Real estate insurance - Denmark - If Skadeforsikring

Comprehensive protection
We offer a wide range of insurance coverage against unforeseen claims.
Top-rated claims handling
Feel safe. Our claims handling receives an average of 4.5 out of 5 from our customers.

A comprehensive property insurance

The real estate insurance applies to water damage, burglary damage, natural damage, and fire damage, as well as other damages that may affect the property.

Our real estate insurance provides you with comprehensive protection against various types of damages that can affect your warehouse, office, workshop, factory, residential building, or other types of properties.

The insurance includes e.g. protection for damage to heating and ventilation systems and clearing costs in connection with major damage. The insurance also pays costs for damage that has occurred around buildings belonging to the insured property or machine damage to, for example, the lift in buildings.

What is covered by real estate insurance?

Real estate insurance	Included
The insurance offers a wide range of protection against several damage events that can affect your property, such as damage that can occur in the event of a fire, storm, flood, water leak, burglary, robbery, or vandalism. Also, protection for certain unforeseen damages is included.	Included
With liability insurance, you get help if someone should claim you for damages for an injury that you have caused or is alleged to have caused. We help investigate whether damages are liable, negotiate and bring you action in a dispute or trial and pay any damages. The insurance covers several elements such as legal protection (even in the case of environmental crimes and work environment crimes), operational liability, damage to rented premises, etc.	Included
The insurance includes machine insurance that covers damage to any machine in the building, such as lifts, ventilation, and heating. If you own other machines or equipment in the building, we can also insure them against damage caused by, for example, fire, water damage, burglary or vandalism.	Included
Accident insurance for residents and visitors in public areas. The insurance provides extra protection against unforeseen events.	Included

Additions to real estate insurance	Additional coverages
If your property were to be damaged, you would likely have difficulty obtaining rent from your tenants. By taking out our supplementary insurance that compensates for lost rental income when you have had compensatable damage to your property, you can protect yourself against this. If you insure a residential building, insurance against loss of rent is always included automatically.	Included
The insurance covers decontamination of the property and movables in the event of pest infestation. In the event of an infestation by swamp insects, the insurance covers the decontamination and repair of damaged timber.	Included
In some properties, especially older ones, there may be expensive artistic embellishments or other cultural values. It can e.g. be a nice ceiling painting, an ornate staircase, or a particularly beautiful facade. In the event of damage, the property will be restored to normal standards. Therefore, it is wise to buy additional insurance to get reimbursement for the additional costs incurred to restore the artistic or cultural embellishments.	Included

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Additional coverage

Oil damage

Did you know that our apartment building insurance gives you protection against oil damage? It does!

If oil leaks out of a pipe system located in your building and damages your insured property, you have automatic protection for this in your regular apartment building insurance. This way you always have minimum protection for oil damage. Additionally, it is possible to extend the protection against oil damage through our supplementary insurance.

Do you want to know more about what compensation you are entitled to in the event of oil damage?

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Good to know about real estate insurance

Theft insurance is included
Theft insurance for machines and equipment available at your place of insurance is included. No additional insurance is needed and there is no risk that you will be without compensation. However, the compensation is limited.
Compensation in the event of weather-related damage
No limit on compensation for weather-related natural damage such as storms, hail, snow load, or flood.

Additional coverages

Accidents for employees

The insurance covers costs for medical care, hospital care, dental care, and travel in the event of an accidental injury and provides compensation in the event of disability, if a person employed by the company or association is injured in the event of an accident.

Assault protection

The insurance is a complement to accidents for the board and members during unpaid work. It can also be chosen as a complement to accidents for the employees. If someone uses violence or threats of violence and injures one of the insured board members, members, or employees, the insurance can pay damages for personal injury if the perpetrator is unknown or unable to pay.

Burn injuries and sickness

The insurance is a supplement to accidents for the company's or association's employees and provides compensation if the accident has resulted in sick leave of at least 25% for more than 30 days.

Crisis therapy

The insurance reimburses costs for crisis treatment if one of the company's or association's employees suffers a serious traumatic event at work. The insurance can be extended to complete accident insurance. The insurance applies without a deductible.

Health insurance

Being long-term ill is stressful for the affected. Especially if the care for the sick does not work as quickly and well as you would like. The company or association also receives costs for sick pay and fees for substitutes. With health insurance, sick leave can be reduced by giving employees quick access to high-quality private care.

Data crime insurance

The insurance gives you access to expert help that investigates what happened and restores systems and information that has been destroyed. We help you get started with the business as fast as possible in the event of an interruption and reimburse the costs incurred. We also reimburse costs that arise for monitoring that your customers' identities or credit card information are not stolen.

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