Tenant Contents Insurance Check in Germany

As a tenant in Germany you should carefully review your contents insurance before signing. Many policies differ in coverage, replacement value, deductible and protection against natural hazards. Using practical cases we explain which clauses tenants should pay special attention to, how to document your inventory correctly and which questions to ask the provider. There is also a practical checklist, sample forms and guidance on when switching is sensible. We also explain what rights tenants have in case of damage and when official forms or legal advice are appropriate. The guide is practical and easy to use for young households.

What to check before signing

Before you sign a contract, read the entire policy. Pay attention to coverage limits, replacement value rules, exclusions and whether natural hazard coverage (flooding, heavy rain) is included. Also note reporting deadlines and duties in case of a claim.

• Check coverage amount and amount (amount): does the sum cover your actual belongings?
• Clarify deductible and payment terms (payment).
• Verify protection for water damage, heating and repairs (repair).
• Create an inventory list and collect receipts/ photos (document).
• Read special clauses such as underinsurance, replacement value and exclusions (notice).
• Note deadlines for reporting and notification (within).
• Clarify how to report and submit forms in case of a claim (file).

Practical cases explained

Case 1: Burst pipe in the flat. Check whether water damage is covered and whether the landlord's liability also applies. Case 2: Break-in with damaged furniture. Record timing, police report and damage, make a value list. Case 3: Flooding from heavy rain. Natural hazard coverage is often required separately.

Legal notes for tenants

The legal basis includes tenancy provisions in the BGB, notably §§ 535–580a^[1], and procedural rules in the ZPO for court actions^[2]. Tenancy disputes are usually heard at the local court (Amtsgericht) in first instance; landmark decisions may reach the Federal Court of Justice (BGH)^[3].

FAQ

Do I need contents insurance as a tenant?

Contents insurance is voluntary but protects your furniture, clothing and electronics against risks like fire, burglary and water damage; it is particularly advisable for valuable belongings.

What does a typical policy cover?

Common risks include fire, water damage, storm/ hail, burglary and sometimes glass breakage; check exclusions and whether natural hazards are included.

How do I document my inventory correctly?

Create an inventory list with purchase dates and values, take photos and keep receipts or warranty documents.

How-To

1. Read the policy completely (file) and mark important terms.
2. Create an inventory list and collect receipts/ photos (document).
3. Calculate coverage amount and deductible (amount).
4. Verify coverage for repairs and water damage (repair).
5. Note reporting deadlines (within) and store contact details.
6. If needed, complete sample forms and submit claims on time (form).

Help and Support

• Gesetze im Internet – BGB
• Gesetze im Internet – ZPO
• Federal Court of Justice – Decisions

1. [1] Gesetze im Internet – BGB
2. [2] Gesetze im Internet – ZPO
3. [3] Bundesgerichtshof