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Elama home insurance protects your home and belongings.

Peace of Mind at Every Moment

Elama home insurance provides security for every home, whether it’s a city apartment or a countryside house. Our flexible insurance solutions protect you from unexpected losses, offering both property and liability coverage.

  • Green insurance – we replace damaged appliances with new energy-efficient alternatives.
  • Smart home insurance – discounts for homes equipped with smart security solutions.
  • Financial protection – coverage for payment methods, including protection against bank card fraud.
  • Extended coverage for landlords and tenants – we provide rental income guarantees and property protection for landlords, as well as emergency accommodation costs for tenants.
  • Flexible terms – choose the insurance coverage that best suits your needs.
  • 24/7 home assistance and fast claims handling – we support you in unexpected situations.

Take care of your home and belongings by choosing reliable home insurance.

 
Home Flex
Starting from

3.99*

  • Natural disaster
  • Fire
  • Water damage
  • Flooding
  • Theft
  • Vandalism
  • Accident
  • Total risk insurance
  • 24/7 Home assistance
  • Green indemnity
 
Home Max
Starting from

6.99*

  • Natural disaster
  • Fire
  • Water damage
  • Flooding
  • Theft
  • Vandalism
  • Accident
  • Total risk insurance
  • 24/7 Home assistance
  • Green indemnity

Add Additional Coverages to
Your Home Insurance:

  • 24/7 Home assistance:
    24/7 assistance is guaranteed, including blockage removal, water leak mitigation, frozen pipe issues, elimination of electrical faults and fire hazards, locksmith services, and other urgent damage prevention actions.
  • Green indemnity:
    Energy-efficient devices will be replaced with more efficient alternatives to promote sustainable energy consumption.
  • Card fraud:
    Up to €2,000 will be reimbursed for financial loss if bank card details fall into the hands of third parties and unauthorized transactions are made.
  • Property owner liability insurance:
    Up to the liability insurance coverage limit will be reimbursed for damages caused to neighbors, such as water leakage from the apartment or a tree falling from the property onto a neighbor’s building or vehicle.
  • Personal civil liability insurance:
    Up to the liability insurance coverage limit will be reimbursed for damages caused by the insured person or their family members to third parties. For example, if a child breaks a window, a pet bites someone, or a cyclist causes damage to a passerby.
  • Lessee’s liability insurance:
    Compensation is provided up to the liability insurance sum for damages for which the tenant is liable to the landlord.
  • Housing costs:
    Up to €6,000 will be reimbursed for temporary housing rent, moving expenses, storage of belongings, and increased utility costs if the living space becomes uninhabitable due to an insured event.
  • The loss of rental income:
    Up to €6,000 will be reimbursed for lost rental income during the restoration of a rental property that has become uninhabitable due to an insured event.
  • Damage caused by the lessee:
    Up to €15,000 will be reimbursed for damages to interior finishes and household belongings caused by the tenant or their family members due to intentional actions or gross negligence.
  • Rent guarantee:
    The rental guarantee covers up to 3 months or €3,000 of rental income if the tenant fails to pay the rent.
  • Lessee’s accommodation costs:
    Up to €1,000 will be reimbursed for temporary housing costs for up to one month if the rented living space is dangerous, uninhabitable, or if the tenant’s right to inviolability of home is violated.
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A much better experience

Flexible

Decide for yourself what you need or get the maximum range of protection.

Plain and simple

Confidence with a few clicks of a button and clear conditions.

Fast

We act fast and keep you up to date with everything.

Important information and terms and conditions

Before entering into a contract, please read the insurance terms and conditions and the information document.

Useful information

For the successful operation of insurance, it is important to understand its scope and limitations.

Do I have to pay the deductible for every incident?

We do not apply a deductible:

If the damage was caused by a third party (not you or a family member).

  • If you use the Elama Home Assistance service.
  • In the event of a large-scale fire.
  • When we compensate for housing expenses, lost rental income, or tenant accommodation costs.
  • If an external door or window glass breaks.

If you have been claim-free for at least two years, we reduce the deductible by half.

Is my property protected outside the home?

Yes, the insurance covers property at home, on the balcony, in the yard, in storage rooms, and worldwide.

  • Bicycles and other items must be properly locked.
  • Furniture, trampolines, grills, and robotic lawnmowers that are permanently stored in the yard or on the terrace are insured 24/7.
What to do if damage occurs at home?

If an unexpected insurance event happens in your home, follow these steps:

  • Prevent further damage – if possible, reduce the extent of the damage (e.g., stop a water leak, cover a broken window, turn off damaged electrical appliances). Need urgent help? Elama Home Assistance is available 24/7!
  • Notify the relevant authorities – if there is theft, vandalism, or another crime, inform the police. In case of fire, flooding, or any major accident, call emergency services.
  • Document the damage – take photos and/or videos of the damage and keep as much evidence as possible (e.g., damaged items, receipts, witness statements).
  • Inform the insurance company – report the claim to us as soon as possible:
  • Follow instructions – after submitting the claim, we will provide you with detailed guidance on the next steps. If necessary, we will arrange damage assessment and assist in finding a quick resolution.

Who is covered?

The protection for home belongings, card fraud insurance, and liability insurance also applies to your family members.
Family members include your spouse or partner living with you, as well as your children, parents, and dependents residing with you.

24/7 Home Assistance

Elama home assistance is free for Max home insurance customers and available as an additional coverage option for Flex home insurance customers.

We provide assistance in the following situations:

Home assistance is available 24/7 across Estonia.

Tel +372 641 0436

  • Water and Plumbing Issues:
    We clear blockages, stop water leaks, and assist in case of frozen pipes.
  • Water Damage Restoration:
    We dry and clean up water caused by flooding or water-related accidents.
  • Electrical Failures:
    We eliminate fire hazards caused by electrical system malfunctions.
  • Building Security:
    We cover broken windows, roofs, and other openings with temporary solutions.
  • Lock Systems:
    We repair or replace locks damaged by vandalism or theft.
  • Temporary Accommodation:
    We arrange housing if your home becomes uninhabitable.
  • Home Security:
    We prevent further damage and ensure safety for up to 24 hours.

View Elama products

With Elama insurance, it is easy to make the right choices.

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