Household Insurance
German Household Insurance (Hausratversicherung)
Protect your personal belongings, furniture, and electronics
When renting an apartment in Germany, your landlord’s building insurance only covers the physical structure of the house. Everything you bring into the apartment – furniture, clothes, laptops, TVs, and even your bicycle – is your own responsibility. German Household Insurance (Hausratversicherung) protects your personal property against theft, fire, storm, and severe water damage (e.g., a burst pipe flooding your living room).
How to use the comparison calculator:
Compare rates online—no expert knowledge required! Just follow these steps:
- Page 1 – Property Details: Enter your living space (Wohnfläche in square meters), postcode (PLZ), city, street, and house number.
- Page 2 – Coverage Options:
- Insurance sum: We highly recommend using the suggested standard (usually 650 EUR per sqm) to avoid underinsurance.
- Bicycle theft (Fahrraddiebstahl): Add this if you own a bike and want it protected even outside your home.
- Natural hazards (Elementarschäden): Covers extreme weather like flooding, backwater, or heavy snow.
- Glass damage (Glasbruch): Optional cover for windows, glass tables, or ceran stoves.
- Page 3 – Personal Information: Provide your date of birth, employment status (e.g., “Öffentlicher Dienst” means civil servant), and previous claims history.
Automatic browser translation often struggles with embedded forms. For a flawless, fully translated experience, we highly recommend opening our unframed calculator in a new tab. Just right-click anywhere on the new page and select “Translate to English” or your preferred language.
Optional: Glass Insurance (Glasbruchversicherung)
Standard household insurance does not cover broken glass (e.g., if you accidentally smash your expensive ceran stove top, a large mirror, or a window pane). If your apartment features a lot of glass or a winter garden, a separate glass policy is highly recommended.
Need Help? Let us do the work!
If translating the German calculator feels too complicated, simply reach out to us. As a contract-free insurance broker, we will assess your living situation, filter the best tariffs, and provide you with a tailored recommendation in English, French, or Spanish. Our service is completely free of charge for you.