# Expert Advice to Protect Your Home in Germany | Stay

Your stuff at new value. No depreciation, no haggling.

Household contents (Hausrat) in Germany pays you the cost to replace, not the resale value. Bikes, electronics, designer wardrobe, glass, even a 2-month rental if your apartment becomes uninhabitable. We set it up in one conversation.

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Key features of house contents insurance

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Covers your belongings

From items that have special value to everyday essentials, this insurance helps protect them if something unexpected happens.

Financial support for repairs

Covers the cost to repair or replace your belongings if they're damaged, stolen, or destroyed.

Bicycle theft

Your bicycle is covered against vandalism and theft, not matter if it is at home or infront of the beer garden.

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## Is household contents insurance worth having in Germany?

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2015.12.16.png)

### Protect your valuables

Accidents at home happen all the time: from fires and water leaks to theft or broken gadgets. With household contents insurance, you can replace or repair your valuables without the stress of unexpected costs.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2015.26.10.png)

### Protection outside home

Some policies also cover personal items when you take them outside — like laptops, bikes, or smartphones — in case they're stolen or damaged.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2015.23.08.png)

### Temporary accommodation costs

If your home becomes uninhabitable after a covered event, some plans help pay for temporary housing so you're not left looking for a place to stay.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2015.22.56.png)

### Ideal for renters

Your landlord's insurance usually only covers the building itself, not your furniture or personal belongings. Household contents insurance protects everything you've made your home.

![](https://stayinsured.de/hs-fs/hubfs/Insurance%20Banner%20Thumb.webp?width=4096&height=2730&name=Insurance%20Banner%20Thumb.webp)

### Not sure if house contents insurance is right for you? Let's talk about your options

Get insured today

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## What people say about us

An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

D Darren S. Navigating German health insurance

I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

S Sonya Freelancer

I have receive a very personalized attention since the beginning with a very high professionalism.

J J. Starting work in Germany

All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios.

A Anonym International specialist

Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

V Vahid B. Newcomer to Germany

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## Quick answers to questions you may have

### Who needs house contents insurance — renters or homeowners?

### Is house contents insurance compulsory in Germany?

### What does house contents insurance cover?

### How much does house contents insurance cost in Germany?

### Does house contents insurance cover accidental damage in a rental?

# Clear guidance, tailored to your needs — just the best options for you.

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