Social, Sustainable and Digital: Home Content Insurance from Techafull

Definition and Importance of Home Content Insurance

Home content insurance is a special type of insurance that protects you against financial loss due to damage or loss of personal property in your home. The term "home content" refers to the movable personal items and furnishings located inside the insured flat or house.

So that all risks can be optimally covered and you receive appropriate compensation in the event of damage, it is important that your insurance policy is individually tailored to your home. The size of the living space, i.e. the living space in square meters, and the financial value of your household contents play a decisive role in the tariff calculation. The best Techafull home insurance, including its definition and meaning, is the one that is best suited to your home and your needs.

What does home content insurance cover?

Techafull home contents insurance covers the following risks:

-Fire damage: The damage caused by a fire in your home is covered by your Techafull home contents insurance. -Water damage: If your personal belongings are damaged by water, e.g. as a result of a burst water pipe in your home, you can make a claim with your Techafull household contents insurance. -Storm damage: If damage is caused to your personal belongings as a result of a storm and the associated flooding; for example, your Techafull household contents insurance is liable and will compensate you for the damage within the scope of your insurance policy. Damage caused by lightning also falls under this category. -Theft: You do not really want to think about it, but it still happens far too often, even in Germany, that homes are burgled. In such cases, the stolen items are replaced by your Techafull household contents insurance. There is also the option to insure against thefts that occur while on vacation.

What is not covered by home content insurance?

Techafull home content insurance does not provide cover in the following cases:

-Natural disasters Natural disasters such as earthquakes, floods or even avalanches are not included in the standard cover. In regions with a high risk of such events, it is therefore advisable to take out separate policies or extensions to your household contents insurance.

-War and civil unrest In the event of war, civil unrest or terrorist attacks, cover for damage is generally excluded.

-Negligence If the damage was caused by gross negligence on the part of the policyholder, the insurance benefits may be reduced or even completely refused.

-Intentional acts If the policyholder wilfully causes damage to his own personal belongings, this is not covered by the household contents insurance.

-Wear and Tear Damage caused by normal wear and tear is not covered by home content insurance.

What does Techafull home content insurance cost?

The monthly costs for Techafull home content insurance currently start from €1.43. How much your personal policy will ultimately cost depends on various factors. The cost of Techafull home contents insurance depends largely on the size of your home and the financial value of your possessions. These factors and the risks you wish to have covered are taken into account when calculating the rate, and so your individual policy is drawn up and a corresponding rate calculated. Here is an overview of all the factors that influence the cost of your Techafull household contents insurance:

-Scope of Cover and Insured Value: Up to what amount should your damage be covered and would you like additional valuables such as bicycles to be covered as well? The higher the value of your belongings, the higher the cost of your household contents insurance. -Location and Living Space in Square Metres: Each area in Germany is assigned to a so-called risk area. Some regions in Germany have a higher risk, e.g. for natural disasters. This is why the location of your flat or house and the size of the living space also play an important role in the tariff calculation. -Safety Precautions: Any security precautions you take in your home can lower your monthly insurance premium. These include alarm systems, security locks and smoke detectors. -Insurance History: When you take out home insurance from Techafull, we also look at your previous claims history over the last five years. You can view and track both your policy and the tariff structure digitally and online at any time via our customer portal. Thanks to Techafull's innovative digitalisation, we offer our customers absolute transparency. As a result, there are no hidden costs or complicated clauses in the policies.

Who is home content insurance suitable for?

Techafull home content insurance is particularly suitable for all homeowners and tenants. Content insurance does not cover the building as such, but the items in the building. This makes home content insurance just as interesting for tenants as it is for homeowners.

Why Techafull home content insurance?

The benefits of Techafull home content insurance speak for themselves. Added to this are the numerous advantages that we offer as the first participation digital insurance company on the European market:

-Sustainable and Eco-Friendly At Techafull, all processing steps are carried out completely paperless. Thanks to innovative digitalisation, all data can be viewed online by our customers at any time and we do not need to print out pages of policies. -Fast and efficient processing Our user-friendly online customer portal allows our customers to submit their claims at any time, i.e. around the clock. This enables us to guarantee fast claims settlement and prompt payment of compensation. -Simple and transparent Our customer portal gives our customers comprehensive access to their contracts and policies anytime and anywhere. Here you can conclude new contracts, make changes to existing contracts and track the calculation of your tariffs. At Techafull, we combine our experience in the insurance and financial sector with state-of-the-art technology to offer you a sustainable, uncomplicated and customised insurance solution.

When can I claim on my home content insurance?

You can always claim benefits from your Techafull home content insurance if a claim covered by your policy occurs. In this case, you must submit a claim online and we will take care of your claim as quickly as possible. Thanks to our digital processing, we ensure that claims are handled promptly.

You are welcome to visit us on Techafull or our social media accounts on Facebook, Twitter, Instagram or YouTube for more information about our company and our innovative products.