Insurance

Has there been an accident? Read below and find answers to the questions that might arise in case of an accident or unforeseen damage during your stay in a Landfolk holiday home.

At Landfolk we have an insurance with Gjensidige which covers sudden damages that happen during a rental period. The insurance covers holiday homes in Denmark, Norway and Sweden.

Frequently asked questions

For our hosts

With holiday homes in Denmark, Norway and Sweden. Holiday homes in Germany, France and Italy are not covered by Gjensidige.

If a guest causes damage during a stay in your Landfolk holiday home, our insurance will cover damage on your property. This includes a broken dining table, damaged TV, stained mattresses, visible and extensive scratch marks on doors from pets and broken valuables with an estimated value above DKK 1,000/NOK 1,000/SEK 1,000/€ 100.

Our supplementary insurance does not cover damage caused by fire, theft or damage caused by storm or water as well as fungal damage and missing objects. In these cases, please contact your own insurance.

You report the damage by contacting Landfolk at support@landfolk.com, and we will send you a damage report. Once you have completed and submitted the report together with images of the damage (and preferably original purchase receipts), Gjensidige will process it. If Gjensidige accepts your claim, Landfolk will help you collect the deductible of the guests.

Even if the damage does not exceed DKK 1,000/NOK 1,000/SEK 1,000/€ 100, you should still report the damage by reaching out to us at support@landfolk.com. Then the extent of the damage will be assessed. We will help you by contacting and charging the guest for compensation if you wish.

If you as a host are prevented from welcoming guests with already planned bookings due to an unforeseen damage caused by previous guests, your loss of rental income will be covered by the insurance.

Our supplementary insurance covers the buildings and objects that are covered by your own holiday home insurance in regard to the insurance policy. Your associated property like your boat, cano, ATV or similar vehicles are not covered by the insurance. You can read more in the terms below.

For our guests

Cleaning, utility costs and insurance are always included in the price. So during a stay in a Landfolk holiday home, you’re covered by Landfolk’s Allrisk insurance. That means that if you damage the property, you’re covered by a fixed low deductible of DKK 1,000/NOK 1,000/SEK 1,000/€ 100 per damage.

In Denmark, Norway or Sweden

You contact Landfolk as soon as possible at support@landfolk.com and describe the damage. We will make sure to contact the host, who is responsible for making a damage report to Gjensidige. If the damage results in a payment, your deductible of DKK 1,000/NOK 1,000/SEK 1,000/€ 100 will be claimed.

In Germany

You contact Landfolk as soon as possible at support@landfolk.com and describe the damage. We will make sure to contact the host, who is responsible for making a damage report to their insurance. If the damage results in a payment, your deductible of DKK 1,000/NOK 1,000/SEK 1,000/€ 100 will be claimed.

In Denmark, Norway and Sweden

As a guest, you have a fixed, low deductible of DKK 1,000/NOK 1,000/SEK 1,000/€ 100 per damage (depending on which country you have booked in). It provides security for you and for the host.

In Germany

As a guest, you have a deductible of € 100 when something happens in a German holiday home booked on Landfolk, but no supplementary insurance.