Household insurance in Germany, also known as Hausratversicherung, is one of the most essential forms of protection for expats and residents alike. Whether you live in a furnished rental, own a house, or share a flat, this insurance provides peace of mind in the face of fire, theft, water damage, and more.

At German Sherpa, we help expats navigate the German insurance landscape with ease — and household insurance is often the very first step.

Household insurance protects your personal belongings inside your home. This includes furniture, electronics, clothing, bicycles, jewelry, and much more. In the event of damage or loss due to events like fire, burglary, storms, or flooding, your Hausratversicherung reimburses you — often at full replacement value.

🔍 Key Features of Household Insurance in Germany

A comprehensive household insurance policy in Germany should include the following:

• Coverage for personal property such as furniture, kitchen appliances, televisions, laptops, clothes, and valuables.
• Protection against common risks like fire, water damage, storms, hail, burglary, and vandalism.
• Tap water coverage in case of pipe bursts or appliance leaks (e.g. from washing machines or dishwashers).
• Outside-home protection, for example, if your bike is stolen or your laptop is taken during travel.
• Replacement value coverage, so you receive the cost to buy a brand-new equivalent of what was lost.
• Optional glass breakage coverage for mirrors, windows, or glass doors.
• Elementary damage coverage, protecting against natural disasters like floods and earthquakes — especially crucial as climate risks rise.
• Additional services, such as temporary housing after major damage, locksmith services, or replacement of lost identity documents.
• Coverage of shared areas, for instance in apartment buildings or student housing.

🔥 Why Is Household Insurance in Germany So Important?

Imagine coming home one day to find your apartment filled with smoke and firefighters rushing out. Even if you’re safe, you may have lost everything — not only to the flames, but also to water and smoke damage.

Would you be financially ready to replace all your belongings from scratch?

This is the reality many expats in Germany have faced, especially during the 2021 floods, where thousands lost their entire homes. Those with solid household insurance policies were protected. Those without were left to rebuild on their own.

Imagine:

It is a nice sunny summer day. You take your family out for a walk, just wearing a t-shirt and shorts and you not even carry your mobile phone.
One hour later you return to your home and you see fire fighters coming out of the building.
One of them sees you, runs to you and give you a hug.
He says:
“Oh thank god that you are alive – we expected you inside the fire!”

The good news is the fire is gone. The bad news is, everything you owned is either destroyed by the fire or by the fire fighters water.

Would it hurt you to start from the scratch with nothing left?

Do you remember the devastating floods in Germany in 2021?
Thousands of families lost everything within hours. For many, household insurance was the only financial safety net that protected them from complete ruin.

💬 Top Tip for Expats

Make sure your Hausratversicherung is up to date and includes high-value items, electronics, and elementary coverage for climate-related damages. At German Sherpa, we also help you cover your electronic devices against damage, malfunction, and theft.

🧭 Why Choose German Sherpa?

• We work exclusively with expats and know the challenges of adapting to a new system.
• Our team is multilingual — fluent in English, German and Spanish.
• We recommend only clear, flexible, and trustworthy policies from top-tier German insurance providers.
• Our service is personalized, fast, and free of charge.

We don’t just sell policies — we build trust.

📩 What We Need to Get You Insured

To get your household insurance in Germany set up today, please share:

• 👤 Full names (including family members)
• 🎂 Date(s) of birth
• 📍 Your full address in Germany
• 📐 The size of your apartment or house (in m²)
• 💎 Any special items to cover: e.g. bike, valuables, electronics, glass

Send Whatsapp request for Household insurance to German Sherpa

🚀 Get Covered Today with German Sherpa

Don’t wait for an emergency. Let German Sherpa guide you to the right household insurance in Germany, so your home and future are always protected.

📲 Contact us now or start your Hausratversicherung application today.
Because peace of mind — and protection — starts at home.