Household Contents Insurance Comparison 2026
Your entire household protected – against burglary, fire, water and more
Household contents insurance protects your movable property in your home from dangers like burglary, fire, water leaks and storms.
Household contents include everything you would take with you when moving: furniture, electronics, clothing, appliances, books and more.
Important: Your household often has a much higher value than you think. A 2-person household quickly reaches €40,000-60,000.
Furniture & Furnishings
Cabinets, tables, sofas, beds, shelves
Electronics
TV, computer, tablets, smartphones, gaming consoles
Household appliances
Refrigerator, washing machine, coffee machine, vacuum
Clothing & textiles
Clothing, shoes, bedding, curtains
Valuables
Jewelry, cash, watches, art (limited)
Bicycles
Bicycles in the apartment (outside with add-on)
Other
Tools, books, toys, sports equipment
Note on valuables: Cash, jewelry and art objects are often only insured up to maximum limits (e.g. 20% of the sum insured).
Burglary
Thieves break into your home and steal valuables.
Benefit: Fully covered up to the sum insured
Water pipe damage
A water pipe breaks and soaks furniture, carpets and electronics.
Benefit: Repair or replacement of damaged items
Fire
A cable fire destroys parts of your furnishings.
Benefit: Full new value compensation
Storm and hail
A storm damages windows and soaks furniture. Hail destroys the awning.
Benefit: Damages from wind force 8 are covered
- Protection from burglary, theft and robbery
- Coverage for fire, lightning and explosion
- Coverage for water pipe damage
- Glass breakage included
- Storm and hail damage covered
- Overvoltage damage from lightning
- External insurance (vacation, education)
- Bicycle theft optionally insurable
The sum insured should equal the new value of your entire household. There are two methods:
Flat-rate method (recommended)
The sum insured is calculated based on living space:
Living space (m²) × €650 = sum insured
Example: 80 m² × €650 = €52,000 sum insured
Individual valuation
You estimate the value of each item. This method is more accurate but tedious.
Tip: Choose the flat-rate method – it's simpler and protects against under-insurance.
Bicycle theft (outside the home)
Standard tariffs only cover bikes in the home. With this add-on, also insured on the street.
Natural hazards
Coverage against flooding, earthquakes, landslides and snow pressure.
Glass breakage
Covers damage to glass panes, ceramic hobs, aquariums and mirrors.
Gross negligence
Modern tariffs waive the gross negligence objection.
New value compensation: Make sure the insurance replaces at new value, not current value.
Avoid under-insurance: If your sum insured is too low, the insurance pays only proportionally in case of damage.
External insurance: Your contents are also insured outside the home – usually up to 10% of the sum insured.
Deductible: A deductible reduces the premium.
Document valuables: Photograph valuable items and keep purchase receipts.
Reporting obligation: When moving or expanding, you must inform the insurance.