Your benefit bike is covered by Vapaus insurance from day one. Using your own home insurance is not possible.
Here's why: While you're leasing the bike, Vapaus (and the finance company) owns it. Once you redeem the bike and own it yourself, you could add it to your home insurance if you want extra coverage — but that's your choice.
Bottom line: Your Vapaus insurance covers theft, vandalism, and accidents in Finland and abroad. You're fully protected without needing to involve your home insurance policy.
For details on what Vapaus insurance covers, see Benefit bike insurance.