Hausratversicherung is one of the most common and highly recommended private insurances in Germany. It protects your movable belongings inside your home against various risks.
✅ What It Covers
Household contents insurance covers your personal possessions in case of:
| Covered Events | Examples |
|---|---|
| 🔥 Fire | Electrical fire, lightning damage |
| 🚰 Water Damage | Burst pipes, leaking appliances (not flooding!) |
| 🌪️ Storm & Hail | Damage from windstorms over 62 km/h |
| 🦹 Theft & Burglary | Break-ins, vandalism, stolen valuables |
| 🚨 Vandalism | After a break-in |
| 💥 Explosion | Gas leak explosions |
| ⚡ Electrical Damage | Power surge (depending on policy) |
💡 Important: Flooding from natural disasters (like rivers overflowing) is not automatically covered – you need an optional add-on (Elementarversicherung) for that.
🛋️ What Items Are Covered?
Everything that’s not part of the building itself, including:
- Furniture, clothes, electronics
- Kitchen appliances (oven, fridge, etc.)
- Mobile phones, laptops, TVs
- Bicycles (only if included in the policy)
- Jewelry, cash (up to limits)
💰 How Payout Works
- You’re covered up to the insured sum (typically €40,000–€100,000+).
- Payouts are at replacement value (Neuwert), not second-hand value.
- After a claim, you’ll need:
- Police report (in case of theft)
- Photos or receipts
- Damage report
📝 Cost of Hausratversicherung
- Varies by:
- Home size (m²)
- Location (risk of burglary/storms)
- Extras like bike coverage or glass insurance
| Home Size | Monthly Cost (Approx.) |
|---|---|
| 50 m² | €3 – €7 |
| 100 m² | €6 – €15 |
✅ Many policies start at €30–100 per year.
🔒 Optional Add-ons
- Bicycle theft insurance
- Glass breakage insurance
- Natural disaster (Elementarschäden) – for floods, earthquakes, etc.
- Temporary lodging costs if your home becomes uninhabitable
📑 Tips Before Getting It
- Always compare offers at Check24, Verivox, or Finanztip.
- Use online calculator to estimate the right insured sum.
- Don’t underinsure – insurers may reduce your payout.
🔧 How to Get It
- Compare offers online (Check24.de, Verivox.de)
- Choose coverage amount and extras
- Enter property info (size, location, security)
- Sign contract digitally – coverage often starts immediately