Protect Everything That Makes Your Home Your Home.
Household insurance, called Hausratversicherung in Germany, protects your personal belongings against risks like fire, burglary, tap water damage, storms, hail and more.
Especially useful for expats, tenants, families, students, shared flats and anyone with valuable belongings in Germany.
Household insurance protects your personal belongings inside your home.
Your furniture, electronics, clothes, kitchen appliances, valuables, bicycles and personal items can add up to a surprisingly high amount. Hausratversicherung helps protect you financially if these belongings are damaged or lost due to insured events.
Do not underestimate the value of your home contents.
Many expats think they do not own much — until they calculate the cost of replacing everything from scratch. Household insurance is often one of the first basic protection steps after moving to Germany.
What household insurance can include.
Coverage depends on the provider and tariff. These are the most important areas to understand before choosing a contract.
Personal property
Furniture, kitchen appliances, TVs, laptops, clothes, jewelry, bicycles and other personal belongings can be insured.
Fire and smoke damage
Protection if your belongings are damaged by fire, smoke or firefighting water after an insured event.
Tap water damage
Useful for pipe bursts or appliance leaks, for example from washing machines or dishwashers.
Storm and hail
Coverage can apply when belongings are damaged due to insured storm or hail events.
Burglary and vandalism
Protection after insured break-ins, stolen items and related vandalism damage.
Elementary damage
Optional protection for natural risks such as flooding, heavy rain, backwater or earthquakes, depending on tariff.
Could you replace everything from scratch?
Imagine coming home after a walk and seeing firefighters outside your building. You are safe — but your belongings are destroyed by fire, smoke or firefighting water.
What could be affected?
- Furniture, beds, wardrobes and kitchen equipment
- Laptops, phones, TVs and electronic devices
- Clothing, shoes, documents and personal items
- Bicycles, sports equipment and valuables
- Temporary housing and emergency costs depending on tariff
The fire may be gone — but your belongings may be gone too.
Even if nobody is injured, the financial damage can be severe. Household insurance can help you rebuild your home contents after insured events.
- Replacement of destroyed personal belongings
- Support after smoke and water damage
- Protection for tenants and families
- Financial safety net after a major household loss
Elementary coverage is becoming more important.
The 2021 floods in Germany showed how quickly families can lose their homes and belongings. Standard household insurance may not automatically include all natural disaster risks.
- Heavy rain and flooding may need additional coverage
- Backwater damage should be checked carefully
- Climate-related risks are becoming more relevant
- Tariff details matter more than the cheapest price
Important add-ons and details.
A household policy should match your lifestyle, apartment, family situation and valuables.
Electronics
Laptops, phones, cameras and other devices can be expensive. Check coverage limits and whether additional electronics protection makes sense.
Bicycles
Bike theft coverage can be limited or optional. High-value bikes should be declared properly.
Valuables
Jewelry, watches, art, cash and other valuables may have special limits and storage requirements.
Glass coverage
Optional glass breakage can be useful for mirrors, glass doors, ceramic hobs, showers or large windows.
Outside-home cover
Some policies offer coverage when belongings are temporarily outside your home, for example during travel.
Shared areas
In apartment buildings or student housing, check how belongings in basements, hallways or shared rooms are treated.
We help expats understand German insurance clearly.
Household insurance seems simple, but tariff details can decide whether your claim is handled smoothly or becomes frustrating.
- Plain-English explanation of German policy terms
- Support in English, German and Spanish
- Review of apartment size, valuables and add-ons
- Orientation for expats, families, tenants and students
- Personalized, fast and free-of-charge support
To get you insured, please share:
- Full names, including family members if relevant
- Date or dates of birth
- Your full address in Germany
- Size of your apartment or house in square meters
- Special items such as bikes, valuables, electronics or glass
Request your household insurance quote.
Send us your basic details via WhatsApp. We will help you find suitable Hausratversicherung options for your home and belongings in Germany.
Clarity Starts With Structure.
We advise expats who live and work in Germany.
