Home Content Insurance
Everything in your home is precious. Check out our packages now and secure your belongings.
Monthly prices start at 1,42 €. Digital. Simple. Green. (*)
Click for details of sample price
Attractive Extra Services
The Tariff Variants
High Flexibility and Modern
Highlights
Vested Rights Guarantee
Valuables
Hotel Expenses
Market Guarantee
Contents
Fire
Tapwater
Storm and Hail
External
Burglary/Theft
Insured Costs
Extract From The Coverage Concept
| Standard | Full | Comfort | |
|---|---|---|---|
| Gross negligence: causing the insured event | 10.000 EUR | Complete sum insured | Complete sum insured |
| Gross negligence: violation of obligations/safety regulations | - | Complete sum insured | 5.000 EUR |
| Overvoltage damage | 5.000 EUR | Complete sum insured | Complete sum insured |
| Theft from motor vehicle | - | Sum insured without night-time clause - motor vehicle trailers, roof boxes (Europe-wide) and valuables are excluded | EUR 2.500 without night-time clause (within Germany), valuables are excluded |
| Pickpocketing (outside the insured property) | - | EUR 2,500, cash up to EUR 250 | EUR 2,500, cash up to EUR 250, fair value replacement for electronic devices (EUR 150 deductible) |
| Cheque and credit card fraud after burglary | - | 5.000 EUR | 2.500 EUR |
| Phishing damages | - | 5.000 EUR | 2.500 EUR |
| Hotel expenses | 100 EUR/Tag, max. 100 Tag | EUR 200 a day, max. 365 days | EUR 200 a day, max. 200 days |
| Storm and hail damage on private property | - | Complete sum insured | 2.500 EUR |
| External Insurance | 20 % sum insured, 3 months | 100 % sum insured, 12 months | 50 % sum insured, 6 months |
| Sports equipment permanently stored outside insured home | - | 5.000 EUR | 2.500 EUR |
| Valuables | 20 % sum insured | 40 % sum insured | 30 % sum insured |
| Precautionary insurance for children (managing their own household) | - | 30 % sum insured, max. 6 months after moving out | - |
| Market Guarantee | - | ✓ | - |
| Vested Rights Guarantee | - | ✓ | - |
| Future improvements | ✓ | ✓ | ✓ |
| Optional: Bicycle theft, Glass breakage, Elementary insurance | Eligible | Eligible | Eligible |
| Risk Carrier: Element Insurance AG (element.in) | ✓ | ✓ | ✓ |
Our Products
FAQ
-
Are mobile phones also covered by insurance?
Yes, all phones in the household are insured against the insured risks. If a phone is damaged, e.g. due to a fire, or stolen in a burglary, it will be reimbursed. Pure breakage or simple loss are not covered, however.
-
Will my Home Content insurance continue if I move?
If the policyholder changes the flat, the insurance cover is transferred to the new flat. During the change of residence, insurance cover exists in both flats. The insurance cover in the previous flat expires at the latest three months after the start of the move.
-
What are the contents of Insured Costs?
In addition to the actual property damage, additional costs are often incurred even in the case of minor damage. The household insurance does not leave you in the lurch here either. It covers numerous costs, such as damage mitigation costs, clean-up costs, hotel costs, transport and storage costs if the flat is uninhabitable and things have to be moved out, lock change costs if a key to the flat is lost due to an insured event, as well as security costs if the flat cannot be locked due to damaged doors and windows, or alternatively costs for temporary repairs if this serves to protect the household effects. These and other costs are precisely defined in the conditions.
-
What additional options are there for home content insurance?
You can extend your insurance cover with the following modules:
-Extended natural hazards (elementary): Damage due to flooding and backwater (also as a result of heavy rain), earthquake, subsidence, landslide, snow pressure, avalanches and volcanic eruption. -Bicycle theft: Your bicycle is covered by the home content insurance against burglary from the insured dwelling (incl. cellar). To be insured against simple theft when you are on the road, you need this additional module. -Glass protection: With this additional module, you can insure all glass in your household (except hollow glass such as vases, lamps and drinking glasses) against glass breakage of any kind.
-
Do I have to have a smoke and heat detector installed in order to get home content insurance?
Smoke detectors save lives, so we recommend installing them. However, this is not a precondition for insurance cover.
-
Can I get Home Content insurance even if I am not a homeowner?
Yes, of course. The Home content insurance protects your household effects - regardless of whether you are the tenant or the owner of the insured dwelling.
