In furnished apartments Hoas has insurance for the property, fittings and furnishings, but the insurance does not cover your personal belongings. You are responsible for making sure that your own property is adequately insured throughout your stay.

We recommend checking whether your travel insurance covers your belongings against theft, loss and damage. If your travel insurance does not provide sufficient coverage, consider taking out additional insurance. It is also a good idea to have liability insurance in case you accidentally cause damage to the apartment or property.

Keep in mind that insurance may not cover damage caused by negligence or intentional actions. Insurance must also be in place before any damage occurs, so it is important to arrange sufficient coverage in advance.

We recommend arranging suitable insurance in your home country before travelling to Finland. Getting insurance after you arrive may be more difficult if you do not yet have a Finnish personal identity code, as insurance companies may need it to identify and register their customers.