Household Contents Insurance
Household Contents Insurance covers the costs of replacing the inventory of your household. It offers cover in case of damage occurred through fire, mains water, storms, hail, robbery through break-ins, theft and vandalism. If you are renting a furnished apartment, many landlords now insist on you having a ‘Hausratversicherung’ before letting to you. The average cost of replacing all household goods lies at around €650/m2 in Germany. It is advisable to insure at least this value as the insurance companies do not then calculate the percentage of damage compared to your total insured sum, which would lead to a reduction in the amount of your claim. This is known as ‘Unterversicherungsverzich ‘ (waiver of underinsurance).
Please answer the following questions in order to enable us to offer you the cover that best suits your needs and at the best price. Once you have returned the questionnaire you will be contacted to talk through the next steps.