Indbo

Indbo is a term used in Denmark and in some Nordic contexts to denote a person’s movable property kept in a dwelling. It covers household contents such as furniture, appliances, clothing, electronics, books, and other personal possessions used in daily living. It does not include the buildings or land themselves, which are referred to as real property or fast ejendom.

In insurance, indbo is the subject of household contents insurance (indbo-forsikring), which provides coverage for loss or damage to these items due to perils such as fire, theft, water damage, storm, or vandalism. Coverage can be arranged on a replacement-cost basis or an actual cash value basis, and high-value items like jewelry or art are often required to be scheduled separately with appraisals for full coverage.

In tenancy and housing law, the tenant’s indbo is typically considered the tenant’s personal property within the rented dwelling. The landlord’s responsibility generally relates to the building and structure, while the tenant arranges insurance to protect their indbo. In inheritance and probate contexts, indbo may refer to movable property that forms part of an estate and is transferred to heirs or beneficiaries.

Documentation and inventory practices are common for indbo: individuals may keep inventories with photographs, receipts, and serial numbers to facilitate claims, relocation, or estate settlements. The term is primarily used in Danish, with related forms in Norwegian and Swedish contexts; in English, indbo is often translated as household contents or household effects.