Moving in together in Sweden: Does your home insurance cover both of you?

Your insurer may require you to share a household, be registered at the same address and have the right names or number of people recorded in the policy schedule. First, check that both of you are covered from the right date. If either of you keeps a previous home, work out what insurance it still needs before cancelling a policy.

In this article, home insurance means Swedish hemförsäkring: cover that usually includes more than your belongings, such as personal liability and travel cover. The Swedish word sambo refers to a partner you live with as a couple and share a household with, without being married to each other. The advice and insurer examples below concern Swedish policies and rules.

When does your home insurance cover your partner?

Being covered under someone else's policy — medförsäkrad in Swedish — means you are insured under that policy's terms. You do not have to be the person who took out the policy to have cover.

For cohabiting partners, the starting point is often that you actually live together and share a household. But several details can matter:

• A shared household: you have a home and day-to-day household together, rather than simply sharing an address.
• Where you actually live: your living arrangements must meet the policy's requirements.
• Population registration: many insurers require you to be registered as living at the insured address. This is folkbokföring, registration with the Swedish Tax Agency, Skatteverket. It is more than changing your postal address.
• Notification and policy documents: your insurer may need to register the person moving in, update the number of insured people or add a name to the policy schedule (försäkringsbrev).

The Swedish Consumers' Insurance Bureau, Konsumenternas Försäkringsbyrå, explains how insurers' requirements differ (in Swedish). Read the section headed “Vem försäkringen gäller för” — who the insurance covers — alongside your policy schedule.

This is about more than furniture and clothes. Who is insured can also affect cover such as personal liability and travel insurance. For an overview, see our guide to what Swedish home insurance includes.

If and ICA Försäkring: different details need to be right

These two examples show why simply being told to “register at the same address” may not cover everything you need to check.

If: the main rule and an alternative for named residents

Under If's home insurance terms dated December 2025 (in Swedish), the policy covers household members who live with the policyholder and are registered at the insured address.

The terms also provide an alternative: people who do not meet the main rule can be covered if they are named as insured persons in the policy schedule and live permanently together with the policyholder at the insured address.

This is an important qualification to If's simplified page about cohabiting partners (in Swedish), which says both partners must be registered at the same address. If you have different registered addresses, ask If to confirm how the terms apply to your living arrangements. Do not assume that staying overnight a few times counts as living there permanently.

ICA Försäkring: check the number of people insured

Under ICA Försäkring's Hem policy terms dated 16 June 2025 (in Swedish), a policy for one person covers only the policyholder. If the schedule states a higher number, household members who share the same home and registered address are covered, up to that number.

ICA's page about cohabiting partners (in Swedish) says to contact the insurer and provide your partner's name and Swedish personal identity number (personnummer). This notification process goes together with the policy requirements about where you live, your registered address and the number of people insured. It is not the same as a general requirement for both names to appear in the schedule.

These examples refer to the versions of the terms stated above. Check which version applies to your policy.

Trying out living together: separate your own cover from cover for each home

If you want to try living together while one of you keeps a previous home, you need to answer two questions: what cover the person has, and what cover each property needs.

Start by explaining your plans to the insurer. Will you live together all the time or move between the two homes? Will the old flat be empty, used occasionally or rented out? Will furniture and other belongings stay there?

Keeping a policy at the old address does not, by itself, tell you how it covers you and your belongings in the new home. Equally, being covered under your partner's policy does not automatically remove the need to insure the old home.

A policy may include cover for both the old and new homes for a limited period when you move. Check what it covers, when that period starts and whether it applies to your arrangements. Temporary cover during a move should not be confused with ongoing cover for two homes.

If you rent out the old home, tell the insurer how it will be used. Ask specifically about belongings left there, any building cover or bostadsrättstillägg, and whether the rental requires a change to your insurance. A bostadsrätt is a home you have the right to occupy through membership of a housing association; bostadsrättstillägg is additional cover for the parts of the home for which you are responsible. Your tenant's insurance and your own do not necessarily serve the same purpose.

Your registered address must reflect your living arrangements

You should not choose a registered address to obtain a particular insurance arrangement. Skatteverket explains the rules for living at more than one address (in Swedish). The assessment takes account of factors such as your family, where you spend the night and how you use each home.

Calling a move a trial period does not, in itself, mean you can leave your population registration unchanged, as illustrated by a Swedish Supreme Court ruling on trial cohabitation (in Swedish). Establish the correct registered address, then ask the insurer to arrange cover that fits how you actually live.

Fictional example: Amir tries living with Elin but keeps his furnished bostadsrätt. They need confirmation of Amir's cover at Elin's home and of the insurance needed for his retained home. The fact that Elin already has home insurance answers only part of the question.

A partner and a lodger are different insurance situations

A lodger who rents a room without sharing a household with the person whose home it is should not assume they are covered by that person's home insurance. Having the same address and sharing a kitchen are not enough to establish that.

ICA's terms expressly exclude lodgers from its definition of household members. With other insurers, check how they define the people covered and whether a specific arrangement is possible. A lodger will generally need their own home insurance.

The definition of cohabiting partners under Sweden's Cohabitees Act (sambolagen) does not, on its own, determine who an insurance policy covers. You need to check the policy terms and your actual living arrangements. Sharing the rent therefore does not tell you everything about your insurance cover.

Checklist: what to do before either of you cancels a policy

Work through these steps in order, ideally before moving day.

1. Find both policy schedules. Check the insurer, policy number, address, type of home, cover and next annual renewal date. Find the terms that apply to each policy.

2. Compare the cover you want to keep. Look at excesses, travel cover, accidental damage cover (allrisk) and any specific payout limits. A lower premium may come with a different level of cover. Also check whether a valuable item has its own insurance or an add-on that needs to be dealt with separately.

3. Tell the insurer how your household is changing. Explain who is moving, when and whether either of you is keeping another home. Ask what details the insurer needs about the person moving in.

4. Update the insurance for your shared home. Check the number or names of insured people, the address and the type of home. Review the sum insured for your combined belongings. For a bostadsrätt, check the bostadsrättstillägg, including any collective cover provided through the housing association. For a house, check building cover too.

5. Get written confirmation. Ask who is covered and from what date. Check the updated policy schedule and ask the insurer to clarify any differences between the schedule and its written response.

6. Coordinate the cancellation. Once you have confirmed the shared cover and any remaining needs at the previous home, you can ask for the policy you no longer need to end on the appropriate date. Keep the cancellation confirmation.

Make sure both of you can access the current documents. That makes it easier to find policy numbers and contact details if something happens.

Fictional example: Nora moves in with Johan permanently and gives up her rented flat. They compare their policies and ask the insurer to confirm Nora's cover from the move-in date. They also clarify the cover needed until she hands back her old flat before coordinating the cancellation.

A message you can send to your insurer

We are moving in together on [date] at [address]. Can you confirm in writing that both [name] and [name] will be covered by the home insurance from that date? Do you need to update the number of insured people, name either of us as an insured person or add any other details? We are [keeping/leaving/renting out] the home at [previous address]. What cover applies at each address during the transition, and what do we need to arrange separately?

When can you cancel the other home insurance policy?

Swedish home insurance policies normally run for one year at a time. However, you can cancel earlier if the need for that insurance ends. Konsumenternas gives moving in with a partner as an example (in Swedish).

In practice, the person cancelling must first be covered under the shared policy and have addressed any remaining insurance needs. Moving to a new address does not always mean you no longer need the old policy.

Ask the insurer to confirm the end date and how it will deal with any premium you have already paid. Do not assume that the policy ends automatically or that it can be cancelled retrospectively from moving day.

Having two home insurance policies does not entitle you to double compensation for the same damage to property; see Chapter 6, Section 4 of the Swedish Insurance Contracts Act (in Swedish). At the same time, you may need two policies during a transition. Assess any overlap by what the policies actually cover, rather than simply counting the contracts.

Frequently asked questions about home insurance for couples in Sweden

Do both names have to appear in the policy schedule?

Not with every insurer. Some require people to be named; others use household membership, population registration and the stated number of insured people. Ask which requirements apply to you and check that the schedule contains the correct details.

Can we share home insurance if we have different registered addresses?

Some policy terms may allow this, but do not assume it is possible. If's rule described above for named people who live permanently with the policyholder at the insured address is one example. Ask the insurer to confirm the arrangement, while also following the rules on where you must be registered.

Do we need two home insurance policies while trying out living together?

Not simply because you call it a trial period. The answer depends on who is covered, where you actually live and whether another home or belongings still need protection. Explain the full arrangement to the insurer.

Will our home insurance automatically become cheaper when we move in together?

Removing a policy you no longer need may reduce your costs, but the premium for the policy you keep can also change. Compare your combined cost after updating the number of insured people, the home and the level of cover.

Review your insurance when your household changes

Moving in together is a good time to bring your policy documents together and get a shared overview. See how insurAGI works and how the service can help you understand your insurance. Have the insurer confirm who is covered before cancelling any policy.