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Because your home deserves premium protection
simple, flexible, and tailored to you.

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Protect your home differently. Your insurance should adapt to your lifestyle not the other way around.

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Comprehensive protection

Whether you're a tenant or an owner, choose meaningful coverage that fits you.

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Transparent pricing

Your rate reflects your needs pay only for the protection you select.

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What’s covered

Explore our essential and customizable guarantees.

Water damage. You're covered in case of leaks, burst pipes, or overflow from household appliances. Repairs to walls, ceilings, floors, and damaged elements are fully handled.
Storms, Fire & Natural Disasters. Damage caused by extreme weather—strong winds, hail, snow, floods—or fire is covered. Your home stays protected, even against the unexpected.
Personal Liability. If you—or a member of your household or a declared roommate—cause damage to others (physical or material), your policy covers the compensation.
Theft & vandalism (optional). In the event of a break-in or attempted burglary, your stolen or damaged belongings are reimbursed. This includes furniture, electronics, and any declared valuables.
Glass Breakage. Coverage for the replacement of glass elements in your home: windows, sliding doors, built-in glass panels—whatever the cause.
New-for-Old Reimbursement (optional). In case of a claim, your belongings are reimbursed at their usage value—plus up to 25% extra to offset depreciation. Replace better, more fairly.
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One need = one tailored insurance.

Whether you're a homeowner, tenant, or landlord, every home deserves personalized protection. Choose the plan that fits your lifestyle.

Homeowner Insurance.

For the place you call home. Whether it’s your first flat or forever home, we protect it from the unexpected.
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Renter’s Insurance.

A simple, affordable plan that follows you without the hassle. Move in with peace of mind.
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Landlord Insurance (PNO).

Protect your property, even if you don’t live in it. Peace of mind for you, security for your tenants.
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Our plans & pricing

Our offers are tailored to your home. No unnecessary extras, just the coverage you truly need, designed around how you live.

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Everything you need to know about our home insurance.
 Protecting your home, made simple.

Is home insurance mandatory?
Yes. It is mandatory for tenants, roommates, and condo owners.It is strongly recommended for homeowners of individual houses, even if not legally required.
What is personal liability coverage?
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Personal liability insurance covers bodily, material, or immaterial damage you or members of your household may cause to others (e.g. neighbors, third parties).

Can I choose my coverage?
Yes. With a flexible policy like Otherwise, you only select the protections that match your needs—no paying for unnecessary extras.
Are my roommates covered?
Yes—if they’re declared in your policy.

If not, they won’t be covered in case of a claim or liability incident.
Does the insurance cover theft?
Yes, if you’ve added the Theft & Vandalism option.

It covers stolen items as well as damage from attempted break-ins.
What is a deductible?
The deductible is the amount you’re responsible for in the event of a claim.

‍Example:
‍If your deductible is €150 and the damage costs €500, you’ll be reimbursed €350.

Ready to protect what really matters? Choose a clear home insurance designed to simplify life and secure your home, your way.

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Seamless protection, crafted for your peace of mind.

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