{"id":22734,"date":"2025-10-22T00:34:56","date_gmt":"2025-10-21T22:34:56","guid":{"rendered":"https:\/\/moneyhub.ee\/?p=22734"},"modified":"2025-10-21T11:10:06","modified_gmt":"2025-10-21T09:10:06","slug":"home-insurance-estonia","status":"publish","type":"post","link":"https:\/\/moneyhub.ee\/en\/useful\/articles\/home-insurance-estonia\/","title":{"rendered":"Why you should consider home insurance in Estonia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22734\" class=\"elementor elementor-22734\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7efb58 e-flex e-con-boxed e-con e-parent\" data-id=\"5d7efb58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d40bf6 elementor-widget elementor-widget-shortcode\" data-id=\"32d40bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e4750ba e-flex e-con-boxed e-con e-parent\" data-id=\"1e4750ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a047e75 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"a047e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c9d99a elementor-widget elementor-widget-heading\" data-id=\"20c9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Read why home insurance is essential for Estonian homeowners. Protect your property, belongings, and finances from unexpected damage and liability.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b94166 e-flex e-con-boxed e-con e-parent\" data-id=\"18b94166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e8adb2 elementor-widget elementor-widget-image\" data-id=\"13e8adb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia.jpg\" class=\"attachment-full size-full wp-image-22738\" alt=\"Why you should consider home insurance in Estonia\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia.jpg 800w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-300x169.jpg 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-1024x576.jpg 1024w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-768x432.jpg 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-1536x864.jpg 1536w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-2048x1152.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19d502c4 e-flex e-con-boxed e-con e-parent\" data-id=\"19d502c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-175f64b5 elementor-widget elementor-widget-text-editor\" data-id=\"175f64b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><b>Why you should consider home insurance in Estonia<\/b><\/h1><p><span style=\"font-weight: 400;\">Buying a home is one of life\u2019s most exciting milestones.<\/span><\/p><p><span style=\"font-weight: 400;\">The anticipation of moving into your own property, decorating according to your taste, and making decisions without negotiating with landlords is genuinely thrilling.<\/span><\/p><p><span style=\"font-weight: 400;\">However, homeownership brings responsibilities that aren\u2019t always immediately apparent\u2014unexpected events, such as accidents or damage, can have significant consequences for homeowners.<\/span><\/p><p><span style=\"font-weight: 400;\">Failing to understand these responsibilities or not having insurance can lead to serious consequences, including financial loss and difficulty recovering from such events.<\/span><\/p><h2><b>The reality of homeownership<\/b><\/h2><p><span style=\"font-weight: 400;\">As a homeowner in Estonia, you\u2019re now responsible for everything that happens within and around your property.<\/span><\/p><p><span style=\"font-weight: 400;\">A broken window needs fixing at your expense. A leaking tap that causes water damage to your neighbour\u2019s flat downstairs becomes your problem to resolve.<\/span><\/p><p><span style=\"font-weight: 400;\">These aren\u2019t just inconveniences\u2014they\u2019re financial liabilities that can quickly escalate.<\/span><\/p><p><span style=\"font-weight: 400;\">This is where<\/span><a href=\"https:\/\/moneyhub.ee\/en\/insurance\/home-insurance\/\"> <span style=\"font-weight: 400;\">home insurance<\/span><\/a><span style=\"font-weight: 400;\"> becomes invaluable.<\/span><\/p><p><span style=\"font-weight: 400;\">It provides financial protection against unexpected incidents, which can occur at any time, helping you manage the risks that come with owning property without the constant worry of potential costs.<\/span><\/p><h2><b>What is home insurance?<\/b><\/h2><p><span style=\"font-weight: 400;\">Home insurance is a safety net that protects you against accidents\u2014unintentional events that result in damage or injury related to your home and belongings.<\/span><\/p><p><span style=\"font-weight: 400;\">The word &#8216;accident&#8217; in the context of home insurance refers to unexpected incidents that are sudden and unintentional, such as fires, floods, or other mishaps that can cause loss or damage. It\u2019s designed to shield you from the financial burden of repairs, replacements, and compensation when life throws you a curveball.<\/span><\/p><p><span style=\"font-weight: 400;\">Here are some examples of accidents that may be covered by home insurance: whether it\u2019s a burst pipe flooding your kitchen, a fire damaging your property, or your child accidentally scratching a neighbour\u2019s car with their scooter, the right insurance policy ensures you\u2019re not left facing these costs alone.<\/span><\/p><h2><b>Understanding the different types of cover<\/b><\/h2><p><span style=\"font-weight: 400;\">Home insurance isn\u2019t one-size-fits-all. Understanding the<\/span><a href=\"https:\/\/moneyhub.ee\/en\/insurance\/home-insurance\/\"> <span style=\"font-weight: 400;\">different types<\/span><\/a><span style=\"font-weight: 400;\"> helps you choose the right protection for your circumstances:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Buildings insurance<\/b><span style=\"font-weight: 400;\"> covers the structure of your home\u2014walls, roof, floors, and permanent fixtures. This is essential if you own your property outright. If a storm damages your roof or subsidence affects your foundation, buildings insurance covers the repair costs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Contents insurance<\/b><span style=\"font-weight: 400;\"> protects your personal belongings\u2014furniture, electronics, clothing, and valuables. If you turned your home upside down, everything that would fall out is typically covered. This is relevant whether you own or rent your home, as your landlord\u2019s insurance won\u2019t cover your possessions.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liability insurance<\/b><span style=\"font-weight: 400;\"> is perhaps the most overlooked yet crucial component. It protects you when you\u2019re legally responsible for injury to others or damage to their property. If a visitor slips on ice outside your home, or water from your flat damages a neighbour\u2019s property below, liability insurance covers medical expenses, repair costs, and legal fees. In Estonia\u2019s apartment buildings, this protection is particularly important given the close proximity to neighbours.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comprehensive cover<\/b><span style=\"font-weight: 400;\"> combines these elements, offering all-risk protection for both your property and belongings. It\u2019s often more cost-effective than purchasing separate policies and simplifies the claims process.<\/span><\/li><\/ul><h2><b>Why Estonians should consider home insurance<\/b><\/h2><h3><b>Protection beyond the mortgage<\/b><\/h3><p><span style=\"font-weight: 400;\">Whilst many Estonians purchase home insurance when required by their<\/span><a href=\"https:\/\/moneyhub.ee\/en\/money\/mortgages\/\"> <span style=\"font-weight: 400;\">mortgage<\/span><\/a><span style=\"font-weight: 400;\"> lender, as a borrower, you may be required to have insurance, but the need for protection shouldn\u2019t end once the<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/loans-guide\/\"> <span style=\"font-weight: 400;\">loan<\/span><\/a><span style=\"font-weight: 400;\"> is paid off.<\/span><\/p><p><span style=\"font-weight: 400;\">Older properties can be just as vulnerable\u2014if not more so\u2014to unexpected problems.<\/span><\/p><p><span style=\"font-weight: 400;\">The year of construction and renovation history are important factors in assessing your insurance needs, but age alone shouldn\u2019t determine whether you need cover.<\/span><\/p><h3><b>Real risks in Estonian climate<\/b><\/h3><p><span style=\"font-weight: 400;\">Estonia&#8217;s weather patterns bring specific challenges. Harsh winters mean burst pipes, ice damage from roofs, and slippery conditions that create liability risks. Storms can cause falling trees to damage property. These aren&#8217;t rare occurrences\u2014they&#8217;re predictable seasonal risks that make insurance practical, not optional.<\/span><\/p><h3><b>The true cost of &#8220;doing it yourself&#8221;<\/b><\/h3><p><span style=\"font-weight: 400;\">Some believe they can cover repair costs themselves, but this thinking overlooks the reality of modern repairs.<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s not just about buying new materials\u2014you need proper tools, professional expertise for many jobs, and time away from work. What initially seems manageable can quickly spiral into thousands of euros.<\/span><\/p><p><span style=\"font-weight: 400;\">Without insurance, you risk losing a significant amount of money if you try to handle major repairs on your own. Regular maintenance helps prevent problems, but insurance ensures you\u2019re protected when prevention isn\u2019t enough.<\/span><\/p><h2><b>Calculating your insurance needs<\/b><\/h2><p><span style=\"font-weight: 400;\">Determining appropriate cover requires honest assessment. Consider:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cost to rebuild your home entirely (not just its market value; the average cost to rebuild a home in Estonia should be factored in)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The replacement value of your belongings<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your location\u2019s specific risks (flood zones, storm exposure)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High-value items requiring additional cover (jewellery, electronics, bicycles)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your liability exposure (private house with public access versus an apartment)<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Online calculators and insurance experts can guide you through this process.<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s worth taking time to ensure your cover is sufficient\u2014being underinsured means paying premiums without adequate protection when you need it most.<\/span><\/p><h2><b>What to look for in a policy<\/b><\/h2><p><span style=\"font-weight: 400;\">Before signing any policy, carefully review the terms and conditions. Pay particular attention to:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Exclusions and exceptions<\/b><span style=\"font-weight: 400;\">\u2014certain events or damages that aren\u2019t covered. These exceptions may include explosion, normal wear and tear, damage from insufficient maintenance, and sometimes accidental damage (though this can often be added for an additional premium).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Excess amounts<\/b><span style=\"font-weight: 400;\">\u2014the portion you\u2019ll pay towards any claim. Higher excess typically means lower premiums, but ensure you can afford the excess if you need to claim.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coverage limits<\/b><span style=\"font-weight: 400;\">\u2014particularly for high-value items. Standard policies often cap payments for individual items unless you\u2019ve specifically declared them.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unoccupancy clauses<\/b><span style=\"font-weight: 400;\">\u2014most insurers restrict cover if your home is empty for more than 30 days. If you travel frequently, you\u2019ll need to address this with your insurer.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comprehensive or all-risk protection<\/b><span style=\"font-weight: 400;\">\u2014these policies typically cover sudden and unexpected events, providing broader protection against unforeseen incidents.<\/span><\/li><\/ul><h2><b>The insurance process in Estonia<\/b><\/h2><p><span style=\"font-weight: 400;\">The Estonian insurance system is well-established, with multiple providers processing millions of claims annually.<\/span><\/p><p><span style=\"font-weight: 400;\">During the application process, insurers collect information to evaluate your eligibility and coverage options. This data is collected from various sources and used to assess risk, calculate premiums, and automate contract decisions based on your personal and property details such as property age, location, security measures, and claims history.<\/span><\/p><p><span style=\"font-weight: 400;\">When you compare policies, consider both cost and the provider\u2019s performance record. The cheapest policy isn\u2019t always the best value if the insurer has poor claims-handling reputation. Many Estonians have saved hundreds of euros by switching providers, so it\u2019s worth<\/span><a href=\"https:\/\/moneyhub.ee\/en\/insurance\/traffic-insurance\/\"> <span style=\"font-weight: 400;\">comparing quotes<\/span><\/a><span style=\"font-weight: 400;\"> regularly, especially as premiums tend to rise each year.<\/span><\/p><p><span style=\"font-weight: 400;\">Interest rates and whether you arrange insurance through your bank or an independent provider can affect your total costs, particularly if bundled with your mortgage.<\/span><\/p><h2><b>Making a claim<\/b><\/h2><p><span style=\"font-weight: 400;\">If the unexpected happens, report the event to your insurer as soon as possible. Document everything with photographs or video, and gather any evidence of ownership (receipts, bank statements, photographs showing items before damage). Keep records of your maintenance efforts\u2014they can support your claim and demonstrate you\u2019ve properly cared for your property.<\/span><\/p><p><span style=\"font-weight: 400;\">Prompt reporting ensures claims are processed efficiently. Most policies require you to pay an excess, so check your policy documents for specific details.<\/span><\/p><h2><b>Comparing home insurance in Estonia<\/b><\/h2><p><span style=\"font-weight: 400;\">You\u2019ve heard the sayings: \u201cbetter safe than sorry\u201d and \u201ctake an umbrella in advance, often not needing it.\u201d These clich\u00e9s persist because they\u2019re true. Home insurance isn\u2019t about pessimism\u2014it\u2019s about practical protection.<\/span><\/p><p><span style=\"font-weight: 400;\">Your home represents a significant<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/investment-strategy\/\"> <span style=\"font-weight: 400;\">investment<\/span><\/a><span style=\"font-weight: 400;\"> and, for most Estonians, the bulk of their savings. Insurance protects not just the building and belongings, but your financial stability and peace of mind. The relatively modest annual premium guards against potentially catastrophic costs that could threaten your family\u2019s security. Home insurance helps<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/manage-personal-debt\/\"> <span style=\"font-weight: 400;\">protect families from financial hardship<\/span><\/a><span style=\"font-weight: 400;\">, ensuring that loved ones are not left vulnerable.<\/span><\/p><p><span style=\"font-weight: 400;\">Whether you\u2019ve just bought your first flat in Tallinn or own an older private house in the countryside,<\/span><a href=\"https:\/\/moneyhub.ee\/en\/insurance\/home-insurance\/\"> <span style=\"font-weight: 400;\">home insurance<\/span><\/a><span style=\"font-weight: 400;\"> is worth serious consideration. Don\u2019t miss out on coverage that could safeguard your family\u2019s future.<\/span><\/p><p><span style=\"font-weight: 400;\">Insurance can also help protect your income and overall financial well-being. The question isn\u2019t whether you can afford home insurance\u2014it\u2019s whether you can afford to be without it.<\/span><\/p><h1><br \/><br \/><\/h1>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adf47ca e-flex e-con-boxed e-con e-child\" data-id=\"adf47ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Read why home insurance is essential for Estonian homeowners. Protect your property, belongings, and finances from unexpected damage and liability.<\/p>\n","protected":false},"author":7223,"featured_media":22738,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-22734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-150x150.jpg",150,150,true],"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia.jpg",800,450,false]},"categories_names":{"21":{"name":"Articles","link":"https:\/\/moneyhub.ee\/en\/category\/useful\/articles\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia.jpg",800,450,false],"landscape":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia.jpg",800,450,false],"portraits":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia.jpg",800,450,false],"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-150x150.jpg",150,150,true],"medium":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-300x169.jpg",300,169,true],"large":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-1024x576.jpg",800,450,true],"1536x1536":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-1536x864.jpg",1536,864,true],"2048x2048":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/10\/Why-you-should-consider-home-insurance-in-Estonia-2048x1152.jpg",2048,1152,true]},"rttpg_author":{"display_name":"Maiko Markus","author_link":"https:\/\/moneyhub.ee\/en\/author\/maiko\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/moneyhub.ee\/en\/category\/useful\/articles\/\" rel=\"category tag\">Articles<\/a>","rttpg_excerpt":"Read why home insurance is essential for Estonian homeowners. Protect your property, belongings, and finances from unexpected damage and liability.","_links":{"self":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/22734","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/users\/7223"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/comments?post=22734"}],"version-history":[{"count":6,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/22734\/revisions"}],"predecessor-version":[{"id":22863,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/22734\/revisions\/22863"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/22738"}],"wp:attachment":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=22734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/categories?post=22734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/tags?post=22734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}