Home Insurance
Home insurance in Germany
Although there may be some overlap between policies, generally these different types of insurance cover different circumstances that could arise for homeowners or renters.
Home contents insurance
(Hausratversicherung)
Buildings insurance
(Wohngebäudeversicherung)
Homeowners’ liability insurance
(Haftpflicht für Hausbesitzer)
Home contents insurance (Hausratversicherung)
Whether you’re renting or own your own home in Germany, having home insurance gives you protection in unfortunate situations like house fires, extreme weather, theft and burglaries.
What is covered by home content insurance in Germany?
Home content insurance covers damage to your belongings caused by:
- Fire
- Lightning
- Storm
- Water damage
- Burglary / theft
If your belongings are damaged or lost, you can make a claim and your insurance will pay out the cost of replacing the item. It doesn’t matter what you paid for the item originally, the claim will be enough to purchase an equivalent item at today’s prices. Your insurer might also pay out the cost of repairing the item.
Home contents insurance doesn’t cover your belongings for deliberate damage or wear and tear. It also does not apply in the following circumstances:
- Accidental damage caused by guests or pets
- Damage or loss outside the home
Types of instive Insurance
Stories and information to help you plan, prepare and protect what matters most.
Home Insurance
Aliquam posuere gravida wolf moon retro. Hella ironic before they sold out
read moreHaftpflicht – Liability Insurance
Aliquam posuere gravida wolf moon retro. Hella ironic before they sold out
read moreHome Insurance
Aliquam posuere gravida wolf moon retro. Hella ironic before they sold out
read moreHealth Insurance
Aliquam posuere gravida wolf moon retro. Hella ironic before they sold out
read moreHealth Insurance
Aliquam posuere gravida wolf moon retro. Hella ironic before they sold out
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Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
What happens if...
Stories and information to help you plan, prepare and protect
what matters most.Stories and information to help
Health and Care
Health insurance in Germany is mandatory but there are many ways to get the coverage that is right for. Whether you are only here for a short stay, a few years in order to work or want to relocate for good, having the right health care is a fundamental aspect of living in Germany.
Legal Protection
Legal disputes are unfortunately becoming more common in Germany and they can get expensive very quickly. Legal expenses insurances exist for a variety of legal fields and can be tailored to your needs.
Liability, Home, Car & Travel
From small issues such as paying for the scratches you made when moving out of your apartment to covering you and your family while travelling – there are a range of insurances that are indispensable for a safe everyday life.
Property
Whether you own a property as an investment or as your permanent home, it is paramount to set up insurances that help you secure your assets.
Business
Life is full of surprises – business life even more so. The needs and requirements for insurances of a business can be as different as the people behind the business themselves, but there are a range of important insurances that can help you deal with surprises.
Life & Loss of Work Force
What happens if you can’t work anymore? And how do you provide security for your family in case of death? Life and loss of work force insurances can support you to achieve financial security for you and your loved ones throughout the next years.
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