Home insurance for a detached houseThe best cover for your home and movable property
Home insurance just right for you
Your detached house is always insured for its true value, as our insurance takes into account the floor area and the building’s features. You do not need to determine the building’s value when taking out an insurance for a detached house as we will only assess it if a loss occurs.
We also cover the costs of temporary housing
If your home becomes unlivable due to a coverable loss, such as fire or water damage, you will be compensated for the additional costs of temporary housing. No additional deductible will be charged for the compensation - you only pay the deductible for the original loss.
Owner-customer’s deductible benefit EUR 200
As an OP cooperative bank owner-customer, you get a deductible benefit of up to EUR 200 for coverable losses arising from fire, natural phenomena or crime, lowering your deductible to as little as EUR 0. As an owner-customer, you also get discounts and earn OP bonuses from insurance policies.
Nearly 70,000 indemnified home losses each year
We cover your home against small and large losses. Our home insurance indemnifies nearly 70,000 losses each year.
Change your Pohjola Home Insurance to a new address
You can easily update your insurance policies by logging into www.op.fi and changing the place of insurance of your current policy.
Home insurance to meet your needs
Whether the loss at home is big or small, it is a nuisance and often causes extra expenses. A home insurance for a detached house covers both the building and your home contents in case of, for example, a sudden leakage loss, burglary or fire. You can tailor your home insurance to your needs, as you can choose the coverage and deductibles. You will get an Extended Home Insurance from your home insurance by including all covers we offer.
You can also take out home insurance for a detached house that is still under construction, based on the details of the house once completed. In such a case, enter the year when construction began as the year of construction. If you live in a single-family house, that is, a detached house owned by a housing company, insure your movable property and fixtures and fittings.
Insurance also for garage and other buildings in the yard
Many detached houses also have a garage or storage building in the yard. Buildings in the yard must be insured separately when their floor area is more than 12 square metres or their value more than 7,000 euros. A sauna building, on the other hand, will always need insurance of its own.
Home insurance for a detached house automatically covers root cellars and sheds of an area up to 12 square metres as well as other ordinary fixed structures on the yard area, such as fences and flagpoles, up to the sum of 7,000 euros.
General liability and legal expenses insurance included in your home insurance
It may happen that you or your family member causes losses or injuries to other people or their property by accident. Fortunately general liability insurance included under your detached house’s home insurance provides compensation if you cause loss to others for which you are by law liable. General liability insurance compensates when, for example, your child scratches a neighbour’s car with his or her bike, or your dog bites a passer-by.
Legal expenses insurance, included in the home insurance of a detached house, is available if you need to make a claim for costs of legal assistance related disputed and non-contentious civil cases and criminal cases. If is important that you make sure your legal expenses insurance continues uninterrupted when you move house or change insurance companies.
In most cases, we compensate home contents for up to 5,000 euros when they are temporarily outside your home.
We compensate home contents up to 1,000 euros if they are stolen from, for example, your car, trailer, boat or tent that is in the yard of your home, place of study or holiday home or a straight-line distance of 50 km from them.
If you have valuable jewellery, instruments or a camera with objectives, their value may easily exceed the 5,000 euro limit. If this is the case, your best choice is to insure important items with Valuables Insurance.
Benefits from Pohjola Insurance
You receive the following insurance benefits for prime customers when you have policies from at least three different product categories:
- 7% off home and other property insurance, personal insurance, continuous travel insurance and comprehensive motor vehicle insurance policies
- as our prime customer aged 18–27, a discount of 21% on nearly all insurance for home and family policies.
- free 40% increase in the sum insured under life insurance.
If you are also an OP cooperative bank owner-customer, you are entitled to an extra discount of 3% on most insurance products. The extra 3% discount for owner-customers cannot be combined with the 21% discount for young insurance customers.
Regardless of your number of policies or type of customer relationship, we always offer the following benefits:
- a 2.5% discount when paying your insurance bill in one instalment.
- a permanent 5% discount on life insurance purchased online.
- free life insurance for one year for parents of children under 12 month
Benefits for OP cooperative bank owner-customer
As an owner-customer, you get the following benefits regardless of your number of policies:
- OP bonuses you accrue will be used to pay insurance premiums*
- free 40% increase in the sum insured under life insurance.
- deductible benefit of 200 euros for MyHome Insurance.
- free Product Protection Insurance for purchases made using OP credit cards
*As our owner-customer, you earn OP bonuses, which are used to pay insurance premiums and banking service charges. OP bonuses are earned from insurance policies, loans, savings and investments, funds in your accounts, and purchases paid with OP-Visa using the credit function.
The product details on this page apply to the presently offered MyHome home insurance. The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks act as representatives of Pohjola Insurance.
To view the terms and conditions of your home insurance, visit the Omat vakuutukset (in Finnish) section in the op.fi service