Regardless of if your belongings were stolen, burned, or soaked, you’re covered under household insurance.
If you can no longer live in your apartment due to a fire or flood (extended coverage), insurance will pay for 180 days of accommodation.
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You're covered if a pipe explodes, and you're left with water damage throughout your apartment.
Fires are unpredictable. Insurance will cover the cost of your belongings and accommodation.
You’re covered if water from an aquarium, water bed, or kiddie pool damages your belongings.
If someone damages your belongings during a break-in, it's also included in your coverage.
If you’re moving, both apartments are temporarily covered until you’re in the new apartment.
We also offer additional coverage through add-ons.
If your bike, saddle, lights, or basket are stolen inside or outside your home, insurance will pay to replace it.
Regardless if it’s a regular window, an aquarium, or even your induction stovetop, you’re covered.
An unlocked door that led to a burglary? Accidentally left a candle burning? Even when you’re careless, you’ll be covered.
If you’re no longer able to live inside of your apartment due to an insured event, you can get €5,000 of support.
Things like doors or sinks are not covered as they are building fixtures and are covered by property insurance.
Electronics damaged through blown fuses are not covered (unless from lightning), but rather electronics insurance.
Pipes under the floor or in the walls are not covered as the landlord should cover them under household insurance.
If large-scale conflict breaks out in Germany which causes damages to your household or belongings, you're not covered.
Both household and liability insurance sound like similar plans but are pretty different. Household contents insurance covers the belongings in your apartment, while liability insurance covers the damage you do to others regardless of where you are.
For example, if you break someone’s PS5 at their apartment, your liability plan will pay for it. If someone robs your apartment, your household contents plan will pay for stolen belongings.
happen in Germany every year.
in Germany in 2020.
are listed as high risk for flooding in Germany.
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