Household supplementary insurance
The household insurance replaces damage to objects of its own home furnishings in the case of fire, burglary, vandalism, tap water, storm and hail. Household article insurance always makes sense if the reconstruction of the apartment financially caused by a financial loss.
The facility also includes pets, cash up to 1000 euros, carpets, electrical appliances, borrowed items, garden tools and camping equipment. The replacement value is generally paid.
-Scope of services Comprehensive performance With household insurance, you protect your entire belongings against burglary, robbery, fire, vandalism, lightning, explosion, tap water, storm and hail damage. The insurer also replaces unusual risks such as damage from vehicle attacks or aircraft crashes. Depending on the tariff, the insured person receives replacements, even in the event of freezing damage after power failure, loss of keys or in the event of damage after internal unrest. The insurer usually replaces the replacement value of the destroyed or stolen household council. In the case of damaged items, the required repair costs are reimbursed, maximum replacement price. In addition to the actual damage to property, up to a maximum limit, hotel costs are also reimbursed if the apartment has become uninhabitable after an insured event. The same applies to return journey or moving costs after a particularly serious insured event.
-Who needs them? You should not refrain from household insurance if the value of your household council is so high that the destruction can mean serious financial damage to you, for example, by a - not so rare - housing fire, or even by vandalism or natural events. This is often the case if you have increased the value of your home furnishings over the years, for example by purchasing exclusive furniture or a high-quality kitchen. The value of entertainment selectonics can also reach considerable sums. Important for young people too Household insurance can already be important for young people: household warehouse protection over the parents falls away into their own apartment with the extract, now you have to provide the right insurance cover yourself. Even a small carelessness - for example a fallen candle - can lead to total loss. This is particularly burdensome if you had plundered your bank account for the new living room, the designer built-in kitchen or the chic bedroom furniture up to the last cent. The acquisition of new losses after damage at the latest shows how important good household insurance is already for young people.
-Caution sub-insurance Limited benefits The sum insured in household warehouse insurance should correspond to the amount that would have to be spent in the event of an emergency for the new purchase of the household council. Nevertheless, many consumers are using the sum insured too low. This can be disastrous in case of emergency: it turns out to be insured in the event of damage, the insurer can cut the compensation. Then only part of the damage is compensated in the event of a burglary or fire. If the insured sum, for example, the sum insured amounts to 40,000 euros with a total value of the household council of now 60,000 euros, they are under-insured at 33 percent. If, for example, the housing fire is caused by a loss of 12,000 euros, the household warehouse insurance compensates only two thirds, i.e. 8,000 euros. Tip: Check regularly whether household items and insurance sum still match - and adjust the policy in time. Many providers waive the right to cut compensation for under insurance if you want to settle the household items with a fixed sum of approx. 600 - 700 euros per square metre. This is worthwhile with expensively furnished apartments. If you have something valuable in the first own apartment, however, can save if he calculates the value of his household council as if he calculates the value of his household council as if at an inventory - simply list all valuables and add the replacement values. However, increase the insured sum in good time if the household item is supplemented by valuable new purchases. Some companies offer special rates for young people who insure their first home. It is worth comparing the prices again and again: some companies advertise with low rates to attract new customers. By switching to a cheap supplier, consumers can therefore save strongly.
-The cost A good household insurance cover is cheaper than you think. You will receive an insured sum of 50,000 euros in the standard protection for a contribution of well below 100 euros per year. Important: Before taking out household insurance, you should make a list of all valuables in your household with the estimated value. You should also store purchase receipts, from antiques you can take photos. This list will then help you to estimate the value of your household council and thus determine the correct insurance sum. In the event of a damage, you can then use this list to check the damage. Experts recommend an insured sum of approx. 650 euros per square metre.
-What do I need to consider? Certain risks are only limited insurance in the standard homeware protection. Depending on the insurer and tariff, this can be used, for example, Bicycle theft or storm damage. Especially secure bicycles Although bicycles are insured against all basic hazards at the place of insurance - a bike is stolen outside the insurance location, the insurers usually only provide if the wheel was sufficiently secured, e.g. by a safety lock. If the bicycle is stolen between 10 p.m. and 6 o'clock in the morning, the insurer shall afford to do so when the bike was in the apartment, cellar or garage at the time of theft (some household insurers now forego this so-called night clause). Exception: the owner was still on the road at that time. The sum insured for bicycles is often restricted, the policyholder often has to assume an excess in the event of a claim. In some cases, insurers demand an additional contribution to the inclusion of bicycles. Storm damage from wind strength 8 And the following applies to storm damage: Household content insurers only occur for those storm damage that has occurred in wind forces 8 or more. To this end, the insurers hold a storm register, which is regularly fed with current weather data.
-Outside the apartment When the household council goes on a trip Again and again it happens that household household is kept temporarily or for a longer period of time outside the insured apartment. But don't worry: usually household warehouse members are insured, which is temporarily outside the insured apartment during travel or for training, military or civilian service or because of the policyholder's professional stay. In addition to the duration of insurance, however, the insured sum may be restricted when outsourcing house warehouse members. During a move, the old and the new apartment are insured at the same time - provided that one changes the place of residence within Germany. With the final change of apartment, but at the latest two months after the start of the move, only the new stay is insured. Important: The change of apartment often changes the value of the household council: those who receive a larger apartment often create more furnishings, so that the overall condition exceeds the old sum insure. Therefore, after a move, it is absolutely necessary to check whether the insured sum still corresponds to the current value of the household council. If not, customize the policy immediately!