External Insurance for Tenants in Germany
What is external insurance?
External insurance extends coverage for household items or personal belongings when they are stored or used outside the tenant's own apartment. For tenants in Germany this means items like bicycles, sports equipment or luggage can be insured under certain conditions. The concrete rights and duties in rental relationships are found in the BGB, and rental disputes are decided by the local court (Amtsgericht).[1]
For shared flats it is worthwhile to check insurance coverage carefully.
What does external insurance cover for shared flats?
- Bicycles, e-scooters and sports equipment stored outside the apartment.
- Personal items in case of theft outside the living space.
- Items temporarily stored with friends.
- Damage from vandalism to personal belongings.
Document damage immediately with photos and witness statements.
Steps after damage
Here is what to do: collect evidence, inform the insurer, notify the police if necessary, and observe deadlines.
- Secure receipts and photos.
- Report the damage within the reporting deadline.
- Complete and submit forms.
- Consider filing a claim at the local court if in dispute[2].
Respond in writing to insurer requests and keep deadlines in mind.
How-To
- Collect receipts, photos and witness statements.
- Report the damage to the insurer within the deadline.
- Submit the damage report and evidence; use official forms.
- Prepare for proceedings: check information and forms at the local court[3].
FAQ
- Does external insurance cover bicycle theft in front of the shared flat?
- Often yes, if the policy includes items stored outside the apartment; check the terms and conditions.
- Do I need a separate liability policy for shared-flat common areas?
- Liability insurance covers personal liability; shared-flat rules may differ—clarify responsibilities in the lease.
- What deadlines apply for reporting damage?
- Insurers usually require short reporting deadlines; read your policy and report damage immediately.
Help and Support / Resources
- BGB §§ 535–580a: Tenancy law
- Federal Court of Justice: tenancy decisions
- Justice portal: forms and local courts
