Home insurance in Germany

Household contents insurance protects the belongings inside your home, everything that would fall out if you turned your apartment upside down. This includes furniture, electronics, jewelry, clothing and more. The contents are covered against specific events, such as fire, robbery, burglary, water damage, storm, and hail.

Coverage automatically extends to all residents of the home, ensuring their belongings are protected under the same policy. Whether you live with a partner, friends, or roommates, their belongings are included in your policy.

Yes. Unfortunately, single rooms cannot be insured. If you live in a shared household, you will need to have one policy to cover all the belongings and can split the cost with the household members.

Household insurance, household contents insurance, home contents insurance, and personal property insurance all refer to the same type of insurance provided on this page.

This is different from homeowners insurance, or Wohngebäudeversicherung, which applies to the actual building.

You'll get reimbursed for the price of your valuables when they were in new condition and not when they were damaged or stolen.

If an insured event, such as a fire, flood, or robbery, damages your belongings and leaves your apartment uninhabitable, you may be eligible for reimbursement of accommodation costs for up to 180 days. Please note that structural damage to things like the floors and walls is not covered under this policy and does not qualify as an insured event.

You may be eligible for reimbursement of moving costs if your contents are damaged by an insured event (e.g., fire, flood, or robbery) and your apartment becomes uninhabitable as a result.

Both structural damage to the building (e.g, to floors and walls) and moving costs not related to an insured event fall outside the scope of coverage.

Yes, some limits apply to different types of damages depending on whether you're on the Basic or Premium plan. Check out the full policy summary table for more information.

No, there are no copays or deductibles.

No, there's no waiting period for using your household contents insurance in Germany. Your policy is effective immediately from the start date. Events that happened before the start date of the insurance are not covered.

If your items are temporarily outside your insured location, for example, while you are on a trip or vacation, you are eligible for worldwide coverage for the following insured events: fire, robbery, burglary, water damage, storm, and hail.

Your household contents insurance policy only covers your primary residence. Your primary residence is the place where you live most of the time and where you typically keep the majority of your belongings. You cannot insure a second property or a property you rent to someone else.

Events that are always excluded include war, nuclear energy, wet and dry rot, storm surge, flooding, backwater, groundwater, earthquake, ground subsidence, landslide, snow pressure, avalanches, volcanic eruptions, and intentionally caused damage.

The policy also does not cover structural damages to the apartment or house, general wear and tear, malfunctioning items, or simple theft.

There is no cancellation period. You may cancel your contract at any time, and your policy will remain active until the end of the current month.