Contents insurance add-ons in a new home

Add-ons on contents insurance

The basic cover on a contents insurance policy (indboforsikring) is almost the same from insurer to insurer: fire, water, burglary, liability and legal aid. The difference lies in the add-ons, and those are what a move often makes relevant: accidental damage when you carry the screen into the new house, electronics cover when the home office comes with you, and bicycle cover when the bike now stands in a shed instead of a locked basement. Sammenligner.dk measured what each add-on costs with each insurer in September 2026. The base price at your new address is covered in the guide to what contents insurance costs in your new home, and the overview of all the policies is in insurance when buying a home.

What each add-on costs, insurer by insurer

Look at the columns, not just the rows. Electronics costs from 227 to 903 kr. extra depending on the insurer, and accidental damage is free with Alka (already part of the basic cover) but costs up to 796 kr. elsewhere. This means the cheapest insurer without add-ons need not be the cheapest with them. Choose your add-ons first, then compare.

Contents insurance with add-ons, kr./year35-year-old, Copenhagen Ø, sum insured for contents 1.000.000 kr., excess 2.000 kr. Extra cost for each add-on on top of the basic price; the lowest extra cost in each column is highlighted. Sorted by basic price. Not measured: the insurer does not offer the add-on as a separate option, or the price could not be read in the measurement. Membership required: the insurer is member- or customer-owned, and the price requires that you are eligible for membership. LB Forsikring, Bauta and Runa are the same insurer, each with its own membership group.

Insurer	Basic cover	Accidental damage	Electronics	Bicycle	All three
Alka	2.042	0	+701	0	+701
TJM Requires membership	2.060	+101	+273	+441	+915
FDM Requires membership	2.361	+70	+227	+301	+697
Forsia	2.387	+614	+798	not measured	not measured
GF Forsikring Requires membership	2.839	+550	+703	+440	+2.165
Bauta Requires membership	2.884	+391	+391	+769	+1.557
LB Forsikring Requires membership	2.884	+391	+391	+769	+1.557
Tryg	2.934	+641	+465	+533	+1.736
Runa Requires membership	3.003	+391	+391	+769	+1.557
Popermo Requires membership	3.213	+465	+465	+906	+1.370
Topdanmark	3.225	+295	+668	+319	+1.568
Gjensidige	3.390	+502	+903	0	+1.405
Alm. Brand	3.505	+619	not measured	not measured	not measured
If	5.062	+796	+796	0	+1.230

Source: Sammenligner.dk pricing teamMeasured September 202614 insurersSee method and price index

Details on what each add-on covers and when it is worth the money: electronics cover, bicycle insurance and burglary.

The excess: the biggest lever you control yourself

The excess (selvrisiko) is the amount you pay yourself when you make a claim. If you go from 2.000 to 5.000 kr., the median price falls by 481 kr. a year; if you go to 0 kr., it rises by 629 kr. The maths is simple: if you save 481 kr. a year, after 6,2 years you have set aside the extra 3.000 kr. yourself. Whether that suits your finances depends on your buffer after the purchase. Read more about the excess on contents insurance.

Burglar alarm: a discount with some, nothing with others

If the new house has an approved burglar alarm, 8 of 14 insurers give a discount on contents insurance. The discount per year: Runa 568 kr., Bauta 546 kr., LB Forsikring 546 kr., Forsia 404 kr., Alm. Brand 311 kr., Popermo 277 kr., Gjensidige 214 kr., GF Forsikring 85 kr. The other 6 give no discount. Ask the insurer exactly which type of alarm they recognise before you buy one.

The practical side

Make a list of the most expensive things you are moving in with: TVs, computers, bicycles, jewellery, art. Check the limit for single items in the policy terms; expensive single items often have to be listed separately, otherwise they are only covered up to the limit. Jewellery and watches have their own limits with most insurers; see the rules for jewellery on contents insurance. If you have a home office with your employer's equipment, it is usually your employer's insurance, not yours. See what contents insurance costs without add-ons, and how to switch insurer when the cover at the new address has to be put together from scratch.

Phase 4 · Waiting for keys

Check prices at your new address

The insurance must be in place before the mortgage loan is paid out. Sammenligner.dk has measured the prices of buildings insurance, contents insurance and broadband, so you can see the difference at your own address.

Your new address

What do you want to check first?

Buildings insurance Save up to 5.460 kr./yearContents insurance Save up to 3.020 kr./yearBroadband Save up to 3.000 kr./year

The saving is the difference between the most expensive and the cheapest provider, measured by Sammenligner.dk in 2026.

You continue on Sammenligner.dk. The address is filled in; you enter your name and email there. BoligKlar may receive a referral fee. The price is the same for you.

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Alexandra HasleboFounder of BoligKlar

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What many people misunderstand

"Accidental damage" is not the same as "everything is covered". It covers the single, unexpected incident (the screen that gets dropped), not wear and tear, forgetfulness or animals gnawing. Electronics cover typically has an age limit for the equipment; check it in the policy terms. And the bicycle cover on a standard contents insurance policy has an upper limit that an e-bike or cargo bike easily exceeds; in that case the bike often has to be insured separately. Read what contents insurance covers before you add anything.