Are There Any Restrictions or Precautionary Rules? - Homeowner Insurance for Residential Houses 

Are There Any Restrictions or Precautionary Rules?

Where Is The Insurance Valid? - Homeowner Insurance for Residential Houses 

The insurance is only valid for residential property in Iceland.

Where Is The Insurance Valid? 

What are the insured's obligations? - Homeowner Insurance & Property Fire Insurance

What Are The Insured's Obligations?

When and how is the insurance paid for? - General

The insurance premium must be paid on the due date. Upon renewal, the annual premium is adjusted in accordance with changes in the index from the base index of the agreement. Vörður sends payment claims monthly to online banking services, or annually if the policyholder prefers to pay the premium in a single installment. 

It is possible to change the payment method via Vörður's online service, “My Pages.” There, policyholders can also choose to pay premiums using a credit card. 

When and how is the insurance paid for?

When does insurance coverage begin and how does it end? - General

Insurance contracts are generally valid for 12 months from the date of acceptance of the offer and issuance of the insurance, and premiums are based on the annual premium. If the insurance is not terminated within that period, it is automatically extended. 

When does insurance coverage begin and how does it end?

How is the insurance terminated? - General 

The insurance can be terminated at any time during the insurance period. 

How is the insurance terminated?

Information Document

Extensive and comprehensive protection for the property that covers unexpected disasters and accidents, such as leaks, storms, and burglaries. 

Víðtæk alhliða vernd fyrir fasteignina.

What Is Covered?

Homeowner insurance compensates for damage to the property itself, for example: due to water, fog, burglary, cloudbursts or thawing, damage to windows, and damage due to breakage or collapse of furnishings.  

Covers property damage such as leaks, storms, and burglaries.

What Is Not Covered?

Homeowner Insurance

Legal assistance insurance pays legal costs incurred in civil proceedings. The insurance is only valid if legal assistance is requested, and the lawyer then informs Vörður that they have taken on the case. 

Pays legal costs incurred in civil proceedings regarding the property.

Legal Assistance Insurance 

Pays compensation if the owner of the property is held liable for damage they cause to others, according to Icelandic laws on liability in tort. 

Pays compensation if the owner of the property is held liable for damage.

Liability Insurance

Homeowner Insurance for Residential Houses 

Property Insurance

Terms and Conditions

Vörður operates according to the various policies and rules that can be found here on the website.

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