Home Insurance Germany

Secure your home today and live worry-free!


Tailored house insurance plans designed to safeguard your property and belongings


Enjoy peace of mind knowing your home is protected with reliable and affordable insurance from MW Expat.


Comprehensive coverage protecting you against damages, theft, and unexpected events


Trust in our reliable and affordable insurance to keep your home secure. 

After filling out the form, our insurance experts will contact you to tailor your premium rate to your specific needs.
Our advice and service is free and non-binding.

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Welcome To Smarter Home Insurance With MW Expat

At MW Expat, we understand the importance of safeguarding your home and peace of mind. That's why we offer home insurance plans designed to provide expats with comprehensive coverage, flexible options, and the most affordable rates guaranteed.

Why Choose Our Insurance Plan?

Affordable Rates

Benefit from our competitive pricing, offering you comprehensive home insurance at the most affordable rates, tailored to fit your budget.

Quick and Easy Claims Process

Enjoy a straightforward and efficient claims process, designed to minimize stress and provide quick resolutions, so you can focus on what matters most.

Flexible Plans

Choose from a variety of coverage options that can be customized to meet your specific needs, allowing you to adjust your plan as your circumstances change.

Comprehensive Coverage

Our home insurance plans cover a wide range of risks, including fire, theft, natural disasters, and accidental damage, ensuring your home and belongings are fully protected.

Expert Personalized Advice

Access a team of experienced insurance professionals who provide personalized advice and support, ensuring you get the best coverage for your home.

What our clients say about our services

Proven Expert Review
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I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
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They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
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My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
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The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Proven Expert Review
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I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Proven Expert Review
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It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.

Exclusive Offers Just for You

  • Personalized Plans: Talk to our home insurance experts to get a plan tailored just for you.
  • Flexible Coverage: Decide how much coverage you need, and adjust it as your situation changes.
  • Exceptional Value: Enjoy competitive rates without compromising on comprehensive coverage.

Act Now for Peace of Mind

Home insurance with MW Expat is about ensuring comprehensive protection without financial worries. Book a chat with us today to see how we can help you secure the best coverage.

Our Effortless Insurance Process​

MW Compare Insurance Step 1

Fill out the form

Click through our insurance form and fill in your contact details.

MW Compare Insurance Step 2

We will contact you

Our counsellors will contact you promptly for a non-binding and free initial consultation.

MW Compare Insurance Step 3

Receive offer

Receive your individual and free offer. Feel free to contact your personal counsellor for any question.

Chat With Our Team​

You have an urgent request? Or just need some more information about German home insurance? No problem!

Our Customer Care team will be happy to answer all your questions.

Bianca Lukas

Insurance Expert

Carmen Dorlan Customer Care at MW Expat Solution Services GmbH

Carmen Dorlan

Insurance Expert

Mihaela Dorlan, Customer Care, MW Expat

Mihaela Dorlan

Insurance Expert

A Complete Guide to Home Insurance in Germany for Expats

Settling into a new country involves more than just finding a place to call home; it’s about making sure your home is secure and protected. For expats in Germany, understanding the ins and outs of home insurance is crucial. From determining if home content insurance is mandatory, to understanding what it covers and its costs, this guide offers comprehensive insights to help you navigate home insurance in Germany.

Is Home Content Insurance in Germany Mandatory?

Unlike some insurances, home content insurance (Hausratversicherung) is not legally mandatory in Germany. However, it’s highly recommended for homeowners and renters alike. This insurance provides a layer of financial protection against loss or damage to personal possessions within your home, covering scenarios that could otherwise lead to significant out-of-pocket expenses.

How Much Does Home Content Insurance Cost?

  • The cost of home content insurance in Germany depends on the value of the contents you’re insuring and the level of coverage you choose. On average, premiums can range from €50 to €300 per year. Opting for a policy with a deductible can lower your premium, but it’s important to balance this with the potential out-of-pocket costs in the event of a claim.

What Does Home Content Insurance Cover in Germany?

Home content insurance in Germany offers coverage for:

  • Theft and Burglary: Compensation for stolen personal belongings.
  • Fire Damage: Costs associated with fire damage to personal property.
  • Water Damage: Loss or damage from water leaks or flooding.
  • Vandalism: Damage to your personal items due to break-ins or malicious acts.

This coverage ensures that, in the event of an unfortunate incident, you’re not left footing the bill for replacements or repairs.

What Does Home Insurance in Germany Not Cover?

While home content insurance provides broad coverage, there are exclusions. Typically, it does not cover:

  • Normal Wear and Tear: The gradual deterioration of items over time.
  • Natural Disasters: Certain policies exclude damages from earthquakes or floods unless specifically added.
  • High-Value Items: Loss or damage from water leaks or flooding.
  • Vandalism: Expensive items like jewelry or art may require additional coverage.

Understanding these exclusions is crucial when choosing a policy, ensuring you’re adequately covered for your specific needs.

Securing Your Home in Germany with Expert Advice

Choosing the right home insurance policy in Germany can seem daunting, especially for expats navigating the market for the first time. Our team of insurance experts is here to simplify the process, offering personalized advice based on your specific circumstances and coverage needs.

By consulting with our professionals, you can ensure your home and its contents are adequately protected against a range of risks, giving you peace of mind as you settle into your new life in Germany. Contact us today to find the perfect home insurance solution tailored to your needs.

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