What is Household Contents Insurance?
HCI covers damage to your own and foreign mobile items and valuables in your insured own or rented household.
Insured is: Vandalism, robbery, water damage, fire, smoke, wind, hail, lightning, and burglary.
Let our virtual assistant explain the insurance to you.
- Theft of bikes is automatically included
- Choose your desired sum insured
- Daily termination right after the first year
Receive your individual quote
Personal Information
Please enter the address of the insured home
Why CAPE?
Best pre-selected coverage
Choose one of the best tariffs on the market.
Easy claims settlement
Would you like to report a damage? Contact us. We will take care of it.
Personal support
Your personal advisor is always at your side.
What is covered?
Water damage:
A burst pipe while you are asleep destroys your basement. Everything that is destroyed by the water is insured.
Vandalsim and robbery:
Someone breaks in and steals or damages your property, both the destroyed and stolen items are insured.
Fire damage:
Both fire and the resulting smoke can destroy your valuables. With household contents insurance, you are insured against both.
Bicycle theft:
Someone steals your bike from your house or at the train station? As long as it is locked, you are covered.
What is not covered?
Damage caused by your pets:
Damage caused by your pets is not insured
Damage to rented furniture:
If you live in a rented apartment, you may also have rented furniture. This is not covered by household contents-, but by your personal liability insurance.
Pipes under the floor or in the wall:
Damage caused by burst pipes under the floor or in the walls is not covered, as this is covered by your landlord's buildings insurance.
Blown Fuse:
Electronics damaged by blown fuses are not covered, only if caused by a lightning strike.
Listen to Nick
Let our virtual assistant Nick explain to you the household contents insurance in detail:
Call CAPE
+49 (0) 2272 937 41 02
Write CAPE
contact@cape-insurance.com
Frequently asked questions:
Personal liability insurance reimburses claims you have caused to a third party due to malpractice or negligence and provides protection against unauthorized claims by a third party.
Household contents insurance covers damage to own and foreign mobile items and valuables in the insured own or rented household caused by vandalism, robbery, mains water, fire, smoke, wind, hail, lightning and burglary.
Do you have to move because the insured flat has become permanently uninhabitable due to an insured event, the insurance will reimburse the moving costs incurred within your area without limit.
No, in this case we can simply update your insurance policy. Just write us an email with your new address, the sqm of your new apartment and your desired sum insured and we will take care of the change.
Household contents insurance covers the replacement value
The damage to a pipe as described would be covered by the building insurance of the landlord. If there is damage to your household goods in this context, for example your sofa, this will be covered by the household insurance.
If the mains water damages the floor of the rented apartment or drops down to the neighbor the building insurance and your personal liability insurance will be affected.
The insurance is valid for 1 year, after the first year it is automatically renewed but can then be canceled on a daily basis if you leave Germany within the first year, you have a special right of termination. Overpaid premiums will be refunded in both cases.
Bicycles and the bicycle trailers
must be secured with a separate bicycle lock against theft when you park them.
Safety devices that are permanently connected to the bicycle (so-called "frame locks") are not considered as separate locks.
Special obligation in case of theft
You must obtain and retain proof of purchase, as well as other documents relating to the manufacturer, the brand and the frame number of the insured bicycle or trailer. Otherwise, the total compensation is limited to a maximum of EUR 150.
It is also good to have pictures of you and your bicycle.
It depends if the glass just has some scratches or similar damages, in this case it is covered by PLI. If the glass is broken it’s covered through the optional glass breakage insurance. Household contents insurance does not cover glass breakage.