Household insurance, German family insurance


Household Communications household protection

to 50 m²
living space

32,500 €
insurance

Protection at

to 75 m²
living space

48,750 €
insurance

Protection at

to 100 m²
living space

65,000 €
insurance

Protection at

to 150 m²
living space

97,500 €
insurance

Protection at

Benefits of home contents insurance at a glance

Base Comfort Premium Exclusive
insurance benefits
insurance 32,500 € 48,750 € 65,000 € 97,500 €
excess 300 € 300 € 300 € 300 €
Insured things
Whole household goods

up to the general compensation limit

up to 75 m² up to 100 m² up to 150 m² Building and furniture glazings

up to the general compensation limit

Valuables including cash

up to the special compensation limits

Cycles

outside the building where the insured apartment is located (DFV-Fahrradschutz)

  • 500 € without deductible (higher compensation limits optional against additional contribution)
up to 500 €

(optional increase possible)

(optional increase possible)

(optional increase possible)

(optional increase possible)

Insured dangers damage destruction loss Waiver of plea of ​​gross negligence Insured costs Cleanup costs, movement costs, protection costs

up to the sum insured

Guarding costs, transport costs, storage costs

up to the sum insured

Cost of provisional measures

for the protection of insured property up to the sum insured

repair costs
  • Interior paints, wallpapers or floor coverings in a rented or privately owned apartment after insured water damage
  • of building damage after an insured loss

up to the sum insured

Damage and damage detection costs

if you are contractually obliged to consult an expert or a supporter or if you ask us up to the sum insured

Damage avoidance and loss reduction costs

up to the sum insured

Claims avoidance and loss reduction on our instructions unlimited unlimited unlimited unlimited Other costs

which are causally related to the insured event

20% of the sum insured 20% of the sum insured 20% of the sum insured 20% of the sum insured General compensation limits at the place of insurance outside the place of insurance (external insurance) Special compensation limits Cash and sums charged on cash cards 2,000 € 2,000 € 2,000 € 2,000 € Certificates, savings accounts and other securities 2,000 € 2,000 € 2,000 € 2,000 € Jewelry, gems and pearls 2,000 € 2,000 € 2,000 € 2,000 € Watches 2,000 € 2,000 € 2,000 € 2,000 € all art objects 2,000 € 2,000 € 2,000 € 2,000 € all furs, hand-knotted carpets and goblins 2,000 € 2,000 € 2,000 € 2,000 € all things made of gold and platinum 2,000 € 2,000 € 2,000 € 2,000 € all things made of silver

together in total (except jewelery, watches, coins and medals)

2,000 € 2,000 € 2,000 € 2,000 € all other things

more than 100 years old (antiques, but in total, except for pieces of furniture

2,000 € 2,000 € 2,000 € 2,000 € show more Your tariff choice Complete online Complete online Complete online Complete online

Important reasons for one Household

Compensation for the replacement value

The household contents insurance is a replacement insurance and replaced after a damage the destroyed, damaged or lost items in the same kind and quality (new value). You are free to decide whether you use the compensation for the procurement of the destroyed household goods.

Insured household belong to all things and objects that are used privately in the household of your insured apartment or house. Which includes: Furnishings like furniture and carpets, as well Commodities like dishes and electrical appliances.

Assumption of follow-up costs

Damage in the home or apartment usually entails significant additional costs, which should not be underestimated. If a home fire or a broken pipe flooded the apartment, it can even temporarily become uninhabitable. The benefits of household insurance include u. a. Cost of accommodation in a hotel, clean-up, storage, transportation, movement and repair costs.

DFV-Bike protection

If the bicycle is damaged or stolen, it is not only extremely annoying, but also involves a considerable financial loss. To hedge this risk, the DFV Household Protection offers an extended bicycle insurance. With the DFV Fahrradschutz, your household contents insurance extends to all bicycles outside the building in which the insured housing is located. Bicycles are also e-bikes, for which no separate operating permit is required. The power level for your bike protection can be increased optionally.

Digital, mobile and service-oriented

With us you never lose track. In the DFV customer portal, you can access your contract documents at any time and download them. In addition, you have access to our service center and the quick adjustment.

When you’re on the go, you’ll also find your wallet card in the e-mail. This means that your insurance certificate and all service numbers are also available on the go.

The household contents insurance is a replacement insurance and replaced after a damage the destroyed, damaged or lost items in the same kind and quality (new value). You are free to decide whether you use the compensation for the procurement of the destroyed household goods.

Insured household belong to all things and objects that are used privately in the household of your insured apartment or house. Which includes: Furnishings like furniture and carpets, as well Commodities like dishes and electrical appliances.

Damage in the home or apartment usually entails significant additional costs, which should not be underestimated. If a home fire or a broken pipe flooded the apartment, it can even temporarily become uninhabitable. The benefits of household insurance include u. a. Cost of accommodation in a hotel, clean-up, storage, transportation, movement and repair costs.

If the bicycle is damaged or stolen, it is not only extremely annoying, but also involves a considerable financial loss. To hedge this risk, the DFV Household Protection offers an extended bicycle insurance. With the DFV Fahrradschutz, your household contents insurance extends to all bicycles outside the building in which the insured housing is located. Bicycles are also e-bikes, for which no separate operating permit is required. The power level for your bike protection can be increased optionally.

With us you never lose track. In the DFV customer portal, you can access your contract documents at any time and download them. In addition, you have access to our service center and the quick adjustment.

When you’re on the go, you’ll also find your wallet card in the e-mail. This means that your insurance certificate and all service numbers are also available on the go.

performance areas Communications household insurance

Burglary

On average, more than 320 times a day is broken in Germany. A burglary is when someone steals things after it has broken into a room of a building, boarded or z. B. has penetrated by means of a wrong key. The household contents insurance replaces – as part of the sum insured – the damage caused by the burglary to the replacement value.

Fire

An essential element of household contents insurance is the insurance cover for fires. A house or apartment fire can lead to one suddenly losing all his laboriously saved belongings. In order to recover the destroyed furnishings such as furniture, carpets or clothing, household contents insurance covers their benefits as part of the sum insured.

Lightning, storm and hail

The consequences of lightning, storm and hail can destroy entire home furnishings. An insured in the contents insurance storm is a weather-related air movement of at least wind force 8 (wind speed of at least 63 km / h). If it comes to damage, so z. B. information and observations of the German Weather Service used.

water damage

Water damage is not only particularly annoying, but also very expensive. With the German family insurance you are z. B. well protected in the case of a tap water damage. A water damage occurs when water is improperly z. B. leaked from supply or discharge pipes of the water supply. Also covered are frost damage to sanitary facilities and tap water-leading installations.

Frequently Asked Questions about Household

Is a household insurance useful?

Electronic equipment, expensive jewelry or clothing can be completely destroyed or stolen by fire or burglary. The financial consequences of burglary, fire, water or hail damage are often fatal and can have existential effects. With the DFV-HausratSchutz, you will not be left behind after a disaster and can adequately replace your entire household contents.

Which dangers are covered by the household contents insurance?

Insured household belong to all things that are used in the household of your insured apartment or house privately, such. For example: furniture and carpets, household appliances, clothing, tools, food and certain valuables.

The household insurance of the DFV provides compensation for insured property, the z. B. by

  • glass breakage
  • fire
  • lightning strike
  • Explosion, implosion
  • Impact of an aircraft
  • For example, loss B. burglary
  • Vandalism after intrusion
  • water
  • Storm and hail

destroyed or damaged or lost as a result.

Where is the household insurance?

For home contents insurance, the place of insurance is the flat or house designated in the insurance policy. The insured household contents must be on the so-called “insured place“To be replaced in case of damage.

These include:

  • Garden and greenhouses
  • conservatories
  • common areas
  • Loggias, balconies and terraces as well
  • Garages up to 1 km as the crow flies from the plot

Your household contents are insured even if it is temporarily outside the place of insurance.

What should be considered when moving??

In the event of a change of residence with household insurance, there will be insurance coverage for both apartments from the beginning of the move and for a maximum of 3 months. Then the insurance cover for the previous apartment ends. Depending on the location of the new apartment, the contributions for their home contents insurance may rise or fall. The change will be communicated to you in due time and your daily right of termination will remain unaffected. When purchasing a larger apartment, keep in mind that the sum insured may need to be adjusted to the new number of square meters.

If you live in a second home next to your previous home, the protection of the existing home contents insurance does not automatically transfer to the second home. However, for a transitional period of three months after relocation, there is insurance coverage in both apartments.

What is the basis for the contribution levels of home contents insurance??

The amount of the contribution depends on the following factors:

Insured: The Federal Republic was divided by the insurers in risk zones (hazard zones). Who z. For example, living in a big city usually pays a higher insurance premium than someone from a rural area. These differences come about because the rate of burglary is generally higher in cities than in a small town or village.

Living space and sum insured: The insurance contribution increases with increasing sum insured. The sum with which you protect your household goods, is based on the living space (m²) to choose. We recommend a guide value of 650 euros per square meter of living space.

Scope: With the household contents insurance of the German family insurance you have the possibility of the optional extension of the insured sum in the DFV bicycle protection.

Which costs / follow-up costs is covered by the household contents insurance?

Insured belong your entire household, i. all things that you and the person living in your home community privately use. Even things that you install as a tenant or apartment owner inside or outside the building are covered by the household contents insurance. The insured items also include valuables including cash (€ 2,000 per valuables group). With the DFV-Fahrradschutz are bicycles outside the building in which the insured apartment is located, up to € 500 always insured. For a higher protection, the insurance cover can be optionally extended. Also follow-up costs such. B. Guarding costs, transport costs or storage costs are included in the insurance coverage.

What does underinsurance and underinsurance waiver mean?

An underinsurance exists if the agreed sum insured is lower than the value of the entire household. If an insured event occurs, underinsurance can lead to the insurer only paying the damage pro rata. The policyholder then has to pay the remaining part out of his own pocket.

An example of underinsurance would be that the insurer and the policyholder have agreed on a sum insured of 50,000 euros, with the total household value having a value of 100,000 euros. Now there is a loss of 20,000 euros. Property damage is less than the sum insured, however, the policyholder has only half of the true value of household contents insurance, so half of the damage will be compensated. In this case, the insurance takes over a share of 10,000 euros and the insured person must pay the remaining 10,000 euros itself.

If the so-called sub-insurance waiver has been agreed, the clause does not count any underinsurance in the claims settlement. The clause means that the insurer waives an examination of the value of your household and paid up to the sum insured, which was agreed in the policy.

Are borrowed items insured in the household insurance?

Yes, borrowed items are insured in your household contents insurance if they are in your insured house or your insured apartment.

What should be considered after a claim??

  1. Inform the insurer immediately about the damage to household effects. (What when where)
  2. Take photos and videos of the damage.
  3. Inform the police immediately after a break-in and report.
  4. In case of fire, call the fire department immediately.
  5. In the event of tap water damage, close the main tap.
  6. Keep the damage as low as possible without compromising your own safety.

What sum should I agree

In order to determine the correct sum insured, we recommend that you insure at least 650 euros insured per square meter of living space. If you suspect that you are underinsured with 650 Euro / sqm, it is advisable to make a valuation of the entire household. Then you have to use the new value for all items including carpets, clothes and valuables.

Electronic equipment, expensive jewelry or clothing can be completely destroyed or stolen by fire or burglary. The financial consequences of burglary, fire, water or hail damage are often fatal and can have existential effects. With the DFV-HausratSchutz, you will not be left behind after a disaster and can adequately replace your entire household contents.

Insured household belong to all things that are used in the household of your insured apartment or house privately, such. For example: furniture and carpets, household appliances, clothing, tools, food and certain valuables.

The household insurance of the DFV provides compensation for insured property, the z. B. by

  • glass breakage
  • fire
  • lightning strike
  • Explosion, implosion
  • Impact of an aircraft
  • For example, loss B. burglary
  • Vandalism after intrusion
  • water
  • Storm and hail

destroyed or damaged or lost as a result.

For home contents insurance, the place of insurance is the flat or house designated in the insurance policy. The insured household contents must be on the so-called “insured place“To be replaced in case of damage.

These include:

  • Garden and greenhouses
  • conservatories
  • common areas
  • Loggias, balconies and terraces as well
  • Garages up to 1 km as the crow flies from the plot

Your household contents are insured even if it is temporarily outside the place of insurance.

In the event of a change of residence with household insurance, there will be insurance coverage for both apartments from the beginning of the move and for a maximum of 3 months. Then the insurance cover for the previous apartment ends. Depending on the location of the new apartment, the contributions for their home contents insurance may rise or fall. The change will be communicated to you in due time and your daily right of termination will remain unaffected. When purchasing a larger apartment, keep in mind that the sum insured may need to be adjusted to the new number of square meters.

If you live in a second home next to your previous home, the protection of the existing home contents insurance does not automatically transfer to the second home. However, for a transitional period of three months after relocation, there is insurance coverage in both apartments.

The amount of the contribution depends on the following factors:

Insured: The Federal Republic was divided by the insurers in risk zones (hazard zones). Who z. For example, living in a big city usually pays a higher insurance premium than someone from a rural area. These differences come about because the rate of burglary is generally higher in cities than in a small town or village.

Living space and sum insured: The insurance contribution increases with increasing sum insured. The sum with which you protect your household goods, is based on the living space (m²) to choose. We recommend a guide value of 650 euros per square meter of living space.

Scope: With the household contents insurance of the German family insurance you have the possibility of the optional extension of the insured sum in the DFV bicycle protection.

Insured belong your entire household, i. all things that you and the person living in your home community privately use. Even things that you install as a tenant or apartment owner inside or outside the building are covered by the household contents insurance. The insured items also include valuables including cash (€ 2,000 per valuables group). With the DFV-Fahrradschutz are bicycles outside the building in which the insured apartment is located, up to € 500 always insured. For a higher protection, the insurance cover can be optionally extended. Also follow-up costs such. B. Guarding costs, transport costs or storage costs are included in the insurance coverage.

An underinsurance exists if the agreed sum insured is lower than the value of the entire household. If an insured event occurs, underinsurance can lead to the insurer only paying the damage pro rata. The policyholder then has to pay the remaining part out of his own pocket.

An example of underinsurance would be that the insurer and the policyholder have agreed on a sum insured of 50,000 euros, with the total household value having a value of 100,000 euros. Now there is a loss of 20,000 euros. Property damage is less than the sum insured, however, the policyholder has only half of the true value of household contents insurance, so half of the damage will be compensated. In this case, the insurance takes over a share of 10,000 euros and the insured person must pay the remaining 10,000 euros itself.

If the so-called sub-insurance waiver has been agreed, the clause does not count any underinsurance in the claims settlement. The clause means that the insurer waives an examination of the value of your household and paid up to the sum insured, which was agreed in the policy.

Yes, borrowed items are insured in your household contents insurance if they are in your insured house or your insured apartment.

What should be considered after a claim??

  1. Inform the insurer immediately about the damage to household effects. (What when where)
  2. Take photos and videos of the damage.
  3. Inform the police immediately after a break-in and report.
  4. In case of fire, call the fire department immediately.
  5. In the event of tap water damage, close the main tap.
  6. Keep the damage as low as possible without compromising your own safety.

What sum should I agree

In order to determine the correct sum insured, we recommend that you insure at least 650 euros insured per square meter of living space. If you suspect that you are underinsured with 650 Euro / sqm, it is advisable to make a valuation of the entire household. Then you have to use the new value for all items including carpets, clothes and valuables.

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