Household Contents Insurance
Protect your personal belongings against unexpected risks and costly damage.
Protection for the belongings that make your home yours.
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 to cover repair or replacement costs.
Covered events
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Burglary
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Robbery
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Water damage
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Fire damage
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Storm & wind
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Hail
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Lightning
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Vandalism
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Details about the insured home
Customize coverage
Glass breakage coverage
Protect windows, mirrors & glass furniture
Senior discount
I am 50 years or older
Select your plan
Top Protection
Essential coverage for your belongings
Book your personal insurance consultation.
Get clear advice tailored to your situation. We'll explain your options, answer your questions and help you choose the right cover.
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.
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 whether household contents insurance is right for you? Anna explains everything you need to know about household contents insurance, clear and simple.
Still have questions? Contact our team directly.
A clear introduction to household contents insurance in Germany.
Frequently asked questions
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.
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.
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.
Household contents insurance covers the replacement value
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.
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