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Housing cooperative and co-ownership insurance

The insurance is suitable for buildings that form part of housing cooperatives and condominiums. We tailor the insurance according to your needs and can offer a range of coverages.

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  • Anyone in a housing cooperative/co-ownership can report damage

  • Covers water damage resulting from leaky wet rooms or leaky roofs

  • Covers accidents during voluntary work, and children under the age of 12 playing in a playground

What is residential building insurance?

Residential building insurance is also called housing cooperative and co-ownership insurance. It provides financial security for many housing associations and is the strongest motivation for taking out insurance. Good insurance covers buildings and property if something were to happen and speeds up repairs after an accident has occurred.

Extra peace of mind with ancillary benefits

The co-ownership or housing cooperative can choose extra coverage that covers board of directors’ liability and legal assistance.

Product information

Residential property insurance and co-ownership insurance (PDF, Norwegian)

What does residential building insurance cover?

FireStandardFully comprehensive


Natural damage

Occupational injury unpaid labour

Theft and vandalism damage

Snow weight and roof landslides

Crushed/cracked building glass and sanitary equipment

Failure of the building's construction

Accident involving volunteers and children under 12 years in playgrounds

Buildings with pipes and equipment

Selected sum insured

Selected sum insured

Common items in the housing cooperative/co-ownership

NOK 350 000

NOK 750 000


NOK 500 000

NOK 1 million

Loss of rent

20% of the sum insured up to 36 months

30% of the sum insured up to 36 months


Up to the building’s sum insured

Up to the building’s sum insured

Price increase



Landlord liability

NOK 10 million

NOK 10 million

Public injunction

NOK 5 million

NOK 10 million

Value increase

15% of the sum insured in the agreement period

15% of the sum insured in the agreement period

Freestanding buildings, playground, cycle and postage installations

NOK 300 000

NOK 300 000

Water damage to adjacent/underlying rooms resulting from leaky wet rooms



Water damage caused by leaky roof


Artistic decoration

NOK 250 000

Machine damage


Board of Directors’ liability

NOK 2 million

Legal aid

NOK 400 000


NOK 400 000

Bed bugs

NOK 200 000


NOK 2 million

Consequential damages of builder’s errors for up to 10 years

NOK 10 million

Residential buildings insurance FAQ

Our non-life insurance products

Provider of the insurance

The insurance is provided by Fremtind Forsikring. In order to give you an offer, calculate the price and buy insurance, DNB will transfer your personal data to Fremtind. You can read more about how Fremtind processes personal data in Fremtind’s personal privacy statement.

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Dronning Eufemias gate 30

0191 Oslo, Norway

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PO Box 1600 - Sentrum

0021 Oslo

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984 851 006

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