Property guide
Owner's defect insurance
in Denmark explained
Denne side er også tilgængelig på dansk: Ejerskifteforsikring forklaret →
What it covers
- Hidden structural defects not visible during the survey
- Damp damage not documented in the condition report
- Hidden defects in the foundation, roof or load-bearing structure
- Damage arising as a consequence of a hidden defect
What it does not cover
- Defects listed in the condition report (grey, yellow or red)
- Normal wear and tear — an ageing roof, creaking floors
- Cosmetic issues (discolouration, scratches, stains)
- Damage arising after you took ownership
- Defects you knew about but did not investigate
Basic vs. extended cover
Basic
approx. 7,000–15,000 DKK
- 5 years' cover
- Hidden structural defects
- Legal minimum standard
Extended
approx. 12,000–25,000 DKK
- Up to 10 years' cover
- Everything in basic
- Illegal building work
- Oil contamination on the land
- Illegal drainage outside the foundation
- Bathroom and toilet damage
What the seller must pay
By law, the seller must offer to pay 50% of the premium for the cheapest policy presented during the sale process.
Three things to do before you sign
- Get at least one quote on owner's defect insurance before signing — the seller needs a policy to refer to in order to pay their half
- Compare basic and extended — for properties older than 1970, extended cover is often worth the extra cost
- Take it out before the handover date — it cannot be added afterwards
Understand your condition report
Upload the tilstandsrapport to Elify. We explain every defect clearly — what it means, what it costs, and what the insurance will and won't cover.
Analyse my report free →Frequently asked questions
What does owner's defect insurance cover?
Hidden defects that existed at purchase but were not found by the surveyor. It does not cover anything in the condition report, normal wear, cosmetic issues, or post-purchase damage.
What is the seller obliged to pay?
50% of the cheapest policy presented. If they don't pay, they lose the right to limit their liability for hidden defects — you can claim against them directly.
What is the difference between basic and extended cover?
Basic (5 years, ~7,000–15,000 DKK) covers hidden structural defects. Extended (10 years, ~12,000–25,000 DKK) additionally covers illegal building work, oil contamination, illegal drainage and bathroom damage.
Can I take it out after moving in?
No. It must be taken out at or before the handover date. It cannot be added after the purchase is complete.
Does it cover yellow defects from the condition report?
No. All defects in the condition report — regardless of colour or K-classification — are excluded. They are known issues you take on when buying.