Home Contents Insurance

🏠 Household Contents Insurance in Germany

Protect what’s inside your home – even if you’re renting.

Whether it’s a fire, burst pipe, or burglary – your personal belongings can be lost in seconds.
With the right insurance, you’ll get the full replacement value – fast and stress-free.

✅ What’s covered?

• Furniture, electronics, clothing, kitchenware

• Theft, fire, water damage, vandalism

• Storm, hail, lightning, explosion

• Optional: bicycle, glass, natural disasters (elemental cover)

🚫 Don’t get confused:

Liability insurance ≠ household insurance
Liability covers damages you cause to others.
Household covers your own stuff.

💡 For Indian Expats in Germany

We specialize in helping Indian professionals and families understand the German insurance system – in English and free of charge.
Our service is fully independent and includes claims support.

📈 Why NEOdirect?

• We compare 50+ providers

• Personalized advice

• No cost, no commitment

• Expert help with claims and communication

📅 Ready to protect your home?

Book your free consultation with NEOdirect now:
👉

NEGLIGENCE:

As a rule, ensure windows and doors are closed when leaving the house. If you are guilty of negligence, the insurer may refuse to pay damages in whole or in part.

DEDUCTIBLE:

An agreement on a partial deductible in the event of a claim can permanently reduce the insurance premium.

MOVEMENT:

You should immediately notify your insurer of a move and have your sum insured recalculated immediately. For a transitional period of two months, your household contents will continue to be certified in the old flat.

BUDGETARY CONSOLIDATION:

When merging households, you should check whether there are two insurance policies. The younger contract can be canceled immediately.

UNDERINSURANCE:

It makes sense to have the replacement value of your household contents assessed regularly. If the sum insured is set too low, you will have a double loss in the event of a claim, as the replacement can only be financed on a pro-rata basis.

Include bicycle in the household insurance:

Bicycle theft is unfortunately common. Could you ensure your bicycle is adequately covered under your household insurance policy and check the specific conditions for bicycle theft? Also, it is best always to report thefts to the police, as insurance coverage is often required and can help recover your bike. Also, could you invest in high-quality bicycle locks and use secure storage facilities to minimize the theft risk?

Please secure glass separately:

Glass is often a particular element in household insurance and must usually be covered separately. Although the standard coverage of household insurance includes damage to furniture and furnishings, glass is often excluded from this coverage.

Insurance companies offer special glass insurance as an additional option to cover damage to glass objects such as windows, doors, mirrors, or glass showcases. This extends the household insurance protection and covers both breakage damage and damage caused by glass breakage due to accidents or vandalism.

Ceramic hobs are a popular and modern element in many households. To adequately cover these valuable cooking surfaces, you should check whether your household insurance also covers damage to ceramic hobs. If necessary, separate insurance can be helpful to be financially protected in case of breakage or damage.

Take out household insurance with protection in the event of gross negligence:

Could you ensure that your household insurance includes explicit cover for gross negligence? Gross negligence can occur in certain situations, even if you take all due care. Your insurance must cover this type of damage to ensure complete coverage in an emergency. So, could you check the insurance conditions and take out a household insurance policy that includes gross negligence?