Short description with video clip about household contents insurance in Germany with the option to ask for your individual offer. You’d need to look into the terms and conditions of the policy you are interested in and check if the policy covers everybody’s belonging in the household. Intasure is a global company providing home insurance coverage for properties around the world. This type of insurance is actually mandatory for everyone who is hired as an employee in Germany. Full provision in the case of gross negligence. Email: hello@coya.com Valuable info: Here’s a little secret. These cookies will last for one year. So my question is: can we find out how much the insurance covers in case of a burglary? Hahaha. It insures your belongings against damages due to storms, water, fire and vandalism. Simply said, if you tipped your flat upside down, anything that falls would be eligible for compensation. Now I am wondering if the term ‘Hausratsversicherung’ has a standard meaning, (most agree with your explanation of the criteria that you must own the contents for which damages are being claimed)…In that case, why does this particular co have a completely different interpretation of the term.. Hey Priya. And all of it seems to be “same same but different”. Here are a few other things that aren’t covered by house insurance. My name is not on the contract, but I am registered as living at the address. If it’s the same everywhere, there are varying degrees of cover which you can pick from. Useful insurance jargon when picking your policy. Germans tend to take insurance quite seriously. Homeowners’ and house insurance cover similar dangers, such as fire, storm and tap water damage, but insure different items. These are for your convenience so that you do not have to fill in your details again when you leave another comment. I was going through an insurance cos’ website HUK 24..and what they told me is that I will need to take a Hausratsversicherung for damages to a property irrespective of who owns the property. If you are interested in that, you can easily compare policies on platforms like Tarifcheck. Now, under what circumstances does German home contents insurance cover your possessions? Household insurance will cover damage made by fire, water, storm, burglary, robbery etc. Insurance broker for individuals & families, employers, freelancers and expatriates. Insurances in Germany “Germans have insurance for everything” - that might sound superficial but it is true. It covers you if you’ve inflicted damage on another person or their belongings. Your insurance should at least cover: The cost to rebuild your home (often different from its market value - Guaranteed Replacement Cost coverage is available to protect you if … Before you sign any contract though, make sure you get clued up on what the following common terms mean. Ordinary household insurance (Hausratversicherung), which normally covers loss of property contents from fire, burglary and water damage etc) is not compulsory in Germany. This is what Germans call liability insurance. Public insurers are non-profit companies. But more on this one later. Telephone: +49 (0) 30 588 49400. Whether you are moving abroad for the first time or relocated multiple times before, the … Rates are determined by a variety of factors. An exception may be made if you are delegated by your employer to work in Germany for a period defined in your work contract usually not exceeding three to five years. Should you leave your existing apartment for another one it’s important to know you can take your policy with you. Imagine the whole interior of your home being destroyed. The following formula is generally used to estimate the value of your home: Your flat in square metres x 650 EUR. You may not be able to find an alternative to Deutsche Bahn trains in Germany (yet), but when it comes to insurance, you’ll be spoiled for choice. Back to business: how is German house insurance defined? You could even consider home insurance to be a superpower, saving your a$$ the German way. You may want to see an expert about this but in my opinion, the landlord has to first prove it is your fault that the pipe broke in order to ask you to cover for damages. You’d need to check the conditions of your contract/insurance policy. Our recommendation for German household insurance. That includes furniture, carpets, electrical appliances, clothes, but also valuables and much more. I just have a question which i hope you can help me with. What other types of costs are covered in German house insurance? In the case of a robbery, you need to prove an evidence that force was used in order to get the coverage. House insurance for Germany is not often high on the list of priorities. German house insurance doesn’t require you to insure individual goods based on a list or anything like that. 4h later, the neighbors rang the door with a frown on their faces; the pipe had broke, the water flooded the bathroom floor, and leaked downstairs. Private liability insurance (Haftpflichtversicherung) in Germany, Choosing Supplementary Pension Schemes in Germany, Free brochure:’Security right from the start’ Siemens-Betriebskrankenkasse Health Insurance Germany, Health Insurance In Germany – Private and Public Insurance Options in 2020, Private Health Insurance in Germany (Private Krankenversicherung – PKV), Health Insurance For Self-employed and Freelancers in Germany. From what I understand, if you live in an apartment furnished by the landlord and there are some accidental damages to the property contents, then it is advisable to have a Hapflichtversicherung. Home contents insurance is one of the most important types of insurance in Germany. The right electricity provider for your home, Finding a doctor that speaks your language, Applying for parental benefits – Elterngeld. Glass damage: the same applies to glass damage, for example, on your TV, smartphone or ceramic hob. What is SCHUFA: all about the German credit rating. If you continue to use this site we will assume that you are happy with it. If you’re brave enough to shop for insurance by yourself, then comparison sites like TarifCheck will do the trick. Translations in context of "household insurance" in English-German from Reverso Context: Specials: First time to rent after furnishing/renovation in November 2013 - including also GEZ and a household insurance. As you sign up for house insurance, create an inventory with all your belongings, complete with photos and receipts. The landlord should have a policy of their own, also for furniture and other belongings. Germany is a large country steeped in history and culture, and due to its varying regions tourists are able to enjoy urban sprawls, rural tranquillity and stunning ski resorts. Bicycles: living in a place that suffers from bike thefts, it’s important to be mindful that bikes aren’t always included in German house insurance. We use cookies to ensure that we give you the best experience on our website. Wherever you come from, you’ve probably already heard about this kind of insurance. Relocating. You may be able to get a reduced rate for a history of claims free driving. This cookie contains no personal data and is discarded when you close your browser. So if you live in a shared flat (WG) or on the ground floor where things can get stolen, or if you’re simply clumsy, you should probably consider it. How do i pick a good policy? Please find listed below the most common PROPERTY INSURANCES in Germany.. None of them is required by law but quite often Personal Liability- and Household Content Insurance cover must be proven to your landlord.. Negligence: house insurance also doesn’t pay the full amount for gross negligence, as in, if you leave your flat without closing a window and a theft occurs. If there are construction works taking place in the building of your apartment, which include scaffolding this should be reported as well since this could increase the risks of theft. If you log out of your account, the login cookies will be removed. I was also confused when I read Hausratversicherung for the first time! Building components are also not included – but if you’ve read the rest of this article, you’ll know that those are part of the homeowner’s insurance. So if you’re looking for the best house insurance Germany has to offer, then you might consider new players like Coya or GetSafe, . We mentioned liability insurance before – what’s the difference? That’s a tough question to answer on so little details because it depends on whose fault it is. First of all, in German it’s called Hausratversicherung, and no, it’s not insurance for your house pet rat! Simply because, you just never know until it’s too late. Insurance in Germany is a HUGE industry. Travel Insurance (Reiseversicherung) Travel insurance is for when you miss a flight or run into health troubles abroad. Quite helpful. The good thing is, whether it was destroyed, damaged or stolen, the insurance replaces the original value of an item, rather than the present value. I had put another load in the washing machine and thought about it no more, deep into my thoughts. Rain or snow: damage through rain or snow are also risks that aren’t covered by a home contents insurance in Germany. So whether house insurance is essential or not, I’ll let you decide. I’d suggest reading the policy terms closely. © 2020 - Settle in Berlin. They are also very supportively securing your everyday activities and those of your kids. hallo, Bastien. Can either of us get contents insurance, or should it be him as the sole named renter? Groben Fahrlässigkeit (Gross negligence): the “lack of slight diligence or care” or “a conscious, voluntary act or omission in reckless disregard of a legal duty and of the consequences to another party”, Selbstbeteiligung (deductible/excess): the amount that you would have to pay out of your pocket if an insured incident were to happen. Usually, fixing broken pipes/changing old pipes is up to the landlord, when it’s normal “aging” conditions. 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