★★★★★ Trusted by 500+ Indian expats in Germany | Independent broker — we work for you, not for insurers
Starting from
~€2–5/month
Singles & families
Payout
Replacement value
New-for-old — not depreciated value
Protects
All your belongings
Furniture, electronics, clothing & more
What losing your belongings really costs
See the difference between replacing everything yourself — and having proper coverage.
Without home contents insurance
Kitchen fire destroys appliances & furniture: €5,000–€15,000
Burglary — laptop, electronics, jewellery stolen: €3,000–€10,000
Water damage ruins furniture & clothing: €2,000–€8,000
→ You pay for everything out of pocket. Most expats can't afford to replace it all at once.
Burglary — laptop, electronics, jewellery stolen: €3,000–€10,000
Water damage ruins furniture & clothing: €2,000–€8,000
→ You pay for everything out of pocket. Most expats can't afford to replace it all at once.
With home contents insurance
Monthly cost: ~€2–5/month
All belongings: covered at replacement value
Fire, water, theft, storm: all included in one policy
→ Full protection for less than a coffee per week.
All belongings: covered at replacement value
Fire, water, theft, storm: all included in one policy
→ Full protection for less than a coffee per week.
How it works
Three simple steps to get covered.
1
Tell us about your home
Apartment size, number of rooms, any valuables? We figure out the right sum insured for your situation.
2
We compare & recommend
As independent brokers we compare multiple insurers and find the best tariff — including bicycle theft, glass breakage, and surge protection if you need it.
3
You're protected
Sign up online in minutes. If something happens, we handle the claims process for you in English.
What's covered
The four main risks your policy protects against.
🔥 Fire & lightning
Kitchen fires, electrical fires, lightning strikes — your furniture, electronics, and personal belongings are covered at full replacement value.
💧 Water damage
Burst pipes, leaking washing machines, overflow from upstairs — damage to your belongings from tap water is covered.
🔒 Burglary & theft
Break-ins, stolen electronics, jewellery, cash (up to limits) — plus damage caused during the burglary like broken doors and windows.
🌪️ Storm & hail
Damage from storms (wind force 8+), hail, or objects blown through windows — your belongings inside are protected.
⚠️
Beware of underinsurance
If the sum insured is too low, your insurer can reduce your payout proportionally — even if the claim itself is smaller than your coverage limit. For example, if you're insured for €20,000 but your belongings are worth €40,000, you may only get 50% of any claim. We help you calculate the right amount so this doesn't happen.
Real situations where it helps
Common scenarios that can cost you thousands.
Kitchen fire destroys your belongings
A forgotten pan on the stove catches fire. Your kitchen appliances, furniture, and curtains are destroyed. Home contents insurance covers the replacement cost of everything.
Burglary while visiting India
You come back from a trip home to find your apartment broken into. Laptop, TV, jewellery — gone. Insurance reimburses you for stolen items at replacement value.
Washing machine leak floods your flat
A burst hose floods your apartment overnight. Your sofa, rugs, and clothes are ruined. Insurance pays for replacement of all damaged belongings.
Good to know — what's usually not covered
Personal advice helps make sure you get the right coverage.
- Damage you cause intentionally or through gross negligence (some policies cover gross negligence — we recommend those)
- Damage to the building itself — that's your landlord's building insurance
- Damage you cause to other people's property — that's personal liability insurance
- Gradual damage from wear and tear or lack of maintenance
- Flood or earthquake damage (unless added as an extra — Elementarschadenversicherung)
- Items stored outside your home (e.g., garden furniture) unless specifically covered
This is why personal advice matters: we make sure your policy covers bicycle theft, glass breakage, surge damage, and other extras that many basic tariffs leave out.
Especially important for
If any of these apply to you, don't wait.
- Every expat renting in Germany — your landlord's insurance does NOT cover your personal belongings
- Anyone with expensive electronics — laptops, phones, cameras — these are prime burglary targets
- Families with children — more belongings, more to replace if something goes wrong
- People living in older buildings — higher risk of water damage from ageing pipes
What our clients say
Real stories from Indian expats we've helped.
★★★★★
"Our flat was broken into while we were visiting family in India. Insurance replaced our laptops, TV, and even the damaged door. So relieved we had it."
Arjun · Munich
★★★★★
"A pipe burst in our bathroom and ruined our furniture and clothes. Yash handled the entire claim in English — we got the full replacement value within weeks."
Deepa · Berlin
★★★★★
"I didn't even know I needed home contents insurance until Yash explained it. For just €3/month I have peace of mind that everything in my flat is protected."
Kavita · Frankfurt
Your expert for home contents insurance
Y
Yash Choudhary
Insurance Expert · NEOdirect
Specialised in helping Indian expats protect their homes in Germany. I explain insurance in simple English so you understand exactly what you're getting — and what you're not.
📖
Want to learn more first?
Read our detailed blog article about home contents insurance vs. personal liability insurance — what each covers and why you likely need both.
FAQ — Home Contents Insurance
Quick answers to the most common questions.
Ready to protect everything you own?
Independent advice · English & Hindi support · Fast enrollment