What does household contents insurance cover – and what not?

4 min

Whether for tenants or for house and apartment owners: one good insurance can save you from financial ruin in difficult situations. Accidents can always happen and damage that can occur after a break-in, for example, often causes enormous costs and consequential costs. Other unpredictable situations that can lead to significant damage include fire outbreaks and natural disasters such as severe storms and floods.

In many cases, the people and families concerned have not taken the appropriate precautions before an accident and are not prepared for the high costs that will arise. Saving with small amounts is much easier than putting large amounts aside for emergencies. And this is how you should also look at monthly insurance premiums: Smaller regular costs flow into the insurance, which takes over the claims settlement if something should go wrong. Many people immediately think of household insurance. But what does this insurance actually cover – and what damage is not covered?

This is not covered by household insurance

As useful as home contents insurance can be, it does not cover all types of damage that can occur in the house or in the rented apartment. In order to avoid nasty surprises, you should therefore read your policy carefully when concluding the contract and find out for whom household insurance is useful.

Damage to the building and damage due to negligence

In the event of damage to the building, owners should remember to add an additional Homeowners Insurance to be concluded, as the home contents insurance usually does not cover damage to buildings. If an item in the household breaks or breaks, the insurance cover does not cover it either. While it is possible that the insurance company pays the costs in certain cases, it is common for homeowners or tenants not to be covered if they act negligently.

negligence can arise, for example, when an object is not carried carefully and falls down during transport or when careless with a candle is bypassed, which burns unobserved and over a longer period of time. Incidentally, if tenants damage the walls of their apartment or any other area, this is what you need Personal liability insurance responsible.

Theft outside the house or apartment

Every insurance company has its own list of things and situations that are covered. Therefore, it is important to compare different providers before making a decision. Most insurers offer it Protection against burglary and vandalism, but here, too, it depends on the exact wording of the policy and the description of the process in the police report. If the break-in is not carried out directly into the house or apartment, but only in the vicinity, for example in a garage, some insurers may decline and see no claim to compensation. Such a situation is, for example, the theft of the wallet while shopping or the Theft of a handbag.

In individual cases, insurance covers thefts that do not happen in the house. If this is in the interests of the owner or tenant, this should be taken into account when choosing insurance.

To avoid disappointment, some vendors even use artificial intelligence to make sure the right one insurance for household effects and liability is selected according to the individual needs of the customer.

The household insurance takes care of that

Insurance does not directly reimburse the value of an item that the insured person paid at the time the furniture and objects were purchased, but the costs that would have been incurred if the damaged or stolen household items had been purchased again at the time of the damage, minus this the loss of value due to usage and signs of age. This applies to, for example furniture, Carpets and even clothing. Electrical appliances in the kitchen as well as others Technical Devices also fall into this category. Even food and beverages are sometimes counted as household items and can be insured accordingly. This is especially worthwhile with a large pantry with gourmet foods such as high-priced whole ham legs or wines.

Jewellery to a certain value also counts, whereby at the time of the conclusion of the contract it must be stated how high this value is. However, very expensive or rare jewelry should be insured separately. Some insurers even reimburse sums of money stolen or made unusable in a fire. However, here too, insurance is only available up to a certain amount.

Tip: If you have also insured valuables, jewelry and money, you should update the value of your household items regularly and report them to the insurance company. This is the only way you can be sure that the insurance cover adequately covers all items and valuables.

House cover often makes sense when buying a home

Buying your first home is often very exciting for everyone involved. A lot of time, work and money is usually invested in the purchase and subsequent renovation. Furniture and furnishings are carefully planned and adjusted if necessary. Comprehensive work is often done in some rooms, for example in the kitchen or bathroom. There will be kitchen cupboards Kitchen faucets, Sinks, showers and much more installed.

Homeowners do some projects themselves to save costs or just because it can be great fun. It can be a great feeling to know that certain parts of your new home have been built with your own hands. Because so much work is put into a new property, it often pays to protect yourself with insurance.

When choosing an insurance tariff, interested parties should still take their time and really make sure that everything important is covered. There is nothing annoying than having insurance that does not cover what it was originally intended for after an accident and in an emergency situation. If you are overwhelmed with comparing the many insurance tariffs, consider hiring a reputable insurance broker. A professional intermediary knows all of the tricks and loopholes that insurance policies involve. He can therefore respond directly to your requirements and present the tariff that best suits you. But even with support from an intermediary, you should always read the small print very carefully and clarify all open questions before signing.

Photo credits: stock.adobe.com/Jürgen Fälchle (sorted chronologically or according to the order of the images used in the buying guide)


Passionate about DIY for over 10 years and all the new tools, I give you through this blog all my advice, tips, tests in all areas: carpentry, electricity, masonry, gardening, home automation ...


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