Er husforsikring lovpligtig for ejerlejligheder?

Nej. Som ejer af en ejerlejlighed skal du ikke selv tegne en husforsikring , fordi bygningen normalt er dækket af ejerforeningens fælles bygningsforsikring.

Hvem står for forsikringen af selve bygningen?

Det gør ejerforeningen . Den fælles bygningsforsikring beskytter ejendommen mod skader som brand, storm, vandindtrængning og ødelagte fællesinstallationer.

Skal jeg så slet ikke tegne forsikring selv?

Jo. Du skal stadig have en indboforsikring , som beskytter dine personlige ejendele og indeholder ansvarsforsikring, hvis du kommer til at skade andre eller deres ting.

Hvad hvis der sker en skade inde i min lejlighed?

Skader på dine egne ting håndteres af indboforsikringen. Skader på bygningens konstruktion (fx vægge, rør, vinduer) håndteres typisk af ejerforeningens forsikring – men det afhænger af vedtægterne.

Skal man have husforsikring i ejerlejlighed?

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Skal man have husforsikring i ejerlejlighed?

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