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How contents insurance works in Germany

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[BP] contents insurance germany guide

Best contents insurance in Germany: Our top 3 plans of 2026

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 (also called [home insurance](https://feather-insurance.com/household-insurance/home)) 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.](https://feather-insurance.com/blog/contents-insurance-germany-guide/)


### 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](https://www.trustpilot.com/review/feather-insurance.com) |
| **AXA** | Best\-in\-class coverage | From €5 | Limited | [1\.4/5](https://www.trustpilot.com/review/www.axa.de) |
| **Gothaer** | Families | From €3\.06 | No | [2\.3/5](https://www.trustpilot.com/review/gothaer.de) |
| **Ammerländer** | High\-end homes | From €3\.00 | No | [4\.2/5](https://www.trustpilot.com/review/www.ammerlaender-versicherung.de) |


## **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](https://www.trustpilot.com/review/feather-insurance.com), 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.

### 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](https://www.trustpilot.com/review/www.axa.de).
- 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](https://www.trustpilot.com/review/gothaer.de), 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**](https://www.trustpilot.com/review/www.ammerlaender-versicherung.de). 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 feedbackby 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.

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[BP] best contents insurance germany

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What is household contents insurance? What does it cover?

Like most insurances, household contents insurance is what you wish you had gotten after something happens like a burglary or fire. Plans also start €2\.5 per month depending on the size of your home and the amount of coverage you want. 


## What can you expect from your household contents insurance coverage?


There will most likely be different reasons why you’ll need to use household contents insurance, so we can start off with an example: 


Imagine Charlie has moved to Berlin to freelance and is told that he needs to get household contents insurance by a coworker. After signing up and working for a few years, the apartment underneath his catches fire. 


The fire starts right after Charlie leaves to go see a new client, so he is unaware of what is happening. While someone is able to save his dog, everything else in the apartment is too damaged to be salvaged and fire has made it unsafe to live in. The damages include a lot of technology that Charlie normally uses when working. If Charlie’s dog has any injuries, he could make use of his [dog health insurance](https://feather-insurance.com/pet-health-insurance/dog).


Household contents insurance would not only cover replacements for things in the home, but it would also cover an apartment for Charlie and his dog to stay in while they search for a new place to live.


He will need to provide pictures and photos of the contents in his home when filing the claim. This can all be done from his Feather account.


## **What exactly is covered?**


Household contents insurance covers everything in your house that’s not part of the structure. This includes:


- Furniture, rugs, carpets, and decorations;
- Clothing;
- Electrical appliances;
- Curtains and blinds;
- Cash and valuables like jewelry (in limited amounts).



[Get a quote](https://feather-insurance.com/household-insurance)

## **When can I ask for compensation?**


Most household insurance policies cover a wide variety of incidents (known as *insured events*) that result in damage to or loss of property. Coverage under the Feather policy includes: 


- Damage by fire and lightning;
- electrical surges;
- explosions;
- civil unrest;
- strikes;
- Loss of or damage to property caused by burglary and attempted burglary and robbery;
- Damage caused by tapwater and leaks (e.g. if a pipe bursts and damages your stereo system, you’ll be reimbursed);
- Damage caused by acts of nature, including storms and hail.


In many cases, you can also be compensated for costs related to insured events, including:


- Hotel stays, if the damage renders your home unusable;
- The cost of changing locks (e.g. following a burglary);
- Transport or travel costs (e.g. if you need to return from a trip in order to handle your affairs following an insured event).


## **Are my belongings insured even when they’re not in my home?**


For the most part, your policy covers property inside the insured location on your contract. But in some cases, it may also cover theft of belongings that are temporarily outside the home (e.g. if your gym bag or purse is stolen at your office or fitness studio). 


## **When does my contract start and how can I end it?**


Your policy begins from the day agreed upon in the contract with the condition that the first payment is made on time. If you’re late, this means that you might have to contact us to see when your insurance will start. 


You have the right to cancel your contract at any time, and your policy will be inactive from the moment we get your request (or the date named on your termination). 


Looking for other [add\-ons insurance plans](https://blog.feather-insurance.com/supplemental-insurance/) like dental or legal insurance? Explore all our plans below:



[Take a look](https://app.feather-insurance.com/questionnaire/year_of_birth?utm_source=blog&utm_medium=organic&utm_campaign=what_is_household_contents)

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[BP] what is household contents insurance and what does it cover

Is contents insurance worth it in 2026? A look at the data.

Imagine a fire in the flat above yours destroying everything you own, a burglar taking your electronics, or a burst pipe flooding your living room. 


Suddenly, replacing your furniture, electronics, and clothes could cost tens of thousands of euros.


What do you do?


One option is to pay for everything out of pocket, but most people will find this financially challenging.


That’s where **[household contents insurance](https://feather-insurance.com/household-insurance)** comes in (aka contents insurance).


Also called household insurance, it protects you financially if your belongings are damaged or lost due to events like fire, theft, or natural disasters. Instead of covering the entire cost of replacement yourself, your insurance steps in.


Of course, insurance isn’t free. You’ll pay monthly or yearly, which leads to the big question:


**Is contents insurance worth it?**


On one hand, if nothing ever happens, you might feel like you’ve wasted money. On the other hand, if something unexpected happens, the financial relief can be priceless.


So, let’s break it down and find out.


## What are the pros and cons of contents insurance?


Contents insurance can protect you from substantial financial losses, but it’s not perfect. Let’s look at the benefits and drawbacks to help you decide if it’s right for you.




| **Pros** | **Cons** |
| --- | --- |
| **Peace of mind:** Knowing you’ll be reimbursed for your belongings is a huge relief if disaster strikes. It’s protection against life’s unfair surprises. | **Risk of being underinsured:** If you underestimate the total value of your belongings, your insurer may only pay part of your claim. |
| **Highly customizable coverage:** You can tailor your policy to cover extras like bicycle theft, broken glass, negligence, or moving expenses. | **Depreciation risk:** Without a “new\-for\-old” policy, you’ll only be reimbursed for your items’ current (used) value, which accounts for wear and tear. |
| **Bicycle coverage:** Most policies include bicycle coverage if they’re secured with a lock. You can add extra coverage or get a [bike\-specific policy](https://feather-insurance.com/en-de/bike-insurance) for expensive ones. | **Limited coverage for individual items:** You can’t insure just one item or room. The whole apartment must be covered. |
| **Temporary accommodation:** Policies often cover temporary living costs if your home becomes uninhabitable due to a covered event like fire or flooding. | **Exclusions apply:** Some events, like war, nuclear accidents, flooding, earthquakes, or intentional damage, are typically not covered. |
| **Affordable:** Contents insurance offers excellent value. For as little as 5–7 euros a month, you can insure items worth 50,000–60,000 euros. |  |


Wondering “*how contents insurance even works?*” Read our guide to [contents insurance in Germany](https://feather-insurance.com/blog/contents-insurance-germany-guide/).


## How popular is household contents insurance in Germany?


It is one of the most widely used [types of insurance in Germany](https://feather-insurance.com/blog/types-of-insurance-germany/). 


According to the [German Insurance Association](https://www.gdv.de/gdv/themen/gesellschaft/versicherungsschutz-versicherungsdichte-ueberversicherung-49418), 75\.7% of households have insured their belongings.


But why is it so popular?


The answer becomes clear when you examine the damage claims paid out each year. 


Germans file claims for a wide range of incidents, and insurance companies cover significant amounts to help them recover. Here’s a breakdown of the major categories of claims:




| **Claim Category** | **Total Claims Paid (in millions of euros)** |
| --- | --- |
| Burglary/Theft | 440 |
| Fire | 350 |
| Pipe burst | 280 |
| Storm \& Hail | 50 |
| Natural Hazards\* | 30 |
| Broken and damaged glass | 20 |
| **Total** | **1,170** |


Data sourced from [HIC GmbH](https://www.die-finanzconcepter.de/blog/2020/10/16/eine-kurze-statistik-der-hausrat-schaeden/).


\*Includes flooding, backwater, earthquakes, landslides, etc.


In total, insurance companies reimbursed over **1\.1 billion euros** for household damage claims in a single year.


### What does this mean for you?


Let’s break it down. 


If we divide the total claims paid out by the number of insured households, the average policyholder is reimbursed **€34\.80 annually**.\*


This means if your [contents insurance quote](https://feather-insurance.com/household-insurance) is less than €35 per year, the protection might be well worth it.


Germany’s high percentage of insured households reflects just how much people value this protection. 


And, when you see the numbers, it’s easy to understand why.


*\*Calculated as* [*Total claim paid out by insurance companies*](https://www.die-finanzconcepter.de/blog/2020/10/16/eine-kurze-statistik-der-hausrat-schaeden/)*/*[*number of insured households*](https://www.gdv.de/gdv/themen/gesellschaft/versicherungsschutz-versicherungsdichte-ueberversicherung-49418)*.*


## What does contents insurance actually cost in Germany?


On average, it costs **€9 to €15 per month**, making it surprisingly affordable. 


When you compare that to Feather’s average claim payout of **€654\.50**, it’s clear that this small cost offers significant value. Some payouts are much higher too—up to **€4,500** in extreme cases.


Interestingly, many people file their first claim within three months of getting their policy. That shows how quickly unexpected problems can arise sooner than expected, making this coverage even more helpful.


### What factors affect the cost of contents insurance?


While the average cost is low, your exact premium depends on a few factors:


1. **Your zip code:** Where you live matters. Some areas, like Berlin, have higher risks for burglary or other incidents, leading to higher premiums.
2. **Value of your belongings:** The more you want to insure, the more your policy will cost.
3. **Optional add\-ons:** Your premium will increase if you need extra coverage, like protection for high\-value items or specific risks.
4. **Deductible:** This is the amount you pay out of pocket before the insurance kicks in. A €0 deductible policy, like Feather’s, will cost more than one with a higher deductible.


Of these, **the total sum insured** (value of your belongings) has the most significant impact on cost, followed by your location.


To give you an idea of how premiums vary, here’s a table showing the cost to insure a **90\-square\-meter apartment** with belongings valued at **€60,000** in different German cities:




| **City** | **Cost (Monthly)** |
| --- | --- |
| Dresden | €3\.66 |
| Munich | €3\.07 |
| Stuttgart | €3\.40 |
| Berlin | €7\.29 |
| Hamburg | €7\.50 |
| Dusseldorf | €7\.13 |
| Leipzig | €4\.53 |
| Bremen | €6\.34 |
| Aachen | €7\.44 |
| Hanover | €5\.03 |
| Potsdam | €3\.87 |
| Cologne | €6\.39 |
| Frankfurt | €6\.32 |
| Dortmund | €7\.68 |


## What does contents insurance pay for?


Contents insurance is there to protect you when life throws unexpected problems your way. 


But it’s important to know exactly what is—and isn’t—covered. This way, you can avoid surprises if you ever need to make a claim.


Here’s a breakdown of what most contents insurance policies cover, what some may include, and what’s generally excluded.


### What most plans cover


The following risks are typically included in standard contents insurance policies:


- **Burglaries:** Coverage for stolen belongings after a break\-in.
- **Pipe bursts:** Protection if a water pipe bursts and damages your property.
- **Fire and explosion:** Damage caused by fire or explosions is usually covered.
- **Lightning strikes:** If lightning damages your belongings, insurance can help.
- **Storm and hail:** Policies often cover damage from severe weather like storms and hail.


### **What some plans may cover**


These features might be included in more comprehensive plans or as optional add\-ons:


- **Bicycle theft:** Coverage for bikes stolen at home or in public (if locked).
- **Natural hazards:** Includes events like flooding, earthquakes, or landslides.
- **Broken glass:** Covers damage to windows, glass furniture, or mirrors.
- **Moving expenses:** If you can’t live in your apartment after an insured event (like a fire), your policy might help with temporary housing costs.
- **Negligence:** For example, if you accidentally leave a candle burning and cause a fire, some policies will still cover the damage.
- **Student accommodation:** Some plans allow you to cover belongings in a child’s dorm or rented room while they study away from home.


### **What few or no plans cover**


Certain things are almost never covered by contents insurance:


- **Unexplained loss or damage:** If something is lost or broken without a clear cause, you likely won’t be reimbursed.
- **Wear and tear:** Normal aging or deterioration of items over time isn’t covered.
- **Poor maintenance:** Damage caused by neglect, like ignoring leaks, is excluded.
- **Mechanical or electrical breakdown:** Appliances or electronics failing due to internal issues are not included.
- **Faulty workmanship or DIY errors:** Mistakes from DIY projects or poor repairs aren’t covered.
- **Pet damage:** Damage caused by pets, such as chewed furniture or stained carpets, won’t be reimbursed.


**Sometimes,** the best household insurance policies can include some of the “may cover” or even “usually excluded” items. That’s why it’s important to read the fine print or speak to your insurance provider or an independent broker.


## Alternatives to contents insurance


Contents insurance is a smart investment, but it’s not for everyone. If you’re not convinced, that’s okay. You still need a plan to replace your belongings if something unexpected happens.


Here are three alternatives to consider:


### 1\. Self\-insure your things


Instead of paying an insurance company, you can save money to cover future losses.


Here’s how it works: Insurance companies collect premiums and invest them to pay future claims. You can take a similar approach by setting aside savings to replace your belongings when needed.


- Start by estimating how much you’d need. Our guideline is **€650 per square meter** of living space to cover the cost of typical household items.
- Save a percentage of your income, such as **3% to 10% of your salary**, and deposit it into a high\-yield savings account or [private pension plan](https://feather-insurance.com/pension-insurance).


While self\-insuring gives you more control over your money, it can take time to build up enough savings and won’t protect you immediately.


### 2\. Extended warranties


Extended warranties or protection plans can be a good option for expensive items like electronics, appliances, or furniture.


- These plans cover specific issues like **mechanical failures or defects** for a period, often beyond the manufacturer’s standard warranty.
- They don’t cover broader risks like **theft, fire, or natural disasters**, so they’re more limited than insurance.


Think of this as protecting individual high\-value items rather than your entire home.


### 3\. Invest in security


Instead of insuring your belongings, you could focus on preventing damage or theft altogether. 


For example:


- Install **advanced home security systems** such as alarm systems, surveillance cameras, or motion detectors.
- Consider adding **fire safety equipment** like smoke detectors and sprinkler systems to minimize fire\-related risks.


While these tools don’t cover financial losses, they can significantly reduce the likelihood of something going wrong in the first place.


These alternatives can be helpful, but they’re not perfect substitutes for contents insurance. 


Saving money or using security measures can protect you in certain situations, but they won’t cover everything—especially in the case of major events like fire or flooding.


If you’re unsure, consider how much you’d need to spend to replace all your belongings simultaneously.


## The verdict: is contents insurance worth it?


**Our opinion? Absolutely. Contents insurance is definitely worth the cost.**


Unless you’re wealthy enough to easily replace your home furniture, kitchen appliances, and everything else, getting this policy is a no\-brainer.


Why? 


Because the cost is minimal compared to the potential payout, spending **€3 a month** can prevent you from spending **€5,000 or more** on a single claim.


You’ll need a backup plan for unexpected events if that seems too much. This could mean setting aside monthly savings, improving your home’s security, or seeking support from family, friends, or the community.


Either way, it’s essential to prepare—because when the unexpected happens, having a safety net makes all the difference.

[BP] is household contents insurance worth it