Household Insurance Germany​

Household insurance in Germany protects your home and personal belongings from damage caused by natural disasters, theft, and other unforeseen events.

The Household Insurance in Germany in a nutshell

Welcome to the world of household insurance in Germany, your financial safety net when life’s unexpected events come knocking. While it may not be the most thrilling topic, understanding household insurance is a smart move that can save you from potential financial headaches. On this page, we will break down the essentials and help you understand the most important aspects and the security a household insurance provides.

Household insurance, known as “Hausratversicherung” in German, is designed to safeguard your personal belongings and provide coverage for property damage within your living space. Think of it as a protective shield for the things that make your house a home.

While household insurance isn’t mandatory by law in Germany, it’s a wise choice that can make a world of difference. Imagine your apartment or house as a treasure trove of your possessions—furniture, electronics, clothing, jewelry, and more. Household insurance steps in to protect these valuable items from unfortunate events like fire, theft, vandalism, and water damage, offering financial support when you need it most.

Household insurance provides coverage for a wide range of scenarios:

  1. Fire: In the event of a fire, your policy ensures your belongings are protected, offering financial relief during a challenging time.
  2. Theft: If your property is burglarized, household insurance has you covered. It’s a reassuring safety net when your possessions are stolen.
  3. Water Damage: Whether it’s a burst pipe or a washing machine mishap, water damage is a common issue. Household insurance helps you recover the costs.
  4. Vandalism: When your home falls victim to vandalism during a break-in, your insurance policy can alleviate the financial burden of repairs.
  5. Moving: Are you relocating to a new place? Your insurance temporarily extends coverage to both your old and new apartments during the move.

Household insurance in Germany isn’t limited to your primary residence. It can also provide coverage beyond your four walls. For example, many policies offer protection against theft from a hotel room while you’re traveling. This versatility ensures your belongings are safeguarded, no matter where you are.

The cost of your household insurance is often based on a total sum insured for your entire household, calculated using factors like the size of your living space, location, and the value of your possessions. It’s essential to evaluate your coverage to ensure it aligns with the value of your belongings.

In summary, household insurance in Germany is your safety net, offering protection for your most cherished possessions and providing financial relief when unforeseen events occur. While it may not be the most thrilling topic, understanding its value can save you from unexpected financial burdens and offer peace of mind for a brighter future. So, dive in, explore your options, and secure your home sweet home.

Our Latest Household Insurance Videos

In our YouTube playlist, you will learn everything about household insurance in Germany. We cover different policies, how to choose the right one, and tips on how to apply them. This playlist is a great resource to perfectly insure your home and your personal belongings.

Our Latest Household Insurance Blog Posts

In our blog, we provide comprehensive information about household insurance in Germany. We report on current events, misunderstandings, and changes in the field of household insurance and keep you up to date.

Feather got interviewed by PerFinEx
Important insurances in Germany

Interview with Julian Hennig (Head of Insurance - Feather) about the structure and future of German health insurance and important insurances in Germany.

Find the best possible household insurance in Germany.
Best Household Insurance In Germany

German household insurance will protect your household items against damages like fire, tap water, storm, or burglary. Find the best household insurance in Germany here.

Our Latest Household Insurance Blog Posts

In our blog, we provide comprehensive information about household insurance in Germany. We report on current events, misunderstandings, and changes in the field of household insurance and keep you up to date.

Feather got interviewed by PerFinEx
Important insurances in Germany

Interview with Julian Hennig (Head of Insurance - Feather) about the structure and future of German health insurance and important insurances in Germany.

Find The Best Household Insurance For You With Our Calculators​​

With our calculators, you have the possibility to find the best household insurance in Germany for your individual situation as quickly and conveniently as possible and additionally, you can apply for the desired household insurance right away.

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Insurance in Germany

Find the best household insurance in Germany with the lowest premium.

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Book A Free Meeting With Us To Discuss Your Household Insurance

Finding the best household insurance in Germany for you can be difficult – especially as an expat with limited German language skills. Secure a free meeting with us & our insurance experts will make choosing the best household insurance as easy as possible.

Get In Touch With Us

Would you like to learn more about household insurance in Germany or do you need help by setting up your insurance? Please feel free to send us a message. We will help you with all the questions you have and answer as fast as possible.