductible (e.g. 200 €) raises the premium. Choose the deductible based on how large a sum you could pay in an unexpected loss.
Should I compare home insurance?
Yes. The price for the same home can differ by tens or hundreds of euros a year between insurers. Compare not only the price but also the maximum payouts, deductibles and cover levels. Bundling home and car insurance with the same insurer often gives an extra discount. Comparing every 2–3 years pays off.