Quality Contents
Insurance 2025
2025 Verified Quality
Premium Home Protection • From €45/year
Theft & Burglary - Fire & Water Damage - Professional English Support
Germany Trusts Verified
Quality Contents Insurance Comparison
Germany's most advanced home contents calculator with Verified quality
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Quality Contents Insurance Guide 2026
Coverage
- Furniture & furnishings: Sofas, beds, wardrobes, premium items
- Electronics & tech: TVs, computers, gaming consoles, smart home devices
- Personal belongings: Designer clothes, jewelry, watches, collections
- Kitchen appliances: Premium fridges, ovens, coffee machines
- Valuables: Art, antiques, precious metals (enhanced limits)
- Home office equipment: Professional computers, printers, furniture
Protection Types
- Theft & burglary: Break-ins, robbery, vandalism protection
- Fire damage: Fire, lightning strikes, explosions coverage
- Water damage: Burst pipes, leaking appliances protection
- Storm damage: Hail, strong winds (Beaufort 8+) coverage
- Accidental damage: Premium mishap protection (optional)
- Glass breakage: Windows, mirrors, ceramic hobs coverage
Verified Expert Advice - Tenants & Homeowners:
Home contents insurance is separate from building insurance. As a tenant, you need 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: Quality coverage for high-value items
Bicycles: Premium protection up to €5,000 with upgrade
Away from home: Global temporary coverage when traveling
German Contents Insurance Costs (2025)
Studio Apartment (30m²)
Basic coverage, city location
€45-80
per year
2-Bedroom Apartment (70m²)
Coverage with enhanced protection
€120-220
per year
Family House (120m²)
Comprehensive coverage with valuables
€280-450
per year
Verified Money-Saving Strategies
Security Upgrades
Install certified locks, security systems, or smoke detectors for discounts up to 30%.
Strategic Excess
Increase your excess to €200-750 to reduce annual premiums by 15-25%.
Bundle Policies
Combine with liability or building insurance for multi-policy discounts.
Annual Payment
Pay annually instead of monthly to avoid fees and get discounts.
Location Advantage
Rural areas and upper floors typically have lower crime rates and savings.
Verified Annual Review
Review your policy yearly - switching providers can save €75-200 annually.
Verified Expert Answers
Do I need contents insurance as a tenant?
Absolutely! Your landlord's insurance only covers the building structure. Contents insurance protects your furniture, electronics, clothes, and personal belongings from theft, fire, and water damage.
How much coverage do I need?
The Verified 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.
Are bicycles covered under policies?
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 coverage.
What about items away from home?
Most policies include temporary coverage for items taken outside (holidays, business trips). Coverage is usually 15-25% of your total sum insured with Verified quality.
How quickly are Verified claims processed?
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.