According to the Association of Estonian Insurance Companies (EKsL), insurance companies paid for 29,400 home insurance events last year. This included 1,700 liability insurance cases related to home insurance, where damage was mostly caused to a neighbor. If the average loss in home insurance was EUR 1,430, in liability insurance it reached EUR 1,720.

According to EKsL board member Andres Piirsalu, in Estonia a quarter of homes are uninsured and only half of homeowners have liability insurance. "The number of liability insurance contracts made together with home insurance has increased in recent years, but it is estimated that up to half of homes do not have liability insurance", said Piirsalu. "Causing water damage to neighbors was the most frequent case of liability insurance last year, as well as damage to neighbors during repair work", he added.

Last year, 438,600 home insurance contracts were concluded, including 325,700 with liability insurance. Total loss in home insurance was EUR 42 million and in liability insurance - EUR 3 million. The latest data from the Statistical Bureau of Estonia, show there are a total of 557,150 homes in Estonia in active use.