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Home Contents Insurance

Burglary, Fire, Burst Pipes — What Then?

All your home contents can be destroyed overnight. Home contents insurance replaces furniture, electronics, clothing, and valuables — at replacement value.

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Your Home — Comprehensively Protected

Furniture, electronics, clothing, jewelry — your household contents are worth more than most people think. Contents insurance protects against burglary, fire, water damage, storm, and hail. We calculate your actual needs and avoid over- or under-insurance.

Benefits in Detail

Burglary & Theft

Replacement of stolen items at replacement value, including clean-up and repair costs.

Fire & Lightning

Full replacement in the event of fire, explosion, or implosion — including consequential damage caused by extinguishing water.

Water Damage

Protection against burst pipes, defective washing machine connections, and aquariums.

Storm & Hail

Coverage from wind force 8, including consequential damage caused by penetrating rainwater.

Natural Hazard Coverage

Extendable protection against flooding, heavy rainfall, snow load, and landslides.

Bicycle Theft

E-bikes and bicycles insured outside the home as well — around the clock.

Who is contents insurance suitable for?

Renters

Your landlord insures the building — but not your contents. That is your responsibility.

Owners

A complement to your home building insurance: everything inside the home counts as contents.

Families

Children's rooms, toys, school supplies — the value of your contents grows with your family size.

Home Office Users

Office equipment in your home can be included in your coverage.

What is covered?

Versichert

  • Burglary, robbery and vandalism following break-in
  • Fire, lightning, explosion and implosion
  • Water damage from pipes (burst pipes, washing machine leaks)
  • Storm and hail from wind force 8
  • Surge damage caused by lightning
  • Glass breakage (furnishings) depending on tariff
  • Bicycle theft (including outdoors at night, depending on tariff)
  • Hotel costs if the apartment becomes uninhabitable

Nicht versichert

  • Simple theft (without break-in)
  • Damage caused by war and civil unrest
  • Intentionally caused damage
  • Damage to the building itself (→ Home Building Insurance)
  • Natural hazard damage without add-on module (flooding, earthquake)
  • Scorching damage without open flame

Optimal coverage in 4 steps

1

Enter living space

The sum insured is calculated as a flat rate based on the square footage — simple and reliable.

2

Choose add-ons

Natural hazard coverage, bicycle, glass breakage — we recommend the useful extensions.

3

Compare rates

Over 60 contents insurers in an independent comparison.

4

Activate coverage

Digital application, immediate insurance coverage, and ongoing support.

Frequently Asked Questions About Contents Insurance

The easiest method is the square metre flat rate: approximately €650 per square metre of living space. For high-value contents, we recommend an individual valuation.
Yes, absolutely. Due to climate change, heavy rainfall events are increasing. Even areas not near rivers are affected. The additional premium is usually modest (approximately 15–30% surcharge).
Good policies waive the defence of grossly negligent causation — for example, in cases of forgotten candles or an open window during a storm.
Yes, with the bicycle clause. With newer policies, even around the clock — including outdoors at night — provided it was secured with a lock.

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Find the optimal home contents insurance for your home in just a few minutes.

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