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 (suppea, perus or laaja), 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 covers sudden and unforeseen damage, including an item breaking. Perus covers the events listed in the terms, such as fire, break-in and pipe leaks; suppea often only fire and storm.
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.
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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 (suppea, perus or laaja), 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, leaks, break-ins and vandalism. In a block of flats or a terraced house, the housing company’s property insurance covers the building and its structures and systems, but not the residents’ contents. So an owner-occupier insures their contents and the flat’s fixed interior, and a tenant insures their own contents. In a detached house the building itself is insured too, which is why the policy is clearly more expensive.
There are usually three cover levels. Laaja (comprehensive) covers damage caused by a sudden and unforeseen event, including an item breaking. Perus (basic) lists the covered events in its terms, such as fire, theft, break-in, robbery, storm and pipe leaks. Suppea (limited) usually covers only fire and storm damage. This calculator separates comprehensive cover from the narrower options.
The deductible is the amount below which a loss is not compensated, and it is subtracted from the payout. You choose it from the insurer’s options: in FINE’s example it is €200 for contents and €500 for the building. A higher deductible lowers the annual premium. The contents value and the region also affect the price.
Home insurance is not required by law, but a landlord may require it. For example, a SATO tenant commits in the tenancy agreement to keep home insurance in force for the whole tenancy. You can terminate the policy at any time in writing (Insurance Contracts Act, section 12). The safety instructions in the terms must be followed, as neglecting them can reduce or deny compensation (section 31).
Who insures what?
| Who | What they insure | With which policy |
|---|---|---|
| Housing company (taloyhtiö) | The building, its structures and systems such as heating, water, ventilation and electricity | Property insurance (kiinteistövakuutus) |
| Owner-occupier (osakas) | Own contents, the flat’s fixed interior and liability for damage to others | Home insurance (kotivakuutus) |
| Tenant | Own contents and liability for damage to others | Home insurance (kotivakuutus) |
| Landlord | The flat’s fixed interior and own contents in it | Home insurance or landlord insurance |
| Owner of a detached house | The building, contents and liability for damage to others | Home insurance including the building |
The housing company’s insurance does not compensate damage to residents’ contents. Ordinary home insurance does not compensate a landlord for lost rental income.
Cover levels: what they typically compensate
| Damage | Suppea | Perus | Laaja |
|---|---|---|---|
| Fire | Yes | Yes | Yes |
| Storm | Yes | Yes | Yes |
| Theft, break-in and robbery | Usually not | Yes | Yes |
| Pipe leak | Usually not | Yes | Yes |
| Sudden breakage of an item | No | No | Yes |
Laaja covers damage from a sudden and unforeseen event unless the terms exclude it. Damage that develops gradually, such as mould, is usually not covered at any level.
Example prices with this calculator’s model
| Example | Per year | Per month |
|---|---|---|
| Rental 40 m², contents €15,000 | €50–121 | €4–10 |
| Rental 60 m², contents €25,000 | €60–145 | €5–12 |
| Owned flat 60 m², contents €25,000 | €130–225 | €11–19 |
| Same flat, suppea or perus cover | €101–176 | €8–15 |
| Same flat, capital region | €146–252 | €12–21 |
| Same flat, €1,000 deductible | €107–185 | €9–15 |
| Detached house 130 m², contents €35,000 | €330–560 | €28–47 |
| Detached house 180 m², contents €50,000 | €415–705 | €35–59 |
Computed with this calculator’s formula and rounded to the euro. Insurers price individually, and the actual price may differ considerably.
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?
The law does not require home insurance, but a landlord may make it a condition of the tenancy agreement. For example, a SATO tenant commits to keeping home insurance in force for the whole tenancy. The housing company’s property insurance does not compensate damage to residents’ contents, so without your own policy you usually pay for damage to your belongings yourself.
What does home insurance cover?
Home insurance covers sudden and unforeseen damage such as fire, leaks, break-ins and vandalism to your contents, and in a detached house also to the building. Comprehensive (laaja) cover additionally covers an item breaking suddenly. Home insurance usually also includes liability cover for damage you cause to others and are legally liable for. The deductible and often an age deduction (ikävähennys) are subtracted from the payout.
What is the difference between suppea, perus and laaja cover?
According to FINE, laaja compensates damage caused by a sudden and unforeseen event. Perus lists the covered events in its terms, for example fire, theft, break-in, robbery, storm and pipe leaks. Suppea usually covers only fire and storm damage. An item breaking is usually covered only by laaja.
How does the deductible affect the price?
The deductible is the amount below which a loss is not compensated, and it is subtracted from every payout. A higher deductible lowers the premium because you carry more of the risk, and a lower one raises it. In FINE’s example the deductible is €200 for contents and €500 for the building. Choose it based on how large a sum you could pay after an unexpected loss.
Should I compare home insurance?
Yes. According to FINE, comparing your insurance can save money, and concentrating your policies with one insurer can bring loyalty benefits such as discounts. Compare not only the price but also the cover level, deductible, maximum payouts and age deductions, as terms differ between insurers. When switching, make sure there is no gap without cover.
Does the housing company’s insurance cover my belongings?
No. The housing company’s property insurance covers damage to the building, its structures and systems, but not damage to residents’ contents. In a water leak, for example, repairing the structures may fall to the company’s insurance and the resident’s belongings to their own home insurance.
What does home insurance usually not cover?
According to FINE, common exclusions are damage that develops gradually, such as mould and fungus, construction, manufacturing, usage and installation errors, damage caused by insects, pests and pets, and loss or theft whose place or time cannot be determined. The exact exclusions are in your own insurer’s terms.
What are safety instructions (suojeluohjeet)?
They are provisions in the insurance terms meant to prevent damage, for example burning candles only under supervision and closing the main water valve during a longer absence. If they are neglected intentionally or through negligence that cannot be considered minor, compensation can be reduced or denied (Insurance Contracts Act, section 31).
Can I cancel home insurance mid-term?
Yes. Under section 12 of the Insurance Contracts Act, the policyholder may at any time terminate the policy to end during the insurance period. Termination must be done in writing. If no end date is given, the policy ends when the notice has been given or sent to the insurer.
How long after a loss can I claim?
Under section 73 of the Insurance Contracts Act, you must claim within a year of learning about the policy, the insured event and its consequences, and in any case within ten years of the event. Reporting the loss counts as a claim. If the deadline passes, the right to compensation is lost.
What can I do if I disagree with a claims decision?
You can get free advice from FINE (Finnish Financial Ombudsman Bureau), which also resolves disputes free of charge; in insurance matters the recommendation is given by the Insurance Complaints Board (Vakuutuslautakunta). If you want to take the matter to court, the action must be brought within three years of receiving written notice of the decision and of this deadline (Insurance Contracts Act, section 74).