Household contents insurance short summary

Household Contents Insurance

Insurance Provider: Adcuri

Plan

Living Space

Sum Insured

Glass Cover

Proceed

What's covered

AI GENERATED

Burglary

Your apartment is broken into while you're at work. The thief takes your laptop, camera, and jewellery. Your household contents insurance covers the cost to replace these stolen items.

AI GENERATED

Bicycle theft

You lock your bike outside a café with an approved lock. Later, it gets stolen - even though it was in a public area. Since it was properly secured, the theft is covered by your insurance.

AI GENERATED

Robbery

You're walking home when someone uses violence to snatch your backpack. The insurance covers the value of the stolen items, such as your smartphone and wallet.

AI GENERATED

Water damage

You forget to turn off the water while filling the bathtub, and it overflows, flooding your floor and damaging your carpets and electrical appliances. Your policy covers the repair or replacement of the damaged items.

AI GENERATED

Fire damage

A candle tips over and starts a fire in your living room. The flames damage your couch, TV, and curtains. The insurance pays to replace your destroyed furniture and electronics.

AI GENERATED

Storm & hail

During a heavy storm, strong winds blow open a window. Rain enters your apartment and ruins your carpet and wooden shelves. The damage is covered.

AI GENERATED

Lightning

A lightning strike causes a power surge in the building, destroying your TV and freezer. Your insurance covers the cost of replacements — including the food that was stored in the freezer.

AI GENERATED

Vandalism

After a party in your building, someone breaks into your basement and smashes your stored furniture. Your household contents insurance covers the vandalized items.

What’s not covered

AI GENERATED

Lost or misplaced belongings

Household contents insurance does not cover items that are simply lost, forgotten or misplaced. Protection applies when your belongings are damaged or stolen as a result of an insured event, such as burglary, fire, mains water damage or storm.

AI GENERATED

Property belonging to others

Household contents insurance primarily protects your own insured belongings. Property belonging to guests, friends or visitors is generally not covered unless it is explicitly included under the policy conditions or insured separately.

AI GENERATED

Electrical defects and blown fuses

Damage to electrical devices caused solely by internal defects, blown fuses or technical malfunctions may not be covered unless an insured event is the cause. Coverage may apply when the damage results from an insured risk, such as lightning or overvoltage caused by lightning.

AI GENERATED

Pipes inside walls or floors

Pipes installed inside walls, ceilings or floors are part of the building and are therefore not covered by household contents insurance. Damage to the pipes themselves is normally handled through the landlord’s or property owner’s building insurance. However, resulting water damage to your insured belongings may be covered.

Frequently asked questions

Difference between household contents– and personal liability insurance?

Personal liability insurance reimburses claims you have caused to a third party due to malpractice or negligence and provides protection against unauthorized claims by a third party. Household contents insurance covers damage to own and foreign mobile items and valuables in the insured own or rented household caused by vandalism, robbery, mains water, fire, smoke, wind, hail, lightning and burglary.

What is covered under "moving cost" listed in the household contents insurance

Do you have to move because the insured flat has become permanently uninhabitable due to an insured event, the insurance will reimburse the moving costs incurred within your area without limit.

Do I need a new household contents insurance when I move to another apartment?

No, in this case we can simply update your insurance policy. Just write us an email with your new address, the sqm of your new apartment and your desired sum insured and we will take care of the change.

In case of a claim, is the insurance covering the replacement value or the value of acquisition?

Household contents insurance covers the replacement value

Does HCI cover damages from water pipes inside the apartment, pipes inside the walls or the floor?

The damage to a pipe as described would be covered by the building insurance of the landlord. If there is damage to your household goods in this context, for example your sofa, this will be covered by the household insurance. If the mains water damages the floor of the rented apartment or drops down to the neighbor the building insurance and your personal liability insurance will be affected.

What are the termination notice periods?

The insurance is valid for 1 year, after the first year it is automatically renewed but can then be canceled on a daily basis if you leave Germany within the first year, you have a special right of termination. Overpaid premiums will be refunded in both cases.

Are there any specific requirement for the bicycle coverage?

Bicycles and the bicycle trailers must be secured with a separate bicycle lock against theft when you park them. Safety devices that are permanently connected to the bicycle, so-called "frame locks", are not considered as separate locks. You must obtain and retain proof of purchase, as well as other documents relating to the manufacturer, the brand and the frame number of the insured bicycle or trailer. Otherwise, the total compensation is limited to a maximum of EUR 150. It is also good to have pictures of you and your bicycle.

Are the windows of the apartment covered by household contents– or personal liability insurance?

It depends if the glass just has some scratches or similar damages, in this case it is covered by PLI. If the glass is broken it’s covered through the optional glass breakage insurance. Household contents insurance does not cover glass breakage.