{"id":37695,"date":"2026-05-04T08:08:09","date_gmt":"2026-05-04T07:08:09","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=37695"},"modified":"2026-05-15T08:22:38","modified_gmt":"2026-05-15T07:22:38","slug":"home-glass-insurance-germany","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/home-glass-insurance-germany\/","title":{"rendered":"Home and Glass Insurance in Germany: What It Covers and How to Get It"},"content":{"rendered":"\t\t
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\n HAUSRATVERSICHERUNG \u00b7 GERMANY<\/span>\n

Protect your home in Germany with the right insurance<\/h1>\n

We help you choose the home and glass insurance that best fits your situation, with free advice and straightforward management in your language.<\/p>\n

\n Request free quotes<\/a>\n Talk to an adviser<\/a>\n <\/div>\n

Free advice<\/strong> \u00b7 No commitment and in your language<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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What does home insurance cover in Germany?<\/h2>\n

Home insurance in Germany (Hausratversicherung) covers your personal belongings inside your home<\/strong>: furniture, appliances, clothing, jewellery, high-value watches and other personal items. Your bicycle can also be included as an optional add-on.<\/p>\n

It is important to understand that it only covers items that belong to you<\/strong>. If the kitchen is part of the rented flat and included in the rent, it is not covered by this insurance. For damage you may cause to the landlord's property, you also need personal liability insurance<\/a>.<\/p>\n

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Fire<\/h3>\n

Damage caused by fire, lightning, explosion or implosion affecting your belongings.<\/p>\n <\/div>\n

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Water damage<\/h3>\n

Damage from flooding, burst pipes or water ingress that damages your possessions.<\/p>\n <\/div>\n

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Theft<\/h3>\n

Loss of belongings due to burglary or theft in your home.<\/p>\n <\/div>\n

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Natural events<\/h3>\n

Damage caused by storms, hail or other adverse weather conditions.<\/p>\n <\/div>\n

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Bicycle (optional)<\/h3>\n

You can add bicycle cover as an optional complement to your home insurance.<\/p>\n <\/div>\n

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Glass (optional)<\/h3>\n

Breakage of windows, glazed doors and the ceramic hob in your kitchen.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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Home insurance (Hausratversicherung)<\/h2>\n

Covers all your personal belongings inside the home against fire, water damage, theft and natural events. Furniture, appliances, clothing, jewellery and valuables are all protected. The price depends on the flat's square footage and the value of the insured items. A family policy typically costs between \u20ac80 and \u20ac120 per year<\/strong>.<\/p>\n