Renters' Home Insurance for Shared Flats in Germany
As a renter in a shared flat (WG) in Germany, it is common to ask how household insurance protects personal items, shared furnishings and costs in the event of damage. This guide explains in plain language which types of damage are typically covered, when a joint policy makes sense and how tenants can assert their claims. We list relevant legal provisions and required forms as well as the competent court for tenancy disputes so WG residents can exercise their rights[1]. We also show how to create inventory lists and keep receipts, which deadlines apply for reporting damage, and when additional liability policies may be useful. At the end you will find practical steps and links to official German authorities.
What does household insurance cover in a WG?
Household insurance usually covers personal belongings against risks such as burglary, fire and water damage. In a WG, a distinction must be made between individual property (e.g., laptops, clothing) and communal inventory (e.g., sofa, kitchen appliances). Insurance contracts often specify whether communal inventory is insured centrally or whether each resident needs their own policy. Read the terms carefully and document high-value items in advance.
Joint policy or individual policies?
Both models have advantages and disadvantages: a joint policy can be cheaper and clearer, but raises questions about contribution sharing and payout in the event of a claim. Individual policies provide personal control but can be more expensive and cause overlaps. Clarify at contract start how the insurer handles a move-out or unclear liability.
- Who is liable for communal inventory and how is the amount divided?
- Which sums are insured and are there value limits for electronics?
- How does the insurer handle multiple individual claims from different residents?
- What happens in case of underinsurance or fraudulent claims?
How to document damage and file claims?
Careful documentation increases the chances of a successful claim: photos, receipts, witness statements and a clear description of the damage are important. Report the damage to the insurer immediately and note the date of notification and contact person. Some insurers require a specific damage-report form; keep correspondence and confirmations. If payments are refused, a written demand or a claim may be necessary; for tenancy disputes the local district court (Amtsgericht) is usually competent[2].
Practical evidence tips
- Create an inventory list with estimated values and photos.
- Keep receipts and serial numbers for electronics.
- Record witness names or neighbor statements promptly.
FAQ
- Does household insurance cover shared WG furniture?
- It depends on the contract: some policies allow communal inventory under one policyholder, others require separate notification or additional coverage.
- Does every flatmate need their own household insurance?
- No, but it can be sensible. A joint policy is possible but raises questions about cost sharing and reimbursements when someone moves out.
- Which court handles disputes with the insurer?
- For many tenancy-related disputes the local district court (Amtsgericht) is competent; for fundamental legal questions, Federal Court of Justice (BGH) decisions may be relevant[3].
How-To
- Document the damage immediately: take photos, note date and description.
- Contact the insurer and submit the damage report.
- Submit receipts and inventory lists and request written confirmation of receipt.
- If payment is withheld, request reasons and consider legal steps.
- Seek advice if necessary and contact the competent district court.
Key Takeaways
- Clarify early whether communal inventory is covered.
- Documentation and receipts are crucial for successful claims.
- District courts and possibly the BGH are the competent instances for disputes.
