SUSTAINABLE INSURANCE POLICIESADMINISTRATING YOUR LOSSES IN THE EVENT OF DAMAGE

The things with which you habitually surround yourself will make you feel good. Do not underestimate their material value, which you must compensate for in the event of damage. For example, if all movable objects in your household fall victim to a fire, you will suffer a tremendous financial loss.

Household insurance for private provision should therefore not be missing in any household. In the event of an insured event, not only the destroyed items are reimbursed at replacement value, but also the costs for clean-up work, repairs or hotel accommodation. Thus your private property is completely covered in the event of damage.

With Insurance Broker plus you bring security into your home. You will receive a free comparison of the rates of 25 providers. Design your household contents insurance and take out the policy now. Losses can be cushioned: with Insurance Broker Household plus!

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RELIABLE SOLUTIONS

Customer-oriented &
reliably

NATIONALITY
It is essential to make sure that windows and doors are closed when leaving the house. If you are guilty of negligence in this respect, the insurer may refuse to pay damages in whole or in part.

DEDUCTIBLE
With an agreement on a partial excess in the event of a claim, the insurance premium can be permanently reduced.

REMOVAL
You should report a move to your insurer immediately and take this opportunity to have your sum insured redetermined. For a transitional period of two months, your household contents in your old apartment are still protected.

HOUSEHOLD CONSOLIDATION
If households are merged, you should check whether there are two household insurance policies. The more recent contract can be terminated immediately.

UNDERINSURANCE
It makes sense to have the replacement value of your household goods estimated regularly. If the sum insured is set too low, you will have double the damage in the event of a claim, as the replacement can only be refinanced proportionally.

BICYCLE THEFT
Some policies include the risk of a bicycle theft from enclosed spaces. If you own an expensive bicycle, it makes sense to extend your contract to include bicycle theft outside closed rooms.

WHICH ADDITIONAL SERVICES ARE USEFUL?

GLASS BREAKING
You can add glass breakage insurance to your policy to cover the cost of destroyed glass, to include window panes, conservatories, glass panes of paintings, mirrors, aquariums and, with some suppliers, ceramic and induction hobs.

OVERVOLTAGE DAMAGE
If you own high-quality television, audio equipment or computers, it is advisable to include surge damage caused by lightning, as this often occurs after a thunderstorm.

AND ANOTHER NOTE:
Keep the damage as small as possible. Secure damaged and destroyed items and list them. If an expert wants to inspect the place where the accident occurred, no changes should have been made before. Give the insurance company all critical information, receipts, invoices or receipts.

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HÄUFIGE FRAGEN

WHY SHOULD YOU TAKE OUT HOMEOWNER'S INSURANCE?

A household insurance policy is useful for you if you run your household. Fire or burglary can cause a substantial financial loss. Especially if your furniture is precious, or if you have high-quality technical equipment, household insurance makes sense. The same applies if you live in a single house.
Calculate the value of your entire property and consider whether you could replace it out of your pocket in the event of damage. If not, you should take out household insurance.

WHAT IS THE CORRECT SUM INSURED?

The sum insured should correspond to the current replacement value of your household contents. Insurers typically estimate 500 to 700€ per square metre of living space. However, if the cost of your household contents is lower or even higher, you can determine an appropriate sum insured yourself. You should regularly check whether the sum insured is still necessary to avoid over- or underinsurance. The insurer will learn your premium based on the sum insured, the tariff zone in which you live and the type of house.

WHAT DOES A HOME CONTENTS INSURANCE COVER?

Household contents insurance protects the everyday objects in your private home. In addition to the apartment, the living area also includes the balcony, terrace, outhouse, garage and laundry room. Also insured are valuables up to a fixed height, work and sports equipment, vehicles (e.g. lawnmowers, toy vehicles) and awnings that are mounted on the outside.
The household insurance covers damage caused by fire, lightning, explosion, tap water, burglary, robbery or storm. Risks such as glass breakage or bicycle theft can be included in the insurance policy.

WHAT TO DO IN CASE OF DAMAGE?

Report the damage to your insurer immediately. The police must be informed in the event of damage caused by burglary, theft or robbery. Have stolen credit cards or savings books blocked immediately. In the event of bicycle theft, inform the police of the manufacturer, make and frame number.

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