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
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
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
Fill out the form
Click through our insurance form and fill in your contact details.
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Our counsellors will contact you promptly for a non-binding and free initial consultation.
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
Insurance Expert
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.
