Question 1

Why do I need contents insurance?

Accepted Answer

Every object in your flat does not only have a personal, but also an immense monetary value. However, risks such as fire, storm and burglary can cause severe damages to your belongings. In case of damages, we protect you from the financial damage and ensure that you can replace your items on financial level.

Question 2

What is part of my contents?

Accepted Answer

All items for private usage in your household are part of your contents. For example electronics, furniture, and clothing. Basically everything which would drop out if you put your flat upside down.

Question 3

What is the insured sum?

Accepted Answer

The insured sum should is the maximum amount you get paid in case of total damage. The amount of the sum insured is calculated individually and depends on the size of your living space. Remember this: €650 per square metre of living space.

Question 4

How do I calculate the right insured living space?

Accepted Answer

Your living space is the base area of all rooms in your apartment/ house. Excluded from the calculation are the area of stairs, balconies, terrace and loft- and basement, as long as they are not used for residential or hobby purposes.

Question 5

Is my family insured as well?

Accepted Answer

During an apprenticeship or a certified voluntary/ military service your child is included in your insurance. This applies as long as your child is living in a common household and has no own household. Your partner or a person living in a common household with you are also insured. Please note, however, to adjust the insured sum accordingly!

Question 6

Does my insurance also apply outside my home?

Accepted Answer

Yes, your insurance cover also applies in common areas for washing machines, outbuildings and garages on the insured property up to the insured sum. Restrictions apply to household contents in garages on other properties or in bank lockers.

Question 7

Am I also protected while travelling (abroad) ?

Accepted Answer

Your contents are insured worldwide for up to 12 months. This is also valid for vacation or longer trips.

Question 8

Why do I need a glass insurance?

Accepted Answer

Our contents insurance covers almost all your belongings in your household, except building and furniture glazing. Now you are wondering what glazing for buildings and furniture is? This includes, for example, all panes, panels and mirrors, glass furniture and washbasins, shower cubicles or the glass panes of aquariums, terrariums and conservatories.

Burglary, robbery, vandalism

Fire damage

Water damage

Damage caused by storms

Damage to rented furniture or appliances

Damage caused by pets

What’s the difference between contents insurance and liability insurance?

Why do I need contents insurance?

What items counts as ‘contents’? And what don’t?

What’s the sum insured?

How do I calculate the right insured living space?

Do I have to be a German citizen or a citizen of another EU country to have contents insurance?

When will my policy be valid from?