Your household contents insurance policy only covers your primary residence. Your primary residence is the place where you live most of the time and where you typically keep the majority of your belongings.

If you continue to live in your previous apartment in addition to a new address in Germany (dual residence) or you purchase a second property that you plan to rent out, only the primary address on the policy is covered as the insured location.

If you would like to have the belongings in a property you rent out covered, you will have to ask your tenant to take out their own household contents insurance policy in their name.

Additionally, if you own another apartment outside of Germany, please note that it will not be covered under this policy.