A fire in your apartment damages your couch, living room chairs, and coffee table. This policy covers the cost of replacing those items.
Burglary and theft
Someone breaks into your apartment and steals your laptop, tablet, and stereo speakers. Household contents insurance ensures you don’t have to foot the bill for replacing them.
A pipe in your kitchen bursts and water floods into your living room, ruining an expensive rug. This policy covers the cost of replacement.
What is household contents insurance?
Household contents insurance (Hausratversicherung in German) covers all your belongings in your home. This policy will cover the cost of your valuables in the event of a burglary, fire, storm or other incidents.