Contents Insurance for Tenants in Germany - WG Guide

As a tenant in Germany, you may wonder whether contents insurance is necessary for your flat or shared flat (WG). The policy protects movable items against risks like burglary, water damage, fire and some natural-hazard events. In shared flats, roommates often face questions about joint versus individual coverage, cost sharing and notifying the insurer. This guide explains clearly when contents insurance makes sense, what the downsides are and how to adapt a WG policy correctly. You will also find references to relevant statutes, forms and authorities in Germany so that you as a tenant can decide well informed and avoid disputes.

What does contents insurance cover for tenants?

Contents insurance covers movable household items such as furniture, electronics, clothing and personal effects. For tenants it is important to note that the insurance protects the insured person's property, not the building structure (see lease agreement and landlord duties). For legal questions about tenancy law, refer to the BGB ^[1], which regulates landlord and tenant obligations.

Pros and cons for shared flats (WG)

Pros

• A joint policy can reduce per-person premiums.
• Faster claims handling for burglary or water damage.
• A unified inventory list simplifies claims.

Cons

• Unclear ownership can lead to disputes.
• One person's claim can affect the premium for all.
• If a roommate moves out, the policy often needs adjustment.

When is a joint policy enough and when individual policies are better?

A joint WG policy makes sense when the flat has many shared items and roommates agree on contribution sharing. Individual policies are better if personal values differ greatly or tenants change frequently. It is important to record in writing who owns which items and how costs are shared.

How to report and document damages

Documentation is crucial: photos, dates, witnesses and a list of damaged or stolen items help with claims. Report damages promptly to your insurer and, if needed, to the police (in case of burglary or vandalism). Keep all receipts and written correspondence.

FAQ

Do all WG members need their own policy?

Not necessarily. A joint policy can suffice if all roommates agree. Make clear written arrangements about ownership and cost sharing.

Who is liable for damages in a shared flat?

Liability depends on the cause and contracts. Damages caused by a person can make that person liable; common damages are usually handled by the policy or internal agreements.

Which forms and deadlines are important?

Tenants should submit claims to the insurer and, if applicable, reports to the police in writing and respect the policy deadlines. For court proceedings, the ZPO rules apply ^[2].

How-To

1. Check existing policies and notes on insured sums.
2. Notify the insurer in writing about the WG situation and request an adapted offer.
3. Agree on contribution sharing in writing among roommates.
4. Create an inventory with photos and purchase receipts.
5. Keep all documents and confirmation letters safe.

Help and Support / Resources

• BGB: Bürgerliches Gesetzbuch – gesetze-im-internet.de
• Federal Court of Justice (BGH) – bundesgerichtshof.de
• Federal Ministry of Justice – bmj.de

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1. [1] Bürgerliches Gesetzbuch (BGB) – gesetze-im-internet.de
2. [2] Zivilprozessordnung (ZPO) – gesetze-im-internet.de
3. [3] Federal Court of Justice (BGH) – bundesgerichtshof.de