What is covered by household contents insurance?

Household contents like furniture, electronics, clothing and kitchenware, plus events such as theft, fire, water damage, vandalism and certain weather events like storm or hail (policy-dependent).

Is my bicycle covered?

Bicycles are covered if the optional bike add-on is included. Policies can require approved locks and may define night-time rules.

Household Contents Insurance for Indians in Germany

Free consultation

Home Contents Insurance

Q: What does replacement value mean?

Replacement value means the insurer pays the amount required to replace an item new (subject to policy limits and conditions), not the depreciated second-hand value.

Q: How do I file a claim?

Document the damage (photos, receipts), report theft to the police, prevent further damage, and submit your claim with evidence. We support you step-by-step.

🛋️ Because Your Home Deserves Protection

The things you surround yourself with – furniture, electronics, clothes, and personal items – bring comfort to your daily life. But in the event of damage, they also represent a high material value that can lead to significant financial loss.

🔥 Imagine a fire destroying everything in your home – replacing it all from scratch would be costly.

HOME CONTENT INSURANCE

Home Content Insurance Calcualtor

Beschreibung
Rechner
TIPP

NEOdirect · Household Insurance Explained in English Renters · Families · Expats

🏠 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 belongings can be lost in seconds. The right policy reimburses the full replacement value — fast and stress-free.

🔒 Compare & Enroll Instantly See what’s covered

Coverage

Full replacement

New-for-old value

Risks

Fire · Water · Theft

Storm · Vandalism

Extras

Bike · Glass · Elemental

Optional add-ons

✅ What’s covered?

Belongings

Furniture, electronics, clothing, kitchenware

Events

Theft, fire, water damage, vandalism

Weather

Storm, hail, lightning, explosion

Add-ons

Bicycle, glass, natural disasters (elemental)

🚫 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 help Indian professionals & families navigate German insurance — in English and free of charge. Independent advice, plus claims support.

📈 Why NEOdirect?

We compare 50+ providers
Personalized, independent advice
No cost, no commitment
Expert help with claims & communication

🛠️ Describe your damage (for faster claims)

Damage type: e.g., burglary, water damage, fire, storm.
When & where: date, time, address (and room if helpful).
What happened: short, factual description.
Items affected: list with approximate values.
Evidence: photos, receipts, police report (if theft).
Prevent further damage: e.g., turn off water/electricity if needed.

💬 Customer Reviews

“Our laptop and camera were stolen during a break-in. NEOdirect helped with the claim — payout within a week.”

Rahul & Meera · Munich

“A burst pipe ruined our furniture. The policy covered the full replacement value. Clear guidance in English.”

Ananya · Berlin

“Bike theft covered without hassle. Submitted receipts and got reimbursed quickly.”

Rohan · Hamburg

❓ FAQ – Household Insurance

What is covered?
Household contents like furniture, electronics, clothing and more, plus events like theft, fire, water damage, vandalism and certain weather events.

What does “replacement value” mean?
Insurer pays the amount to replace the item new, not the depreciated second-hand value (subject to policy limits).

Is my bike covered?
Yes, if you add the bicycle option. Some policies require an approved lock and specify night-time rules.

How do I file a claim?
Document the damage (photos/receipts), report theft to police, prevent further damage, and contact us — we’ll guide you step-by-step.

✅ Compare & Enroll Instantly

Independent advice • English support • Claims help

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?