My accountHousehold contents insurance starting at €2.33 per month
Coverage for you and your belongings
For fires, robberies, water damage, and other situations
Regardless of if your belongings were stolen, burned, or soaked, you’re covered under household insurance.
Accommodation during emergencies
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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Insured sum
€45k€10k€250k
What's covered?
Water damage (from pipes)
You're covered if a pipe explodes, and you're left with water damage throughout your apartment.
Fire
Fires are unpredictable. Insurance will cover the cost of your belongings and accommodation.
Water damage (from containers)
You’re covered if water from an aquarium, water bed, or kiddie pool damages your belongings.
Vandalism
If someone damages your belongings during a break-in, it's also included in your coverage.
Moving
If you’re moving, both apartments are temporarily covered until you’re in the new apartment.
Customize with add-ons
We also offer additional coverage through add-ons.
Bicycle theft
If your bike, saddle, lights, or basket are stolen inside or outside your home, insurance will pay to replace it.
Broken glass
Regardless if it’s a regular window, an aquarium, or even your induction stovetop, you’re covered.
Negligence
An unlocked door that led to a burglary? Accidentally left a candle burning? Even when you’re careless, you’ll be covered.
Moving expenses
If you’re no longer able to live inside of your apartment due to an insured event, you can get €5,000 of support.
What’s not covered?
Building fixtures
Things like doors or sinks are not covered as they are building fixtures and are covered by property insurance.
Blown fuse
Electronics damaged through blown fuses are not covered (unless from lightning), but rather electronics insurance.
Pipes (under the floor)
Pipes under the floor or in the walls are not covered as the landlord should cover them under household insurance.
Large-scale conflict
If large-scale conflict breaks out in Germany which causes damages to your household or belongings, you're not covered.
We can help you get insured in a matter of minutes
Get covered
Should I get household contents or liability insurance?
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.
Did you know?
Most burglaries happen from 16:00-18:00
They only last about 10 seconds.
200,000 residential fires
happen in Germany every year.
5,310,621 robberies
in Germany in 2020.
~98,000 addresses
are listed as high risk for flooding in Germany.
Do I have to insure my entire house or flat?
What's the difference between household contents insurance, home contents insurance, and personal property insurance?
Is it mandatory?
What are the copays?
Are there limits to what I can get back?
Will I be reimbursed for the current value or the price when purchased when I file a claim?
What are coverage restrictions?
Are there waiting periods?
How can I cancel?
