German Insurance Forms

German Insurance Quotes and Applications

German Insurance Forms

German Insurance Quotes and Applications

Household Contents

Securing Your Home in Germany: Why Household Contents Insurance Matters


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When moving to or living in Germany, you may already know that Personal Liability Insurance (Privathaftpflicht) is considered essential. However, Household Contents Insurance (Hausratversicherung) plays an equally vital role in protecting your financial security.

To put it simply: While the building itself is insured by your landlord (or through a separate building insurance if you own the property), contents insurance protects everything that actually belongs to you inside your apartment.

💡 Imagine turning your home upside down—everything that falls out is considered your household contents.

A Major Difference from the US and UK: Unlike standard “Renters Insurance” or UK “Home Insurance”, which typically bundles the protection of your belongings and your personal liability into one single package, the German system strictly separates these coverages. The reason is simple: each insurance company has its own strengths. The provider with the best personal liability coverage on the market might not offer the most advantageous conditions for your household contents. By separating these policies, we have the freedom to “cherry-pick” the absolute best specialists for each specific area, guaranteeing you optimal coverage without any compromises.

More Than Just Basic Protection

A standard policy protects your belongings against fire, burglary, tap water damage, and natural hazards like storms and hail. But the German insurance market offers much more than basic protection, allowing you to tailor your coverage:

  • 🛠️ Home Assistance (Wohnungsschutzbrief): A lifeline in an emergency, covering the costs for locksmiths, plumbing, pest control, or even temporary hotel accommodation and psychological support.
  • 🚴 Bicycle Protection: Most standard policies only pay if the entire bicycle is stolen. You can opt for specific insurers that explicitly cover the theft of individual bicycle parts.
  • 💻 Cyber Security: Specific modules for internet legal protection against cybercrime.
  • ❓ Unnamed Perils: An add-on which covers almost any unforeseen damage not explicitly excluded in the conditions.
  • 🏡 Holiday Homes: Certain insurers can easily extend your contents coverage to a secondary residence used for vacation purposes elsewhere in Europe.

Why is there no “flat rate”?

Because of this immense variety, it is practically impossible to offer a “one-size-fits-all” flat rate. Your insurance premium is highly individualized. It depends on the exact size of your living space and your specific postal code. Prices vary from city to city and village to village, influenced by local factors such as statistical burglary rates or whether a nearby river is prone to flooding.

This is where we come in.

To build the perfect safety net for your home, we need to know a little bit more about you. Please fill out the form below to tell us what coverage details are most important to you. We don’t just sell off-the-shelf products; we filter the market based on your unique needs. Once we have identified the policies that fulfill 100% of your requirements, we will sort them by price to offer you the most cost-effective solution.

EN Hausrat kurz

Get a German Household Contents Insurance Quote

Request a quote for your German home, based on the following details. For general inquiries, you can also use our simple contact form. 

If you cannot confirm the statement above, please provide details about your previous insurance situation:

  • Name of the previous insurer and policy number

  • End date of the contract

  • Contract status (active or canceled – if canceled, was it by you or the insurer?)

  • Details of any claims within the last 5 years (date, type of damage, and claim cost)"

Please provide your German address for this coverage

🇬🇧 LEGAL INFORMATION REGARDING YOUR QUOTE REQUEST

Data Storage and Processing: You consent that your data – as far as necessary – will be stored by Bechstein Versicherungsmakler GmbH & Co. KG and shared with our service provider "blau direkt" and potential insurers solely to generate and provide your requested quote. The processing of your data is governed by the European General Data Protection Regulation (GDPR) and the German Federal Data Protection Act (BDSG).

Duty of Disclosure: All statements in this request must be answered carefully, completely, and correctly to the best of your knowledge to ensure an accurate quote. Any future binding contract will rely on the accuracy of this information.

Type of Consultation: Unless otherwise documented, this inquiry is conducted interactively and on your own responsibility via an online process. A comprehensive overall needs analysis was not carried out, but can be requested personally at any time.

Contract Terms and Conditions: All relevant insurance terms, conditions, and consumer information sheets will be provided to you along with your personalized quote. Please note that the German terms and conditions are always the legally binding versions.

Broker Mandate: By submitting this request, you grant Bechstein Versicherungsmakler GmbH & Co. KG a limited broker mandate to obtain quotes on your behalf. No consultation fees or additional costs apply to you, as our remuneration is paid directly by the insurance companies if a contract is eventually concluded.