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Housing cooperative and co-ownership insurance

The insurance is suitable for buildings that form part of housing cooperatives and condominiums. We tailor the insurance according to your needs and can offer a range of coverages.

Image of two apartment buildings

  • Anyone in a housing cooperative/co-ownership can report damage

  • Covers accidents during voluntary work, and children under the age of 12 playing in a playground

  • Up to 10% discount for customers with an installed stop valve

What is residential building insurance?

Residential building insurance, also known as housing cooperative and apartment building insurance, provides financial security for many people in a residential building, and is the main motivation for purchasing the insurance. Good insurance secures buildings and belongings in case something should happen, and expedites repairs after an accident has occurred.

Extra peace of mind with ancillary benefits

The co-ownership or housing cooperative can choose extra coverage that covers board of directors’ liability and legal assistance.

Product information

Residential property insurance and co-ownership insurance (PDF, Norwegian)

Up to 10% discount and reduced excess with a stop valve!

A stop valve is a system that detects leaks and shuts off the water in the apartment in your building/housing cooperative.

Make a forward-looking choice – invest in Abra Kollekt!

Read more

Does the housing cooperative or apartment building have a volunteer programme?

When you plan a volunteer programme, it can be difficult to know which tasks to prioritise. To help you along the way, we have created the Dugnadsguide

Download the dugnadsguide (PDF, Norwegian)Open the file in a new tab

What does residential building insurance cover?

FireStandardFully comprehensive

Fire

Have been selectedHave been selectedHave been selected

Natural damage

Have been selectedHave been selectedHave been selected

Occupational injury unpaid labour

Have been selectedHave been selectedHave been selected

Theft and vandalism damage

Have been selectedHave been selected

Snow weight and roof landslides

Have been selectedHave been selected

Crushed/cracked building glass and sanitary equipment

Have been selectedHave been selected

Failure of the building's construction

Have been selectedHave been selected

Accident involving volunteers and children under 12 years in playgrounds

Have been selectedHave been selected

Buildings with pipes and equipment

Selected sum insured

Selected sum insured

Common items in the housing cooperative/co-ownership

NOK 350 000

NOK 750 000

Landscaping

NOK 500 000

NOK 1 million

Loss of rent

20% of the sum insured up to 36 months

30% of the sum insured up to 36 months

Demolition/clearance/destruction

Up to the building’s sum insured

Up to the building’s sum insured

Price increase

Unlimited

Unlimited

Landlord liability

NOK 10 million

NOK 10 million

Public injunction

NOK 5 million

NOK 10 million

Value increase

15% of the sum insured in the agreement period

15% of the sum insured in the agreement period

Freestanding buildings, playground, cycle and postage installations

NOK 300 000

NOK 300 000

Water damage to adjacent/underlying rooms resulting from leaky wet rooms

Unlimited

Unlimited

Water damage caused by leaky roof

Unlimited

Artistic decoration

NOK 250 000

Machine damage

Unlimited

Board of Directors’ liability

NOK 2 million

Legal aid

NOK 400 000

Crime

NOK 400 000

Bed bugs

NOK 200 000

Pests

NOK 2 million

Consequential damages of builder’s errors for up to 10 years

NOK 10 million

Terms and conditions non-life insurance

See terms and conditions

Residential buildings insurance FAQ

More questions and answers

Our non-life insurance products

Provider of the insurance

The insurance is provided by Fremtind Forsikring. In order to give you an offer, calculate the price and buy insurance, DNB will transfer your personal data to Fremtind. You can read more about how Fremtind processes personal data in Fremtind’s personal privacy statement.