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.
Your Home — Comprehensively Protected
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
Enter living space
The sum insured is calculated as a flat rate based on the square footage — simple and reliable.
Choose add-ons
Natural hazard coverage, bicycle, glass breakage — we recommend the useful extensions.
Compare rates
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Activate coverage
Digital application, immediate insurance coverage, and ongoing support.
Frequently Asked Questions About Contents Insurance
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