Household Contents Insurance
Protect your belongings against unexpected risks and costly damage.
What is household contents insurance?
Household contents insurance protects your personal belongings, from laptops and bicycles to furniture, jewellery and more.
If your items are stolen or damaged, the policy helps cover repair or replacement costs.
Covered events are:
Bicycle protection
Your bike is automatically covered, no need to pay extra.
Best benefit guarantee
Includes any claim covered by other German liability insurers.
Flexible duration
Stay in control, cancel daily after the first year.
Household Contents Insurance in Germany
Protect your furniture, electronics, bicycle and valuables from unexpected damage and costly losses.
1. Details about the insured home
2. Customize coverage
Glass breakage coverage
Protect windows, mirrors & glass furniture
Senior discount
I am 50 years or older
3. Select your plan
Top Protection
Essential coverage for your belongings
Why CAPE?
Best pre-selected coverage
Choose one of the best tariffs on the market, carefully selected to provide optimal protection.
Easy digital signup
Do you prefer a simple process? Everything is handled fully digital, no paperwork, everything in English.
Personal support
Your personal advisor is always at your side, ready to help with any questions or concerns.
What's covered
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
You know what’s covered – now secure what matters.
Enjoy the security of knowing your valuables are protected.
Let Anna explain
Not sure what’s covered or which option is right for you? Anna explains everything you need to know about personal liability insurance – clear and simple.
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Frequently asked questions
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