Household Insurance

In addition to classic hazards, the tariff offers supplementary modules that are particularly useful in the event of severe weather or technical defects:

• Storm without minimum wind speed: Usually, insurers only pay for damages from wind force 8 upwards. In this tariff, damages inside the insured premises are covered even at lower wind speeds.
• Heavy rain without ZÜRS check: Flooding caused by heavy rain (from 15 l/m² in one hour) is included without the need for a prior check of the so-called ZÜRS hazard zone (the German flood risk zoning system).
• Power and voltage: Damage to your electrical appliances caused by short circuits, power fluctuations, or overvoltage from lightning strikes is covered.
• Special water leaks: The unintended leakage of water from aquariums, water beds, whirlpools, or cisterns is integrated into the protection.

Burglary within your own four walls is generally covered. However, the extensions also close gaps that arise in everyday life while on the move – with extremely strong regulations for bicycle owners:

• Bicycles & E-Bikes (Pedelecs): Your two-wheeler is insured against theft day and night, as long as it was locked in a customary manner. You can individually set the sum insured for bicycles, up to the full sum insured of your household contents if necessary.
• Theft of bicycle parts (Absolute Highlight): A huge added value: If permanently attached parts of your bicycle are stolen (e.g., the expensive e-bike battery or the child seat), the insurance will pay even if only these parts – and not the entire bike – were stolen.
• Theft from vehicles: If your car, caravan, or motorcycle case is broken into, the insurer will replace the stolen household contents.
• On the go & at work: Pickpocketing (if the bag was carried directly on the body) as well as theft at your workplace or from a sports locker room are covered.

Insuring jewelry, gold, or securities is a bureaucratic hurdle with many tariffs. This premium tariff offers enormously simplifying solutions:

• No value assessment form needed: A major administrative advantage: For sums insured under €200,000, the company generally waives the often tedious task of filling out a detailed valuation form when concluding the contract. This saves time and effort.
• Valuables in a bank safe deposit box: If your valuables (such as jewelry, cash, or precious metals) are stored in a secure safe deposit box at a financial institution, these items are covered up to the full, agreed sum insured.
• Safes at home: If you have a recognized safe (with a minimum weight of 200 kg or professionally anchored), there are no reduced compensation limits for the valuables stored inside – they are also covered up to the total sum insured.

With increasing digitalization, new fraud schemes are emerging. The NV HausratPremium has integrated a digital protective shield for this:

• Internet fraud in online shopping: If you order and pay for goods from a German online retailer for private use and they are not delivered (e.g., fake shops), the insurance covers the financial loss.
• Phishing & Pharming: If your private online banking is manipulated by fake emails or malware and money is debited without authorization, these losses are insured.
• Skimming: Financial losses caused by criminals spying on your bank data at manipulated ATMs are also covered.

More and more households rely on smart and eco-friendly technologies. The conditions take this development into account:

• Balcony solar systems & Wallboxes: Plug-in solar systems (Balkonkraftwerke) and private charging stations for electric cars on the property are covered. Thanks to the sustainability module, the compensation limit for these is even increased up to €5,000.
• Smart Home: Cameras or smart sensors used for surveillance are insured. Even consequential damages caused by manipulation (hacking) of the smart home system are covered.
• Animal damage: If pets bite electrical cables or devices in the apartment, this is insured, as is damage caused by wild animals (e.g., raccoons) entering the living space.

Insurance coverage does not end at your own front door. It accompanies you on your travels and also offers sensible solutions for your children’s first home, the first year-

• Children moving out: If your child moves into their own apartment for the first time, premium-free provisional coverage (up to €30,000) applies there for up to 12 months.
• Travel cancellation after a claim: If you have to cancel a booked holiday trip because a significant claim (e.g., fire or burglary) occurred at home shortly before, the insurance will cover the cancellation costs.

Unforeseen costs often arise in the event of a claim. The tariff includes customer-friendly flat rates and quick assistance:

• Locksmith: Have you accidentally locked yourself out or has the key broken off? The costs for a locksmith are covered up to €150.
• Psychological care: A burglary or fire is often a highly emotional burden. The costs for up to 10 sessions with a psychotherapist are covered.
• Special household costs: Costs for fire brigade deployments due to a false alarm from a smoke detector, the professional removal of wasp nests, or professional pest control are integrated into the protection.

To maintain your coverage at a high level in the long term, contractual guarantees are crucial:

• Best-Performance Guarantee (Best-Leistungs-Garantie): If another licensed insurer in Germany offers better conditions for a specific claim, the settlement will be based on these better regulations.
• Coverage of gross negligence: If you cause damage through gross negligence, the insurer will still provide full compensation.
• Waiver of underinsurance: Provided a sum insured of at least €650 per square meter has been agreed upon, no deductions will be made for underinsurance in the event of a claim.