Home Contents Insurance (Hausratsversicherung)

Today’s increasing prices make it ever more important to adequately insure the contents of one's home, for example furniture, clothes, valuables and other belongings. This applies also to those living in rented accommodation or those sharing with friends.

The purpose of contents insurance is to secure the insured against the risk of damage by fire, storm, flood, theft etc. on the basis of a replacement-as-new policy. In most cases, cover is given to contents which are temporarily outside the home. However, there are restrictions, e.g. bikes are not usually protected against theft.

As always, contributions and policies vary between insurers. For homes in Göttingen, the annual contribution ranges from 1 to 2 Euros per 1.000 Euros to be insured, while the minimum amount ranges from 20 to 50 Euros per year.