German Household Insurance

German HOUSEHOLD Insurance For Expats

Household Insurance in Germany

One of the most important types of insurance in Germany is German household insurance. Household insurance covers damages to your belongings caused by vandalism, storms, water, and fire. In addition, if someone breaks into your house and steals your belongings, household insurance covers the cost of replacements. Of course, how much coverage you have depends on the policy you purchase. Therefore, it’s important to read the fine print to find out what exactly is covered in your plan. 

Unlike German health insurance, you are not required by law to have household insurance. However, it’s a really good insurance to have in Germany. In fact, some landlords will not rent a furnished flat to you if you don’t have household insurance.

Sections in this article:

  • What’s covered with household insurance?
  • What’s not covered?
  • How much does it cost?
  • Costs without German household insurance
  • Which insurance is right for you?
  • Why COYA?

* You should also know that household insurance is not the same as homeowners insurance. It’s easy to get them confused. Household insurance normally insures your belongings inside your home. On the other hand, homeowners insurance is for damages to the home itself. For example, let’s say you have a water leak in your flat and your furniture and floors are ruined. Household insurance would cover the damages to your furniture and homeowners insurance would cover the damages to your floor. 


What’s covered with household insurance?

Coverage normally includes:

  • Jewelry and cash
  • Home electronics (TV, coffee machine, refrigerator)
  • Household pets
  • Clothing and shoes
  • Furniture and carpets
  • Antennas or marquees that are part of your home/apartment

When the damages are caused by:

  • Robbery/Theft
  • Vandalism
  • Water damage
  • Fire and smoke damage
  • Storm damage (wind, hail, lightning)

Some household insurance policies also cover damages to your belongings outside the home. For example, if someone steals your jewelry and cash from your hotel room while you’re on vacation, your household insurance provider might cover the cost of what was stolen from you. Check before purchasing your insurance plan to see the specifics of what’s covered. 


What’s not covered?

  • Most damage to walls, ceiling, or flooring
  • Damage caused by pets
  • Items outside your residence (For this you’ll want personal liability insurance)
  • Self-inflicted damage
  • Anything covered by homeowners insurance
  • Stolen bikes (You can get information on German bike insurance here)

How much does it cost?

Household insurance is less expensive than many other types of insurance in Germany. How much you pay for household insurance, however, is contingent on many things. For instance, a property in a city neighborhood prone to crime is more vulnerable to theft than a property in the countryside. As a result, household insurance for the property in the city might cost more than it would for the property in the countryside. This is simply because a property in the city is more of a risk for household insurance providers. Nevertheless, you can usually purchase a basic policy for less than 50€ per year regardless of your zip code. Some insurance providers, such as COYA, offer a starting monthly cost for household insurance at 1.79€. 


Costs Without German Household Insurance 

  • Part of a tree next to your house breaks due to a bad thunderstorm. It crashes through your home office’s window and breaks your desk and computer. Without household insurance, you’ll have to pay at least 600€ to replace the desk and computer.
  • You come home from a long day at work and see that your washing machine broke. Water leaked everywhere while you were gone. You can smell mold already growing on your new carpet. It’s ruined, and will cost you close to 400€ to replace.
  • While you’re on vacation a thief breaks into your house. He steals your laptop, TV and jewelry. In total, the thief stole almost 2000€ worth of your belongings. 

Which insurance is right for you?

There are many household insurance providers in Germany. For English-speaking expats, however, we think COYA is the best option. They offer great services for expats in Germany. 


Why COYA?

COYA’s household insurance starting monthly price is only 1.79€. 

Every policy includes the following: 

  • Customized policies specific for your needs
  • No fixed duration (meaning you can cancel your insurance at anytime)
  • English website
  • English customer support services
  • No general excess (also known as no deductible)

Click here to learn more about what COYA’s household insurance offers. 


After reading about household insurance, you might also be interested in personal liability insurance. German personal liability insurance protects you financially when you cause damage to another person or his/her property. It’s one of the most important insurances you can purchase in Germany. Our article, “Personal Liability Insurance in Germany: A Guide for Expats,” explains everything you need to know! 

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