A thing worth considering when settling in Sweden is insurance. The social security insurance (provided by Försäkringskassan) covers a lot but not everything. It might therefore be a good idea to look into the different private insurance companies and what they offer.

Quick guide to Get home insurance in Sweden in Sweden (updated for 2025).

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There is no legal obligation to sign up for insurance. However it is strongly recommended to at least sign up for home insurance – so called hemförsäkring as this insurance will cover most cases of bad luck.

Home insurance – Hemförsäkring

This insurance usually covers:

• belongings in case of theft/fire/accidents
• liability and legal related expenses
• travel related costs

The home insurance is generally linked to your home and covers everyone who is registered – folkbokförd in that household. This is why you will need a Swedish personal number – personnummer, in order to sign up for a home insurance.

Companies that offer home insurance – hemförsäkring

All the major insurance companies offer home insurance. You can sign up for a home insurance online or visit any of their offices. Here we list some options for you:

• Hedvig* aims to disrupt the old insurance industry which they do by offering a fully mobile based insurance so that you get insurance that is fast, simple and fair. They also have options for rentals and students.
• ICA Försäkring* – Home and holiday house.
• Gofido* – Pay only for what you own, insurance amount is based on your accommodation, no fixed time.

Consult a comparison site

It is important to compare the prices between companies before you decided which insurance to go for. The price can differ a lot from one company to another. Make sure to check the conditions before making your choice. Here an online comparison service:

• Zmarta* – compare insurances for all sorts of needs. You can also sign directly on their website. t is free to use their website but you will have to answer a few questions in order to get deals that fit you.
• Compriser* – make comparisons to find the best deals for electricity contracts, bank loans, house mortgage and different types of insurance such as home, pet, child and car insurance. It is free to use their website but you will have to answer a few questions in order to get deals that fit you.

Make sure you have the best contract

A hot tip if you already have a phone contract, is to sign up to Påmind*. This is a free service that keeps track of a lot of different types of contracts and negotiates better prices. Types of contracts they handle are mobile subscriptions, electricity contracts, mortgages, car insurance, broadband, home insurance, private loans. According to Påmind, their users save an average of 2000 sek per year. So definitely worth a try.

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Further reading

• Work in Sweden guides
• Learn Swedish

FAQs

2025 Tax Quick Facts

• State income tax: Applies only above the annual threshold; see Skatteverket for current breakpoints.
• Municipal & regional tax: Average rate varies by municipality/region; see SCB for 2025 overview.

Official sources

• Skatteverket – Belopp & procent
• SCB – Local taxes

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