Let’s talk about one thing you definitely don’t want to overlook—protecting your stuff.
Because accidents happen.
Ever wondered what would happen if…
- You dropped a box down the stairs while moving, and suddenly “fragile” really meant “broken”?
- Your sofa suddenly became a waterbed when the upstairs neighbor’s pipe burst?
- Your laptop became an unexpected victim when your upstairs neighbor’s bathtub overflowed?
- Or if your beloved guitar decides to run away with a burglar?
That’s where household contents insurance comes to the rescue.
But with so many options available, how do you choose the right one?
Well, in this post, we’ll share what we think are the top 5 options for the best household contents insurance in Germany.
But first, let’s get the basics out of the way:
What is household contents insurance?
Household contents insurance or hausratversicherung in German (don’t worry, we’ll stick to English), covers your personal belongings against risks like theft, fire, and water damage.
It saves the day when disaster strikes for renters and homeowners alike.
What does household contents insurance usually cover? Well, imagine you turn your apartment upside down: anything that falls down is covered.
For more details on how the policy works, check out our comprehensive guide on household contents insurance in Germany.
Disclaimer:
Policy details can vary, as insurers offer multiple plans. We selected the one we found most noteworthy, but exploring your options may lead you to a better fit. Our rankings are based on a specific methodology, which we encourage you to review to see if it aligns with your priorities. While we strive for accuracy, the decision is ultimately yours, and speaking with an insurance expert can provide more personalized guidance than this article alone.
Ready to dive in?
Let’s take a look at our favorite household contents insurance providers in Germany for 2025.
Where to start looking for the best household content insurance plans in Germany
| Provider | Recommended for | Monthly premiums | English support | Trustpilot rating |
| Feather | English Speakers | From €2.33 | Yes | 4.8/5 |
| AXA | Best-in-class coverage | From €5 | Limited | 1.4/5 |
| Gothaer | Families | From €3.06 | No | 2.3/5 |
| Ammerländer | High-end homes | From €3.00 | No | 4.2/5 |
1. Feather: Recommended for English Speakers
Our recommended plan: Extended coverage
Pricing: from €2.33 per month
| Pros | Cons |
|---|---|
| ✅English support | ❌No coverage for pickpocketing |
| ✅Fully digital experience via the app | ❌Coverage limits apply to high-value items stored outside a safe (like watches made from gold |
| ✅Cancel anytime | ❌Single rooms cannot be insured (must cover the entire house or flat) |
| ✅Comprehensive coverage options | |
| ✅Customizable coverage |
Our Take
You might not be surprised, but Feather takes the top spot on our list in 2025.
With a Trustpilot rating of 4.8/5, Feather has the best online reputation from all the companies reviewed in this post.
In fact, it’s the best-rated insurance company in Germany.
The Extended cover plan goes above and beyond the basics by offering a range of customization options; you can easily add coverage for:
- Bicycle theft
- Broken glass
- Negligence
- And even for damage that happens while moving apartments.
In addition, should an insured event leave you unable to reside in your home, the plan covers hotel or rental costs for 180 days, providing you with six months of financial breathing room during tough times.
Customers can get assistance in English via email, chat, video, and voice calls any day of the week.
Plus, managing your policy, from sign-ups to claims, is a breeze, thanks to the Feather app.
Overall, Feather’s Extended coverage is a perfect blend of affordability, flexibility, and excellent customer service—a smart choice for those looking for a mix of quality, peace of mind, and communications in English.
Contents insurance starting at €2.33 per month
Disclaimer
This is our list, and with 7+ years of insurance experience and great client reviews, we feel that we’ve earned a top spot for expats in Germany. That said, feel free to take it with as many grains of salt as you’d like.
Please note that the strengths and weaknesses related to coverage details are based on this specific plan.
2. AXA: Great premium option
Recommended plan: L
Starting price: €5 per month
| Pros | Cons |
| ✅ Highly customizable | ❌ Poor online reviews on Trustpilot |
| ✅ Best performance guarantee in tariff L | ❌ Limited English support |
| ✅ Coverage for damage due to negligence in higher tariffs | ❌ With 3 main tariff options and 7 add-ons, finding the right fit is challenging |
Our take
AXA’s L plan is their top-tier option, offering excellent benefits even though it starts at €5 per month.
Its key feature is the best performance guarantee. If you find better coverage elsewhere, AXA will match it. This makes the L plan a strong choice for anyone who wants the best protection, no matter the cost.
This tariff also includes extra protection against damage from negligence, which is helpful for complete peace of mind.
However, there are some downsides:
- The Trustpilot rating is only 1.4 out of 5.
- There is limited English support.
- With so many tariff options and add-ons, their coverage is anything but simple.
In summary, if you want top-notch protection and are ready to pay a premium, AXA’s L plan offers great benefits and a performance guarantee that stands out in the market. Just be aware of their reviews and lack of English support.
Disclaimer
We focused on the L plan because we think it is worth your consideration if you want to have the best possible coverage. However, other insurance companies may offer similar benefits at this price range. AXA offers different plans with more or less comprehensive coverage, which may better suit your preferences. Visit AXA’s website for details.
3. Gothaer: Recommended for families
Recommended plan: Can vary based on your family’s needs
Starting price: €3.06 monthly
| Pros | Cons |
| ✅Innovation clause included in all tariffs. | ❌Limited English support |
| ✅ Extended coverage for children’s belongings when they move out for the first time | ❌Poor online reviews on Trustpilot |
| ✅ Gross negligence included in all tariffs. | |
| ✅Receive reimbursement for travel expenses if you need to cut your vacation short due to an insured event (in the Premium plan) |
Gothaer is an excellent choice for families, starting at just €3.06 per month.
This plan is built to grow with your family. For example, when your children move out for the first time, they get extra coverage.
There are three levels of coverage: Base, Plus, and Premium.
In the Plus plan, children setting up their households are covered for up to €20,000 for six months. The Premium plan extends this protection to 12 months, so it’s difficult for us to recommend one specific plan from Gothaer.
In the Premium plan, you can even get travel cost compensation if you cut your vacation short due to an insured event at home. And, you also get protection during moves and coverage for theft and pickpocketing up to €3,000.
Gothaer also has an “innovation clause” in all plans.
This means that if changes are made solely for the benefit of customers—like covering extra risks or increasing coverage amounts—you automatically get those improvements without additional cost.
However, there are a few downsides:
- Support is only available in German
- Their Trustpilot rating stands at 2.3 out of 5, with only 30% of reviews being 5-star.
- Also, the basic plan has limited coverage for valuable items.
Overall, Gothaer offers strong, family-oriented coverage with valuable features that grow as your family does. It’s a solid option if you need comprehensive protection, but be aware of the language barrier and potential challenges with customer service.
Disclaimer
In this section, we focused on multiple plans because Gothaer’s plans seem to offer some value to families in different situations. Still, other companies may provide comparable coverage, sometimes at a higher or lower price. Please visit Gothaer’s website for more details.
4. Ammerländer: Recommended for digital protection
Recommended plan: Excellent
Starting price: From €3.00 per month
| Pros | Cons |
| ✅ Unique features like psychological care after incidents | ❌ Significant price increase for those living in big cities |
| ✅ 100% coverage for valuables in higher-tier plans | ❌ Limited English support |
| ✅ Extensive cyber protection in top-tier plans | ❌Digital protection is only applicable in the most expensive plan |
Starting at just €3.00 per month, Ammerländer is perfect for those who want strong digital protection.
Ammerländer uses a 4-tiered system: Classic, Comfort, Exclusive, and Excellent. The Excellent plan gives you top-tier digital protection (including coverage for online trading fraud and smart home devices).
Another of the standout features is the unique offering of psychological care after events like fire, robbery, or burglary.
The company is highly rated with a Trustpilot score of 4.2/5. However, customer support is mainly in German, which might be a drawback if you need help in English.
Overall, Ammerländer is a strong option if you’re comfortable with German-language services and need extra digital protection. Its comprehensive coverage and unique features make it a standout choice for those who want more than just basic insurance.
Disclaimer
We focused on the Excellent plan because it offers the best digital incident coverage, which is a useful feature for some. However, Ammerländer offers a range of plans that cater to individuals in different situations, which could offer better value depending on your priorities. Visit Ammerländer’s website for more information.
Our methodology, step-by-step
1. Identifying top contenders
Our process begins by consulting with our internal insurance experts to identify 15 potential contenders.
Their insights and industry knowledge helped us establish an initial list of companies offering some of the best household contents insurance policies.
2. Data collection
We then proceeded with gathering detailed data by:
- Obtaining quotes and policies: We requested quotes and acquired sample policies from each of the 15 companies. This resulted in a pool of approximately 50 distinct policies, providing a broad spectrum for comparison.
- Document review: Each policy was scrutinized to extract key details such as:
- Price: The overall cost of the plan.
- Coverage: Specific benefits and services included.
- Exclusions: What is not covered by the plan.
- Coverage Limits: Maximum amounts payable.
- Deductibles: Out-of-pocket costs required before coverage begins.
3. Reading the fine print
Our review extended beyond headline figures. We delved into the fine print of each policy, ensuring that we understood each plan’s nuances and potential limitations.
4. Customer sentiment evaluation
We reviewed customer feedback by leveraging customer reviews on Trustpilot as a satisfaction indicator.
However, we acknowledge that this metric may introduce a negative bias (given that dissatisfied customers are more inclined to leave reviews), yet it is a helpful proxy.
Please note: A more rounded view of customer sentiment could be achieved by consulting other review platforms such as Google Reviews, Yelp, and similar sites. Also, the customer review data was last updated on February 25, 2025.
5. English-speaking support assessment
Lastly, we evaluated the responsiveness and quality of each company’s customer service by contacting each company’s helpline on 10 separate occasions spread over three weeks. These interactions were conducted at various times and days to ensure a representative sample of their service capabilities.
Specifically, we assessed whether the companies could connect us to an English-speaking representative.
Conclusion
Now, we’d like to hear from you.
What’s the most important feature you’re looking for in your household contents insurance?
Is it comprehensive coverage, English support, or a user-friendly digital platform?
If you have any unanswered questions after reading this post, don’t hesitate to book a call with one of our experts.
Otherwise, you can drop them down in the form below—we’ll reply ASAP.
