Household contents insurance covers only the primary residence, which is the location where you live most of the time and keep most belongings. If you rent out an apartment or own multiple residences, only the primary address is insured. Tenant's belongings require their own insurance. Properties outside Germany are not covered.
What is considered the primary residence for household contents insurance?
The primary residence is the home where you live most of the time and where you typically store the majority of your belongings. Household contents insurance only covers the primary residence listed on your policy.
Does household contents insurance cover multiple residences or rented properties?
Household contents insurance covers only one insured location: your primary residence. This means:
If you maintain dual residences by continuing to live in a previous apartment as well as a new address in Germany, only the residence listed as primary on your policy is covered.
If you own a second property that you rent out, the belongings at that rental property are not covered under your policy.
How can belongings in a rented apartment be covered?
If you rent out an apartment, the tenant must obtain their own household contents insurance policy to cover their personal belongings in that property.
Are properties outside Germany covered by household contents insurance? Properties owned outside of Germany are not covered under this household contents insurance policy.