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
Claims within your own household
Example 1: You accidentally scratch your own car. Personal liability insurance doesn’t cover damage to your own belongings. Example 2: Your child knocks over your partner’s laptop. Since both are covered under the same policy, the damage is not insured. Claims between co-insured persons are excluded. However, personal injury between co-insured individuals is covered.
Normal wear and tear
After years of use, your apartment’s door handle becomes loose and eventually breaks. Gradual wear and tear is considered normal usage and is not covered by liability insurance.
Broken glass
Unlike scratches, broken glass in your household like a shattered window, is not covered by liability insurance. This kind of damage can optionally be insured through household contents insurance. However, glass damage that occurs outside your own household, for example at a friend’s home or your neighbour’s is generally covered.
Locksmith services
You lock yourself out of your apartment and need a locksmith. The cost for the service is not covered by personal liability insurance.
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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