What counts as ‘theft’ in Germany?
Robbery
Someone uses physical force against you or verbally threatens you in order to take your personal items, either within your home or outside of it.
Burglary
Someone uses force against property (either yours or somewhere else like a hotel room) to take personal items from you.
Petty theft at home
Someone takes personal items from your property, without using force or threats (for example if you leave your lawnmower or grill in the garden).
Vandalism
Burglars enter your home or flat and destroy or damage your things or the property itself.
Theft coverage with Contents Insurance
What is covered?
Where your coverage applies
SPECIFIC CASES THAT AREN'T COVERED
COMPLETE YOUR COVERAGE WITH EXTENSIONS
Bike theft
Good for you, good for the planet, not covered by a regular contents insurance policy. Add the Bike Theft Extension to your contents insurance policy and ride on!
Glass
Furniture, mirrors, stovetops – sometimes things made of glass just break. Add the Glass Extension to your contents insurance policy and don’t worry about your breakable stuff again.
Natural hazards
This extension expands your coverage to natural forces such as avalanches, landslides, floods and more.