Hausratversicherung (Household Contents Insurance)
Starting From Just
€2.83 per month
Household Contents Insurance (Hausrat Insurance)
Starting From Just
€2.83 per month
Safeguarding Your Home and Belongings
Hausratversicherung, or Household Contents Insurance, is a pivotal aspect of personal security in Germany, offering protection for your personal belongings in your home.
Premium Coverage & Reliable Support Guaranteed
Unlimited Coverage
Comprehensive Theft Coverage
Negligenece Coverage
Key Features
- Total Home Protection
Covers a wide range of items, from furniture, electronics to personal items, and clothing against theft, fire, water damage, and vandalism.
- Emergency Accommodation Support
If your home is damaged, we'll help with hotel, moving, and storage expenses for up to 4 months. For damages over €5,000, we also cover return travel costs.
- Pipe Leakage and Fire Damage Protection
Comprehensive coverage for pipe leaks and fire-related damages, ensuring quick repairs and restoration.
Do You Have Any Questions?
What does Hausrat Insurance cover?
It covers damages or losses to household items caused by fire, pipe leakage damage, burglary, vandalism, storm, hail, and uncertain natural disasters.
What is not covered by Hausrat Insurance?
Hausrat Insurance typically does not cover damage from neglect, intentional damage, wear and tear, or damages caused by war, nuclear risks, or acts of terrorism.
How is the premium for Hausrat Insurance determined?
Premiums are based on factors like the size of your home, the value of your belongings, location, and the level of coverage chosen.
Does Hausrat Insurance cover damage from natural disasters?
Basic Hausrat Insurance does not cover all natural disasters, such as flooding or earthquakes, but additional coverage (Elementar schadenversicherung) can be added.
What is the difference between Hausrat and Liability Insurance?
Hausrat Insurance covers damage or loss to your personal belongings, while Liability Insurance (Haftpflichtversicherung) covers damages you cause to others or their property.
Can I insure high-value items under Hausrat Insurance?
Yes, high-value items like jewelry, art, or electronics can be insured, but you may need to declare them separately, and additional premiums may apply.
Can Hausrat Insurance be transferred to a new home?
Yes, Hausrat Insurance can be transferred to a new home, but you must inform your insurer about the move and any changes in risk factors.
Does Hausrat Insurance cover damages caused by tenants?
Hausrat Insurance covers your own belongings, not the damages caused by tenants. For rental properties, consider tenant liability insurance.
What happens if I underinsure my household contents?
If you underinsure, the insurer may reduce the payout proportionately to the amount insured versus the actual value of your belongings.
Can Hausrat Insurance be canceled at any time?
Hausrat Insurance can typically be canceled at the end of the policy term or with a notice period of three months. Special situations, like moving abroad, may allow for immediate cancellation.
How often should I update my Hausrat Insurance policy?
It is recommended to review your policy annually or whenever there are significant changes in the value or quantity of your household contents.
Is Hausrat Insurance mandatory in Germany?
No, Hausrat Insurance is not legally required in Germany, but it is highly recommended to protect your personal belongings.