Renters insurance in Germany

Household insurance covers the belongings in your apartment. Imagine turning your apartment upside down - anything that would fall out is considered contents.

Liability insurance covers the damage you do to others regardless of where you are. In terms of your apartment, it includes: your landlord’s belongings, other people’s belongings or building fixtures.

No, not legally. But if you damage your landlord's property, you're the one who has to pay for it, so personal liability insurance is worth having. Contents insurance covers what's yours, so your own belongings are protected too.

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.

No, there are no deductibles or copays with your Liability or Household policy.

Liability Insurance:

• €20,000 limit on damages to a borrowed motor vehicle due to misfuelling
• €5,000 limit on damages to an employer or colleague's property

Household Insurance:

• 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.