Tenant: Compare external insurance in Germany

As a tenant in Germany, it is important to know which insurance covers damage to items outside your apartment and how to choose the best option on a limited budget. External insurance (sometimes part of household contents insurance or as an add-on) protects belongings that are regularly located outside the rented rooms, such as bicycles, garden furniture or tools. This guide explains in clear language what tenants should watch for: which coverages make sense, what costs arise, which deadlines and proof rules apply, and which official forms or courts are relevant in disputes. At the end you will find a short step-by-step for comparing offers, practical saving tips and links to official authorities in Germany.

What is external insurance?

External insurance often complements household contents insurance and provides protection for movable items located outside the rented premises, e.g. a bicycle or tools. Some policies call this "external coverage" or "off-premises coverage"; exact conditions vary by provider.

What tenants should pay attention to

When comparing offers, check not only price but also sum insured, deductible, exclusions (e.g. bicycle theft without locking) and whether there are territorial limits. Also pay attention to deadlines for reporting claims and proof requirements.

• Check costs (payment): Compare annual premiums, deductibles and possible contribution tiers.
• Check coverage (repair): Make sure repairs or replacement value assessment are covered in case of damage.
• Gather documents (document): Keep receipts, proof of purchase and photos ready to document damages.
• Read terms (form): Check exclusions, for example gross negligence or night-time restrictions.
• Observe deadlines (deadline): Report damages within the time limits stated in the policy.

Legally, tenant obligations and rights are based on the German Civil Code (BGB); in disputes over insurance or compensation, statutory provisions should be checked.^[1] For court actions, the rules of the Code of Civil Procedure (ZPO) apply.^[2] Tenancy disputes are usually decided in first instance by the local court (Amtsgericht).^[3]

Which forms and templates are important?

There is no single nationwide standard form for external insurance, but the following official sources and templates are relevant for tenants:

• Termination letter template (tenant) — use a written termination if you change policies.
• Insurance claim form — many insurers provide PDF forms; complete them fully and attach proof.
• Lawsuit forms for eviction or disputes — use the forms of the competent local court for legal proceedings.

FAQ

Does household contents insurance cover my bike if it is stolen in front of the house?

It depends on your policy: some household contents insurances cover bicycle theft outside the home only if the bike was locked; others offer specific add-on coverage. Check the terms carefully.

What if the insurer denies payment?

Request the denial in writing, document all evidence and review the denial against the policy. If uncertain, seek advice from consumer or legal services and, if necessary, file a suit at the competent local court.^[3]

How can I save costs without giving up essential protection?

Compare sums insured, avoid unnecessary add-ons and check region-specific tariffs. Sometimes a higher deductible reduces the premium enough to be worthwhile.

How-To

1. Step 1: Collect offers (payment) — Obtain at least three written offers and note premium, deductible and sum insured.
2. Step 2: Compare terms (document) — Check exclusions, territorial validity and proof obligations.
3. Step 3: Practical assessment (repair) — Consider which belongings are often outside and what protection they need.
4. Step 4: Prepare claim documentation (form) — Gather photos, receipts and witness statements.
5. Step 5: Meet deadlines (deadline) — Report damages promptly according to policy conditions.
6. Step 6: Seek help (contact) — Contact the authority or local court for guidance on enforcing your rights.^[3]

Key Takeaways

• Always check exclusions and territorial limits in the policy.
• Compare coverage details, not only the premium.
• Good documentation (photos, receipts) is essential for claims.

Help and Support

• Gesetze im Internet (BGB & further legal bases)
• Federal Ministry of Justice and Consumer Protection
• Federal Court of Justice (BGH) – tenancy rulings

1. [1] Gesetze im Internet – BGB §§535–580a
2. [2] Gesetze im Internet – ZPO
3. [3] Justizportal – information on local courts