Home contents insurance covers all movable items in your household, such as furniture, clothing, electronics, jewelry, books, and personal belongings.

In short: everything that would fall out if you turned your apartment upside down counts as household contents.
These items are insured against specific risks like fire, water damage, storm, hail, and burglary.

Household contents include everything you can take with you when moving. Examples:

• Furniture and carpets

• Clothing and shoes

• Electronic and household appliances

• Crockery and food

• Jewelry, watches, and valuables (up to agreed limits)

• Bicycles (depending on the tariff)

Usually, the following risks are insured:

• Fire (e.g., fire, lightning, explosion)

• Water damage (e.g., burst pipes)

• Storm and hail

• Burglary, robbery, and vandalism after a break-in

Optional coverage can include natural hazards (e.g., floods, heavy rain, earthquakes), bicycle theft, and unnamed risks.

Not covered are, among others:

• Damage caused intentionally

• Normal wear and tear

• War, civil unrest, or nuclear hazards

• Unreported or excluded risks (exact exclusions depend on the tariff)

The insurance sum should correspond to the replacement value of your entire household contents. Every item in each room should be included in the valuation.

For insurance sums of at least €650 per square meter of living space, we waive any deductions due to underinsurance.

If the sum is set too low, underinsurance deductions may apply.

Underinsurance occurs when the actual value of your household contents exceeds the agreed insurance sum. In such cases, only a proportional amount is reimbursed.

Our tariff offers a waiver of underinsurance if the insurance sum is at least €650 per m² of living space.

Some market tariffs include bicycle theft automatically. We offer it as an optional module, so customers only pay for the coverage they need.

Yes. With external coverage, household items are insured worldwide for a limited time, e.g., during holidays or hotel stays. Compensation is usually capped.

Yes, but only up to certain limits. Particularly valuable items may need to be declared separately or insured additionally.

In case of damage, you should:

• Minimize the damage as much as possible

• Notify the insurer immediately

• Submit receipts, photos, or purchase documents

• File a police report in case of theft or robbery

Costs depend on factors such as:

• Living space

• Location

• Insurance sum

• Selected optional modules
  In many cases, comprehensive protection is possible for just a few euros per month.

Yes. Cancellation is generally possible at the end of the contract term, usually with a three-month notice period. After a claim or a premium increase, a special right of cancellation often applies.