How Does Insurance Work for Children with Two Homes?

Here's How Home Insurance Works

A child is covered by the home insurance at the home where the child is registered (their folkbokföring address) — including on the days they stay with the other parent. If for some reason there is no home insurance at the co-parent's home, a special rule kicks in: your home insurance covers your children under 18 whenever they are living with you. The same goes for the travel protection included in the policy. This special rule is identical across all Swedish insurance companies.

In a Bonus Family? Register at the Same Address

If the person who takes out the insurance is registered at a different address than the rest of the family — during a temporary stay elsewhere, for example — the policy does not cover all of you. Everyone must live at, and be registered at, the same address.

When Your Child Turns 18

After the 18th birthday, your child is still covered by your home insurance, but only at the registered address. So if an adult child moves back in with the other parent for a while, they need to update their registered address. Once the child moves into a home of their own, the parent's insurance no longer applies.

How Accident Insurance Works

All schoolchildren have accident cover during school hours and on the way to and from school. Private accident insurance, however, varies from company to company, so check what applies to your policy. With ICA's accident insurance, for example, you can insure children and bonus children who are registered at another address, as long as they live at home — up until they turn 25. One important exception: if the child isn't living with either parent for a period, for example to study or work, they need to take out accident insurance of their own.

Remember to Pay the Insurance Premium

Often one parent is listed on the child's insurance while the other handles the bills. After a separation, it's important that one of the guardians clearly takes over and keeps paying the premium, so the cover never lapses.