Information on home insurance

Home insurance's liability insurance and legal expenses insurance

Pohjola Home insurance always includes liability insurance and legal expenses insurance, unless you agree otherwise when buying a policy. Learn more about the liability and legal expenses insurance provided with your home insurance policy on this page.

Home insurance's liability insurance – insurance against loss or damage you cause accidentally 

Liability insurance as part of home insurance provides compensation if you as the policyholder or a person living permanently with you in the same household accidentally causes loss or injury to other people or their property. The deductible for liability insurance is EUR 150 and the sum insured is EUR 170,000. 

Compensation is payable under liability insurance provided that you are by law liable for the loss or damage and did not cause it deliberately or through gross negligence. Liability insurance will provide compensation for damage caused by your child under 12 years of age, even if the damage was caused deliberately. 

Examples of compensation under liability insurance

You can claim compensation under liability insurance if, for example

• you drop a valuable glass object in a shop and the object is damaged 

• you accidently knock over an expensive home cinema system while visiting your friend

• your child scratches a neighbour's parked car with his/her bicycle

• your child accidentally drops a computer while visiting a neighbour 

• a passer-by slips on the pavement of a house you have insured, causing the passer-by medical treatment expenses

• your dog bites a passer-by, causing him/her medical treatment expenses. 

 

Liability insurance does not cover, for example

• loss or damage caused wilfully or through gross negligence

• loss or damage caused to the policyholder or their family member

• loss or damage caused to an item or a vehicle borrowed by you or your family member

• loss or damage caused with a motor vehicle in traffic, a watercraft subject to registration or a sailing boat longer than 5.5 metres.

 

Home insurance's liability insurance in a nutshell

• Unless you agree otherwise when purchasing home insurance, liability insurance is automatically included in Pohjola Home insurance.

• Liability insurance provides cover for another person or his/her property against loss or damage that you cause accidentally. 

• The deductible for liability insurance is EUR 150 and the sum insured is EUR 170,000.

• Your liability insurance also covers loss or damage accidentally caused by persons living permanently in the same household with you.

• Liability insurance does not compensate loss or damage caused wilfully or through gross negligence. If the loss or damage is caused by a child under the age of 12, liability insurance also covers losses or damage caused intentionally

Home insurance's legal expenses insurance – insurance against costs of legal assistance

Legal expenses insurance as part of home insurance covers legal expenses you have incurred as a result of resorting to legal counsel in a disputed civil case, criminal case or non-contentious civil case concerning your private life. The deductible for legal expenses insurance is 15% of legal costs incurred, but a minimum of EUR 200. The sum insured under legal expenses insurance is EUR 14,000. You should note that, before court proceedings and in matters to be settled out of court, a maximum of 50% of the sum insured under legal expenses insurance is available. 

An insurance event under legal expenses insurance is a dispute or charges that have been raised during the validity of the policy. If the legal expenses insurance has been valid for less than two (2) years at the time, the matters on which the dispute is based or the charges that were raised must also have arisen during the validity of the insurance. It is important to ensure that your legal expenses insurance remains valid without interruption if you make changes to your home insurance or change insurance companies.

Examples of compensation under legal expenses insurance

You can claim compensation under legal expenses insurance in, for example, the following disputed civil cases or criminal cases:

• disputes regarding the sale or purchase of a home

• disputes related to the renovation of your house or summer home

• issues related to real estate ownership, such as boundary disputes and accretion land redemption disputes

• you are the injured party in a criminal case (e.g. assault, issues relating to integrity, defamation, thefts).

Legal expenses insurance does not cover expenses in, for example, matters that

• concern a divorce or property disputes or other claims connected with a divorce, separation or the termination of a partnership or marriage-like cohabitation

• are related to the custody or residence of a child, or maintenance liability or parental access

• involve you or your family member being charged by the public prosecutor

• are related to business or gainful employment, work or official post, or other main or ancillary wage-earning activity of the insured 

• are related to real estate, a building, or a flat which is other than your permanent home or holiday home. This restriction does not apply to buy-to-let homes if you and your family members own only one buy-to-let home

 

Home insurance's legal expenses insurance in a nutshell

• Unless you agree otherwise when purchasing home insurance, legal expenses insurance is automatically included in Pohjola Home insurance.

• Legal expenses insurance provides cover against legal expenses.

• The deductible for legal expenses insurance is 15% of the costs incurred (a minimum of EUR 200), and the sum insured is EUR 14,000.

• Your legal expenses insurance also covers persons living permanently in the same household with you.

How much does home insurance's liability and legal expenses insurance cost? 

Liability insurance and legal expenses insurance are automatically included in Pohjola Home insurance. Calculate the price for your home insurance at op.fi to find out the premiums for your insurance policies. Select your housing type and calculate the price of Pohjola Home insurance conveniently online.

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The product details on this page apply to the presently offered MyHome home insurance. The insurance is issued by Pohjola Insurance Ltd.

To view the terms and conditions of your home insurance, visit the Omat vakuutukset (in Finnish) section in the op.fi service

Move to Omat vakuutukset section (in Finnish)