Home Contents Insurance
Protect what matters most to you
Whether it is your new TV, fashionable outfits, or a carefully collected library, your belongings deserve good protection. Sign up online and protect your possessions against fire, water, theft and more.
Benefits of this insurance
We cover damage even in cases of careless behavior.
One of the most common household claims is covered.
We also cover theft resulting from deception or a moment of distraction.
Coverage comparison
| Basic | Plus | Premium | |
|---|---|---|---|
| Burglary, plumbing water, storm, hail and fire | |||
| Gross negligence | Up to €10,000 | ||
| Lightning surge damage | Up to €10,000 | ||
| Trick theft and pickpocketing | Up to €3,000 | ||
| Valuables | Up to 20% of insured sum | Up to 30% | Up to 40% |
| Cash outside safes | Up to €1,000 | Up to €2,000 | Up to €3,000 |
| Documents and securities | Up to €2,500 | Up to €5,000 | Up to €10,000 |
| Jewelry, coins and stamps | Up to €20,000 | Up to €30,000 | Up to €40,000 |
| Scorch damage | |||
| Water damage from aquariums or waterbeds | |||
| Theft from vehicles (incl. roof boxes) | Up to €2,000 | Up to €3,000 | |
| Theft of garden furniture / tools | Up to €2,000 | Up to €3,000 | |
| Transport and storage costs | Up to 200 days | Up to 200 days | Up to 300 days |
Additional modules and benefits
Natural hazards
Your protection against extreme weather damage — a must for your belongings.
Bicycle theft
Perfect protection for your bicycle, e-bike, trailer or stroller, with a compensation limit of your choice.
Electronics protection
Insure appliances such as washers or dishwashers with "all-risk" coverage.
Glass breakage
Cover damage to doors and windows from broken glass.
Internet protection
Financial security for you and your family when shopping online.
What is covered
Household items
Furniture, rugs, decorations, clothing, books and food.
Valuables
Cash, jewelry and fur items are also protected.
Covered risks
Fire, explosion, lightning, plumbing water, storm, hail, burglary, robbery and vandalism.
What is not covered
General exclusions
Damage from war or nuclear energy is not covered.
Self-inflicted carelessness
For example, spilling a bucket of cleaning water is not covered.
Real claim examples
Water damage
The washing machine leaks while the owner is away. The entire apartment floods — damage to furniture is covered.
Burglary
After a short trip, the family finds a broken window, ransacked closets, and missing jewelry and electronics.
Apartment fire
A TV left on standby causes a nighttime fire. The smoke detector saves the family, but much of the furniture is destroyed.
Frequently asked questions
What insured sum should I choose?
We recommend a guideline value of €650 per square meter of living space to avoid being underinsured.
Where is the coverage valid?
In your home, and for a limited time worldwide thanks to the included away-from-home coverage — for example, while traveling.
Are phones and smartphones covered?
Yes, against basic risks (fire, water, storm, burglary); with the electronics protection add-on, also against drops or operating errors.
Want to protect your belongings?
Tell us about your home and we will help you calculate the ideal coverage.
Request free advice