One of the most common reasons for a household or business to receive payment from an insurance policy is an “all risk” claim, which is covered by an all-risk policy. These policies, which are often included in home insurance, apply when the policyholder experiences a sudden and unforeseen accident. The policyholder may drop a camera on the ground when travelling, drop a mobile phone from a balcony or leave a wallet on the bus. In 2018 there were more than 305,000 all-risk claims. The insurance companies paid a total of more than SEK 1.4 billion in compensation for these claims.
However, the largest claims in terms of value were for fire and lightening damage and water damage. For claims caused by fire or lightening the total amount of compensation paid was just over SEK 6.4 billion, and for water damage just over SEK 3.9 billion.
Fires most often occur in dwellings
In 2018 there were 27,500 claims due to fire and lightening that were covered by home, house, holiday home, business and real property insurance.
For fire damage occurring in 2018 the insurance companies paid out a total of SEK 6.4 billion in insurance compensation. Claims incurred for fire damage vary considerably depending on the type of property that has been damaged and what it is valued at, as well as the extent of the damage.
Of the claims arising in 2018 only 3 per cent were caused by fires. However, the damage caused by fires accounted for 32 per cent of the total amount of claims payments.
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