Home Contents Insurance Germany

Home Contents Insurance Germany (Hausratversicherung) – Protect your stuff!

Last update: 23 December 2019

Unlike the private liability insurance, the home contents insurance is not an absolute must-have… However it is definitely an insurance that you should have. Wondering what this home contents insurance, or in German “Hausratversicherung”, is about and why you should get one? Don’t worry… below you will find a brief summary of the most important facts about home contents insurance in Germany as well as an overview of insurance providers that offer a great value for money. So let’s get started!

What is Home Contents Insurance or “Hausratversicherung”?

Simply put, a home contents insurance helps you to protect your possessions from robbery/theft, vandalism, water damages, fire damages and/or storm damages. Here are some examples to illustrate what is covered:

• Somebody breaks into your apartment and steals your laptop and TV, or even worse also damages your furniture whilst searching for valuable goods. This can easily go into thousands of Euros…
• There is a fire in your house/apartment. No need to explain what that means…
• Your washing machine has a defect and floods your apartment, damaging your electronic devices and your furniture. This can also get very expensive!
• There’s a heavy storm that devastates your apartment. The damages to your personal goods would also be covered by a home contents insurance.

You get why it’s worthwhile to have this insurance, right? 😉 In a nutshell this is what is covered in a home contents insurance:

• Electronic devices (e.g. laptop, TV, iPad, etc.)
• Furniture (incl. carpets and decoration items)
• Clothing, shoes & accessories
• Valuables (e.g. jewelry or cash)

Home Contents Insurance Germany – Good Insurance Providers

Below you will find a summary of home contents insurance providers in Germany that offer good value for money and are easy to deal with.

Home Contents Insurance Germany – Detailed Overview

getsafe

getsafe is an insurtech that was founded in 2014. It is their mission to provide insurance services completely online. Forget about paper-based processes, with getsafe you can easily manage your insurance policy digitally via the getsafe app.  The insurance covers damages caused by storm, fire, water and burglary and starts at 1.37 EUR/month. Gross negligence is covered and there is a worldwide protection. You can add optionally a premium upgrade which offers a greater protection and a glass upgrade. You can easily get your getsafe home contents insurance online within 5 minutes and their website/app is available in both English and German.

   Home contents insurance starting from 1.37 EUR/month
   Optional premium & glass upgrade
   Manage your insurance policy via app
   No fixed duration, can be cancelled at any time
   Service available in English

getsafe Home Contents Insurance

coya

coya is also quite new to the insurance market and offers innovative insurance services especially to younger people. coya has different home contents insurance packages (basic, plus, premium) starting from 1.79 EUR/month. Like getsafe you can also get your insurance policy from coya directly online within a few minutes and without any paperwork at all. You can upgrade the home contents insurance to the plus (e.g. incl. theft of bags up to € 1,000) or premium (e.g. incl. coverage for your belongings outside your home) package. Of course they also offer their service in English.

   Home contents insurance starting from just 1.79 EUR/month
   Manage your insurance policy completely online (no paperwork)
   No fixed duration, can be cancelled at any time
   Service available in English

coya Home Contents Insurance

helden.de

helden.de is an insurance company that also focuses on digital insurance services. They position their home contents insurance as a premium insurance. It not only covers the classical range of items insured by a home contents insurance but also your bike/e-bike and your goods when you’re traveling. The monthly cost of 2.92 EUR is slightly higher than getsafe or coya but the coverage is better. A disadvantage is the fact, that their website is only available in German. However you can contact them via chat (chat bubble on the bottom right) and phone and their English-speaking staff will guide you through the process.

  Premium home contents insurance for 2.92 EUR/month (including e.g. your bike/e-bike)
  Manage your insurance policy completely online (no paperwork)
  Minimum contract duration of one year
  Only available in German (however good English-speaking customer service)

helden.de Home Contents Insurance

Summary – Home Contents Insurance Germany

So as you can see, a home contents insurance is a component in your insurance portfolio that definitely makes sense as it protects your personal items in your apartment at a reasonable price.

Disclaimer: This article reflects my personal opinion about the above mentioned insurance providers and their offered policies. I am not giving insurance advice nor am I working for the above mentioned companies. However the article contains affiliate links, meaning I earn a commission if you use those links.