Menu
Sign in/register
Subletting a home in Sweden can be a smart way to cover costs while you’re away — but before handing over the keys, it’s essential to understand how home insurance works. Who’s responsible for the insurance? What coverage do you need as a tenant or landlord? And how can you make sure both parties are protected in case of damage or accidents?
This guide breaks down Swedish home insurance rules for subletting, including the difference between tenant and landlord coverage, and how to avoid costly mistakes.
In Sweden, both parties should have their own insurance:
The landlord should keep their home insurance active to protect the property and fixtures.
The tenant (subletter) should have a separate hemförsäkring to cover personal belongings and liability.
If only one party is insured, neither is fully covered. For example, if a fire damages the apartment, your insurer might not compensate you if the other party’s negligence caused it and they’re uninsured.
To avoid problems, make sure to:
Contact your insurance provider before subletting
Get written confirmation of what’s covered
Ensure that your tenant to take out their own home insurance. We help you with this in the lease process.
A short email or document from your insurer confirming coverage can prevent major financial and legal issues later.
A home insurance generally has a couple of different parts of the insurance, one part that insures the property and another that gives you coverage when traveling. As the policy holder, the travel insurance covers you IF you are registered on the property. However, it does not cover your family members unless they are registered with Skatteverket as being a resident of the address (folkbokförd).
Do you need to buy expensive add-on insurance when you rent your home? What do all these "Trygghetsförsäkringar" and rental guarantees that you see on the Swedish rental market really mean?
What is expected in terms of inventory when renting a furnished rental in Sweden?
How are you taxed when you sublet a home in Sweden? It varies depending on the circumstances of your sublet. We have compiled frequently asked questions about how taxes are assessed.
Step by step guide on how to do your own move-in report when renting out a property in Sweden.
What are the important things to think of before turing over your rental in Sweden? Checklist of cirtical components in order to have a secure sublet by crossing the i's and crossing the t's.
What are the three critical components of all Swedish sublets. If you do these 3 things correctly, you will have increased your chances of having a smooth tenancy. Check the list!