Household Insurance for Anyone Whose Main Residence Is in Germany — Including Holiday Homes Abroad

This guide explains how residents with their main registered address in Germany can insure
not only their primary household but also holiday homes, family properties or second residences abroad
under the SIGNAL IDUNA Premium Household Insurance. Nationality does not matter — only your residence status in Germany does.

Who is this article for?

This guide is relevant if you:

• Have your primary registered address (main residence) in Germany,
  regardless of nationality or citizenship.
• Own a holiday home, family property, or second residence abroad.
• Are part of an international household or a binational family.
• Spend several months abroad each year and want unified German insurance coverage.
• Prefer one contract from a German insurer instead of multiple foreign policies.

Why most household insurances do not cover holiday homes abroad

Standard household insurance (Hausratversicherung) only covers belongings located at the primary insured residence in Germany.
Typical limitations include:

• No coverage for entire properties outside Germany.
• Strict limits for temporarily stored items.
• No protection for seasonal-use homes or long-term stays abroad.
• No full cover for furniture in a foreign apartment.

For internationally active households, this creates significant coverage gaps.

Why the SIGNAL IDUNA Premium tariff is different

1. Holiday homes and second residences abroad are included

The Premium tariff automatically includes belongings located in:

• holiday homes abroad
• family-owned apartments or houses
• seasonal-use properties
• second residences inside Germany

Your coverage level is linked to the living area of your main residence, which often eliminates
the need for a second policy abroad.

2. Full replacement value — without a fixed sum insured

As long as the declared living area is correct, SIGNAL IDUNA pays replacement value
without classical sum limitations.

3. Extended travel and long-stay cover

The Premium tariff includes enhanced off-premises and travel cover, ideal for people who spend
long periods abroad.

4. Up to three years of free difference cover

If you already hold insurance abroad, you may set the German contract start date up to
three years in the future.
Until then, SIGNAL IDUNA provides free difference coverage where its benefits exceed your current policy.

Private liability insurance as an important supplement

Residents in Germany should have a strong private liability insurance.
It protects you against claims for accidental damage — including many situations involving holiday homes abroad.

Calculate Liability Insurance (German calculator)

Premium Household Insurance — Online Calculator

You may calculate your individual premium here.
Browser translation works perfectly for non-German speakers:

Calculate Household Insurance

Important requirement

Coverage applies only if your legal and actual main residence (primary registered address) is in Germany.
Citizenship is irrelevant — what matters is where your centre of life is located.