Housing

Get home insurance (kotivakuutus)

Home insurance covers your belongings in case of theft, water damage, or fire. It is inexpensive in Finland and often expected by landlords.

Before or shortly after moving in

Why this matters

Some landlords require it. It is also genuinely useful - Finnish winters can cause plumbing issues, and theft is a real risk.

How it goes

Finnish home insurance (kotivakuutus) is typically very affordable - around €10–20 per month. Major providers include If, Pohjola, LähiTapiola, and Fennia. You can compare prices at vakuutusvertailu.fi. The insurance covers your personal belongings and often includes liability cover and legal aid.

Good to know

Shop around - prices vary significantly between providers
Check if your employer or union membership includes home insurance
Some banks offer discounts if you also have a bank account with them
Renters insurance is distinct from building insurance which the landlord holds