Replacement value
Assess insured belongings on the basis of their current replacement cost.
Personal insuranceTenants and homeowners
The contents of your home may be worth more than you think.
Furniture, clothes, electronics and personal belongings add up. Household contents insurance can cover replacement value after an insured loss when the sum insured and policy terms fit the household.
No obligationAvailable across GermanyGerman / Turkish / English
Problem · Benefit · Decision
What this cover can solve for you.
Match replacement value to the way you actually live
Core insured risks
Check fire, escape of water, storm, hail and burglary under the selected policy.
Choose natural hazards cover
Flooding and other natural hazards are usually a separate extension.
Getting specific
What we will clarify together.
A sound decision starts with the right facts, not a blanket price promise.
- 01
Provide the correct living area and values
- 02
Check limits for valuables
- 03
Review glass cover for building glazing, glass-ceramic hobs, aquariums or terrariums and emergency glazing
- 04
Compare bicycle, natural hazards, away-from-home and gross-negligence cover
Important: Natural hazard losses and bicycle theft are not automatically covered by every policy. Wear, ageing, improper use, building defects and purely cosmetic damage may be excluded or subject to specific conditions.
Frequently asked questions
A few answers before you enquire.
01What counts as household contents?
In simple terms, it is what you could take with you when moving. Permanent parts of the building are usually excluded.
02Do I need natural hazards cover?
That depends on the location and your risk preference. Heavy rain can also cause losses far from rivers.
03What is a waiver of underinsurance?
When the calculation basis is correct, the insurer agrees under specified conditions not to test whether the contents were underinsured.
Free enquiry
Review my contents cover.
Tell us the living area, location and any particular values such as bicycles or high-value electronics.
- Initial assessment with no obligation
- German / Turkish / English
- We only reply through the channel you choose