🏆 2025 EXCLUSIVE Quality
Premium Home Protection • From €45/year
✅ Theft & Burglary ✅ Fire & Water Damage ✅ VIP English Support
Germany's most advanced home contents calculator with EXCLUSIVE quality
EXCLUSIVE contents insurance comparison loading...
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Home contents insurance is separate from building insurance. As a tenant, you need elite contents insurance to protect your belongings - your landlord's insurance only covers the building structure.
Coverage amount: Premium calculation: 650-750€ per m² living space
Underinsurance protection: Avoid gaps with regular sum updates
Security requirements: Enhanced locks for premium discounts
Valuable items: Elite coverage for high-value items
Bicycles: Premium protection up to €5,000 with upgrade
Away from home: Global temporary coverage when traveling
Studio Apartment (30m²)
Elite basic coverage, premium city location
€45-80
per year
2-Bedroom Apartment (70m²)
Premium coverage with enhanced protection
€120-220
per year
Elite Family House (120m²)
Comprehensive elite coverage with valuables
€280-450
per year
Install certified locks, security systems, or smoke detectors for premium discounts up to 30%.
Increase your excess to €200-750 to reduce annual premiums by 15-25%.
Combine with liability or building insurance for premium multi-policy discounts.
Pay annually instead of monthly to avoid fees and get elite discounts.
Rural areas and upper floors typically have lower crime rates and premium savings.
Review your policy yearly - switching providers can save €75-200 annually.
Absolutely! Your landlord's insurance only covers the building structure. Elite contents insurance protects your furniture, electronics, clothes, and personal belongings from theft, fire, and water damage.
The EXCLUSIVE calculation is 650-750€ per m² of living space. For a 70m² apartment, that's €45,500-52,500 coverage. Make an inventory of valuable items to ensure adequate protection.
Basic policies typically cover bicycles up to €1,500-3,000 for theft from locked areas only. For expensive bikes or street theft coverage, you need bicycle insurance or enhanced elite coverage.
Most elite policies include temporary coverage for items taken outside (holidays, business trips). Coverage is usually 15-25% of your total sum insured with EXCLUSIVE quality.
Elite claims are typically processed within 1-3 weeks. For theft or major damage, you may receive advance payments within 2-5 days. Keep receipts and photos of valuable items for faster processing.