Every object in your house has a personal value for you – but also a financial value. With the household insurance, you can secure these objects.
A fire or leaking tap water can damage not only your house but also pieces of furniture. An affordable household insurance covers the things you love.
The insurances can cover:
- your household contents against a variety of different risks.
- fire, detonation, explosion, implosion, deflagration
- lightning strike, overvoltage damage due to lightning or lightning strike
- burglary and robbery, vandalism (intentional damage to property) after a break-in
- damage caused by tap water escaping inappropriately, also from washing machines and dishwashers as well as water beds and aquariums
- storm (from wind force 8 and more) and hail impact or crash of manned and unmanned aircraft, their parts or their cargo
- impact of a rail, water or road vehicle
Additional or included benefits in some household insurances
- theft of garden furniture, equipment and other garden inventory (e.g. gas, electric or charcoal grill)
- theft of linen/clothes for washing, drying, bleaching or ventilation outdoors
- theft of washing machines and tumble dryers, e.g. from the washing cellar
- theft from hospital rooms during a hospital, rehabilitation, sanatorium or spa stay
- damage to frozen and deep-frozen goods caused by a power failure
- damage to your laundry caused by a technical defect in the washing machine
- damage to household effects inside the home caused by certain wild animals (e.g. wild boars)
- damage caused by water leaking from internal rainwater downpipes
- financial losses due to misuse of check, credit or customer cards lost due to burglary or robbery
- pecuniary loss through phishing in online banking
- costs for the removal of damage caused by vandalism after a break-in into the insured home
- cleaning and disposal costs for destroyed household items
- data recovery costs up to 1.000 €
- repair costs for locks, doors, windows and roller shutters
- costs for temporary measures to lock your apartment
- security costs for up to 14 days
- return travel costs if you have to interrupt a holiday trip prematurely due to a substantial insured event
- telephone costs due to telephone abuse after a break-in
- relocation costs if the apartment will remain uninhabitable
- costs for the storage of your household goods for up to one year, including transportation costs