Household contents insurance starting at €2.33 per month

Yes. Unfortunately, single rooms cannot be insured. If you live in a shared household, you will need to have one policy to cover all the belongings and can split the cost with the household members.

Household insurance, household contents insurance, home contents insurance, and personal property insurance all refer to the same type of insurance provided on this page.

This is different from homeowners insurance, or Wohngebäudeversicherung, which applies to the actual building.

No, household contents insurance in Germany isn't required by law. Still, some landlords may have it as a requirement in your rental contract.

There are no copays, but certain areas of coverage come with limits to what you can get back. See below.

Yes, some limits apply to different types of damages depending on whether you're on the Basic or Premium plan.

If your stuff is stolen from your garden area it could still be covered but only up to €500 depending on the type of coverage you signed up for. If rain water is the cause for a claim there is a limit of €500 per claim.

Check out the full policy summary table for more information.

You'll get reimbursed for the price of your valuables when they were in new condition and not when they were damaged or stolen.

Cover restrictions are instances in which insurance coverage may be limited. Events which are always excluded include war, nuclear energy, wet and dry rot, storm surge, flooding, backwater, groundwater, earthquake, ground subsidence, landslide, snow pressure, avalanches, volcanic eruptions, and intentionally caused damage.

No, there's no waiting period for using your household contents insurance in Germany. Your policy is effective immediately from the start date. Events that happened before the start date of the insurance are not covered.

You can end your contract at any time, and it is effective as soon as you cancel or at a later date that you can specify.