Dansk Boligforsikring

What Dansk Boligforsikring does

Dansk Boligforsikring A/S is a Danish specialty insurance company founded in 2004 (operating under the brand Dansk Boligforsikring and headquartered in Holbæk, Denmark) that underwrites two narrow classes of residential property-transfer insurance: ejerskifteforsikring (home transfer insurance) and sælgeransvarsforsikring (seller liability insurance). The buyer-side ejerskifteforsikring policies — issued in a standard 5-year form and an extended up-to-10-year form — cover hidden structural damage and illegal electrical or plumbing installations not disclosed in the property's tilstandsrapport (condition report) or elinstallationsrapport (electrical installation report). The seller-side sælgeransvarsforsikring policies protect sellers for up to 10 years against residual liability for illegal building installations, illegal drainage, and ground contamination up to DKK 750,000. The product range is materialized as four SKUs (each policy type available for houses and apartments), and the company claims to be Denmark's largest ejerskifteforsikring underwriter.

The company's revenue mechanics are one-time premiums per policy, recognized over a multi-year contract (5 years standard, 10 years extended), rather than recurring annual premiums. Pricing is not publicly disclosed; customers request non-binding quotes via the website or by phone, with deductible levels standardized by Danish law (DKK 5,000–10,000 per claim). Customer segments are exclusively Danish residential property buyers and sellers of houses, apartments, summer houses, and cooperative housing. Go-to-market is direct-to-consumer via the website and dedicated customer and intermediary (formidler) portals, supplemented by referral partnerships with Danske Boligadvokater (Danish real estate lawyers) and other housing advisors, plus content marketing through an extensive FAQ library and editorial housing-market articles.

The business operates entirely within Denmark, with no foreign-geography activity described, and is subject to full Danish financial regulation. As a Danish-domiciled insurer, the company is covered by Garantifonden for skadeforsikringer (statutory guarantee fund), is a member of Ankenævnet for Forsikring (complaints board) and Forsikring & Pension (industry association), and is GDPR-compliant per its published privacy policy. Headcount is reported in the 101–250 range; ownership is private with no disclosed parent, and no funding rounds, M&A, or capital-markets activity are recorded. There is no proprietary technology platform and no AI/ML capabilities described; the operating model is document-and-portal based with traditional insurance operations.

Name

Dansk Boligforsikring

Legal name

Dansk Boligforsikring A/S

Website

https://danskboligforsikring.dk

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

Dansk Boligforsikring is a Danish specialty insurer underwriting ejerskifteforsikring (home transfer insurance) and sælgeransvarsforsikring (seller liability insurance) for residential property buyers and sellers across Denmark, claiming market leadership in its category.

Ownership category

akta.pro rank

Product category

Residential Property Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

Keywords

• Home transfer insurance
• Seller liability insurance
• Property transaction insurance
• Residential property insurance
• Danish housing insurance

Headquarters

HQ city

Holbæk

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Ejerskifteforsikring (Home Transfer Insurance): One-time premium payments from home buyers for insurance coverage lasting a minimum of 5 years (standard) or up to 10 years (extended). The policy is purchased at the time of property acquisition and protects against hidden defects not listed in the condition report or electrical installation report.
2. Sælgeransvarsforsikring (Seller Liability Insurance): One-time premium payments from home sellers for insurance coverage lasting up to 10 years, covering sellers against claims for illegal building installations, illegal drainage/storm drains outside the building, and ground contamination up to DKK 750,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Dansk Boligforsikring A/S is a Danish insurance company that sells ejerskifteforsikring (home transfer insurance) and sælgeransvarsforsikring (seller liability insurance) for residential property transactions. Policies are issued as one-time premiums at the time of property acquisition or sale, providing multi-year (5-10 year) coverage against hidden defects, illegal installations, contamination, and related liability exposure for buyers and sellers of houses and apartments in Denmark.

Product overview

Dansk Boligforsikring is a Danish insurance company specializing in home transfer insurance (ejerskifteforsikring) and seller liability insurance (sælgeransvarsforsikring) for residential property transactions. The company offers four core insurance products: two ejerskifteforsikring products (for houses and apartments) designed to protect buyers against hidden defects discovered after purchase, and two sælgeransvarsforsikring products (for houses and apartments) that protect sellers from legal liability for defects not covered by the buyer's insurance. All products are designed for the Danish housing market and operate under Danish legislation with full consumer protection.

Differentiator

Problem solved

Functional benefit

Products and services

• Ejerskifteforsikring - Hus (Home Transfer Insurance - House) Insurance for buyers of houses covering serious damage and illegal electrical and plumbing installations that do not appear in the condition report or electrical installation report. The policy runs for at least 5 years and protects buyers against hidden defects and unforeseen expenses following property acquisition.
• Ejerskifteforsikring - Lejlighed (Home Transfer Insurance - Apartment) Insurance for buyers of owner-occupied apartments and cooperative housing that covers hidden defects which can be costly to repair after the property transaction has been completed.
• Sælgeransvarsforsikring - Hus (Seller Liability Insurance - House) Liability insurance for sellers of houses covering them for up to 10 years against unforeseen expenses when damages are discovered after the property transaction is completed, including illegal building installations, illegal drain connections, and contamination of the property.
• Sælgeransvarsforsikring - Lejlighed (Seller Liability Insurance - Apartment) Liability insurance for sellers of apartments that provides coverage against legal claims related to hidden defects not covered by the buyer's home transfer insurance.

Quantifiable outcome

• In approximately 1 in 5 Danish home transactions, the ejerskifteforsikring comes into play.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Forsikring & PensioncoreOthersDansk Boligforsikring is a member of Forsikring & Pension (Insurance & Pension), the Danish insurance industry association. Membership obliges the company to follow recommendations and branch standards. This is a regulatory and self-regulatory affiliation that enhances consumer trust.
• Ankenævnet for ForsikringcoreOthersDansk Boligforsikring is a member of Ankenævnet for Forsikring (Insurance Complaints Board), which handles consumer complaints about insurance companies. Membership provides consumers with a formal redress mechanism.
• Garantifonden for SkadeforsikringercoreOthersAs a Danish insurance company, Dansk Boligforsikring is covered by the Guarantee Fund for Damage Insurers (Garantifonden). This fund protects policyholders if the insurer goes bankrupt, refunding unused premiums and paying out valid claims. This is a statutory protection provided to all Danish insurance companies.
• Danske BoligadvokaterminorChannel Partner/ Reseller/ DistributorDansk Boligforsikring maintains a referral/partnership relationship with Danske Boligadvokater (Danish Real Estate Lawyers), who guide clients through property transactions and may recommend the company's ejerskifteforsikring products.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Gjensidige Forsikring: Norwegian-headquartered insurer with Danish operations covering personal and commercial P&C lines. Comparable as a Nordic P&C carrier in the Danish market, particularly in home and property lines that intersect with the ejerskifteforsikring buyer/seller use case.
• LB Forsikring: Danish member-owned insurer offering residential property and household insurance. Comparable as a Danish-domiciled P&C carrier with consumer focus; could expand into property transaction protection given member base and home insurance capabilities.
• Tryg Forsikring: One of the largest Nordic insurance groups, operating in Denmark through Tryg DK. Competes broadly in property and casualty including residential home insurance, but lacks Dansk Boligforsikring's specialized focus on property transaction insurance like ejerskifteforsikring.
• If Skadeforsikring: Nordic P&C carrier (part of Sampo Group) with Danish operations. Comparable as another Nordic multi-line insurer with home insurance products that overlap the broader property transaction insurance space even though it does not specialize in ejerskifteforsikring.
• Topdanmark: Large Danish insurance company offering residential and commercial P&C products including home insurance. Comparable as a Danish-domiciled P&C carrier with full Garantifonden coverage, though it does not specialize in property transaction insurance.
• Codan (RSA/Intact): Major Danish property and casualty insurer with broad home insurance offerings including buyer protection products. Competes with Dansk Boligforsikring in residential cover and could expand into the ejerskifteforsikring niche given existing scale and distribution.
• Alm. Brand Forsikring: Danish bank-insurer offering residential and commercial property cover. Comparable as a domestic P&C carrier covering real estate transactions indirectly through home insurance products, but lacking Dansk Boligforsikring's transaction-specific focus.

Regional players

• Protector Forsikring: Norwegian specialty insurer focusing on niche commercial and personal lines in the Nordics. Comparable as a specialist Nordic carrier with similar niche-insurer positioning, though it operates primarily in Norway rather than Denmark.

Others

• GamDanmark (Garantifonden for skadeforsikringer): Statutory guarantee fund covering policyholders of Danish non-life insurers in case of insurer bankruptcy. Comparable as a key regulatory backstop that underpins consumer trust in specialty Danish P&C carriers such as Dansk Boligforsikring.
• Forsikring & Pension (brancheforeningen): Danish insurance industry association of which Dansk Boligforsikring is a member. Comparable as an industry body that shapes the regulatory framework governing ejerskifteforsikring and similar P&C products in Denmark.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/boligforsikring
• LinkedInlinkedin.com/company/dansk-boligforsikring-a-s

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dansk Boligforsikring