Home All-in-One Protection
Up to 30% no-claims discount
For the best possible protection of your home, you would usually need several different insurance policies. Our all-in-one home protection bundles everything: contents, liability, glass breakage and legal protection, in a single policy with one point of contact.
Benefits of this insurance
The longer you stay claim-free, the lower your premium becomes.
One contract, one premium, and a single point of contact for all claims.
No double payments while keeping full coverage.
Coverage comparison
| No discount | 2-3 claim-free years | 4-5 claim-free years | 6+ claim-free years | |
|---|---|---|---|---|
| Discount on the premium | 0% | 10% | 20% | 30% |
| Home contents included | ||||
| Liability included | ||||
| Glass breakage included | ||||
| Legal protection included |
The discount is applied automatically at renewal based on consecutive claim-free years.
Additional modules and benefits
Natural hazards
Your extreme-weather protection — safeguard your belongings against natural hazards as well.
Renewable energy
Insure your energy system against unforeseen damage, destruction or loss.
ExtraProtection
Extend protection for your house, apartment or contents beyond the usual risks.
Electronics protection
Insure electronic, electrical and gas appliances easily and affordably on an "all-risk" basis.
Single-family homes
Fire, plumbing water, storm, hail, lightning and willful damage can quickly cause high costs.
What is covered
Protection for your house
Restoration of the building for damage caused by fire, plumbing water, storm or willful damage.
Household contents
Furniture, rugs, appliances, clothing and valuables such as cash or jewelry.
Covered damages
Fire, lightning, explosion, plumbing water, burglary, glass breakage, vandalism, storm and hail.
Liability
We review claims made against you, settle legitimate ones and defend against unjustified ones.
Legal protection
We cover the necessary attorney and court costs to defend your legal interests, for example in rental damage disputes.
What is not covered
General exclusions
War, internal unrest (partially insurable) and nuclear energy. Damage from WWII bombs, however, is covered.
Intentional acts
Damage caused intentionally is not included.
Real claim examples
Electronics breakdown
Shards from a broken wine glass block the dishwasher pump. Electronics protection covers the damage.
Storm damage to a glass roof
A decaying tree from the neighboring property falls onto the winter garden's glass roof during a storm.
Apartment fire
A TV on standby causes a nighttime fire. The smoke detector saves the family, but much of their belongings are destroyed.
Frequently asked questions
Who is all-in-one home protection recommended for?
For all tenants and owners who want to protect themselves against existence-threatening damage like fire or flooding.
When do I get a no-claims discount?
2–3 claim-free years give a 10% discount, 4–5 years give 20%, and 6+ years give 30%.
What is covered under glass breakage?
Panes, panels, mirrors, glass doors, ceramic hobs, and aquarium/terrarium glass.
How much is the liability coverage?
€100 million flat for personal, material and financial damages (up to €20 million per injured party).
Want to simplify your home protection?
Tell us your situation and we will show you how to bundle everything into one policy.
Request free advice