External Insurance for Students: Tenants in Germany
Many students in Germany are unsure whether and when external insurance makes sense. This policy often complements household insurance by protecting belongings outside the apartment—for example in shared flats, during visits or while traveling. For tenants it is important to know which risks are covered, how compensation is calculated and what obligations exist vis-à-vis the landlord. We explain in plain language which damages are typically covered, which exclusions apply and how premiums and deductibles differ. We also show practical comparison steps, which official forms or proofs are often required and how students can find affordable suitable coverage that fits the tenancy in Germany.
What is external insurance?
External insurance covers items outside the insured household location. For students this means protection for laptops, bikes or instruments when they are not in the tenants own flat but in another accommodation, in lecture halls or while traveling.
Important for tenants
- Covers damage and theft outside the dwelling that the household insurance does not cover inside the home.
- Often has its own limits and compensation rules; check insured values and sum limits.
- Notification duties and proofs: report damage in writing and keep receipts, photos and police reports.
- Document evidence promptly: photos, serial numbers and witnesses increase chances for settlement.
Typical exclusions
- Intentionally caused damage is generally excluded.
- Damage due to gross negligence can be reduced or denied.
- Special risks such as damages abroad or extreme sports are often separately insured.
Legal basics and forms
Relevant legal bases for tenancy relationships are found in the Civil Code (BGB), particularly on duties and rights of tenants and landlords. For court procedures, the Civil Procedure Code (ZPO) applies, for example if an eviction suit is filed[1][2]. Typical forms in disputes are complaint forms at the competent local court or the payment order under the ZPO; these templates and information are available at the local court.
Practical example: If you receive a notice of termination, check it in writing, prepare a response or termination defense if necessary, and observe deadlines. In unclear legal situations contact the competent local court early to clarify deadlines and required forms.
How disputes proceed: Local court and possibly the BGH
Tenancy disputes are usually heard at the local court (Amtsgericht) in the first instance. In higher instances the regional court decides; fundamental legal questions can be clarified by the Federal Court of Justice (BGH) on appeal[3]. Early documentation and communication with landlord or insurer often help avoid lawsuits.
FAQ
- Does external insurance cover bicycle theft on campus?
- Often yes, if the theft occurred outside the apartment and was not caused by gross negligence; check the policy for specific bicycle clauses.
- Is my landlord required to take out external insurance?
- No, external insurance is a private decision; landlords are not obliged to take out such policies for tenants.
- How do I submit a claim correctly?
- Report the damage in writing, attach photos, receipts and a police report if available, and keep all documents.
How-To
- List your important items with values and serial numbers.
- Compare coverage limits and deductibles of different offers.
- Check exclusions and reporting duties in the terms and conditions.
- If unsure, ask the insurer directly which damages are covered.
- Compare prices and benefits over several days before signing.
Help and support
- Gesetze im Internet – BGB §§ 535–580a
- Gesetze im Internet – ZPO
- Federal Court of Justice (BGH) – Information
