Huk household insurance in the test experiences

HUK Coburg is one of the largest insurers in Germany and looks after more than 11 million customers in a wide variety of areas. Founded the insurance as early as 1933 and since then has not only expanded in scope of services, but also built up numerous agencies and consultants who look after and advise customers all over Germany. The number of HUKs in relation to contracts concluded increases from year to year, which shows how satisfied customers are with the insurance company’s range of services. The HUK Coburg product portfolio includes various insurance policies in the areas of car and mobility, home, liability and law, as well as health, wealth and provision. In our test, we specifically deal with HUK household insurance, explain the individual tariffs and service modules and the optional options. We also show how the insurance can be contacted if you have any questions.

Per & Contra at a glance

+ trick theft
+ phishing
+ Bicycle theft

– no awards found

The benefits of HUK household insurance in the test

HUK offers two tariffs in the area of home insurance: Classic and Home Plus, which, however, can be expanded with individual modules.

The following services include included in the Classic tariff

In principle, insurance coverage exists in the event of fire damage, explosions, lightning, tap water, storms and hail. Storm damage is only recognized as such from wind force 8. Tap water damage is not only the damage caused by a leaky pipe, but also damage caused, for example, by a burst hose in the washing machine or dishwasher. Leaked water from a water bed or the aquarium is also considered insured.

theft

Theft of many items is also insured at HUK Coburg. Protection applies, for example, if the stroller or wheelchair is stolen from the hallway or garden furniture is stolen from the property. This applies in particular to garden furniture, barbecues and also the laundry that hung to dry on the clothesline. Thus, HUK Coburg provides insurance protection not only in the apartment, but also in the garden. In addition, the protection applies even if from the hospital room or while of the stay in the spa are stolen. Here the sum insured is limited to 2% of the total sum insured. Stolen cash will be replaced up to a maximum of 200 euros.

Gross negligence

The washing machine runs while you pick up the child from kindergarten. When you get home, the damage from a burst water hose is considerable. The burning candle on the table can also cause immense damage if it falls over and you are not in the room yourself (but maybe the cat who jumped on the table). Damage can occur quickly and you are not always aware of a grossly negligent act. In such cases, the household insurance of HUK Coburg still pays and fully compensates you for the damage. Many insurers make cuts in benefits in the event of grossly negligent action; you do not have to worry about this at HUK.

vandalism

If the apartment is broken into, not only the sum of the stolen property is paid, but also further protection or appropriate assistance is offered. The HUK household contents insurance covers, for example, the costs that arise from the disposal of destroyed objects or the repair costs for broken windows or doors. Even if these have to be provisionally locked beforehand or even a security service for the apartment is necessary, HUK supports you financially in the event of a claim.

Further assumption of costs

Sometimes an apartment can no longer be lived in for a certain time after a damage event (fire or water damage). If such a case arises, HUK household insurance pays, among other things. the costs for a necessary hotel stay up to a maximum of one year are covered by the relocation costs if the apartment cannot be occupied for more than 100 days or takes care of the financial consequences that result from storing the household items after the damage.

These services are part of the Household Plus Plus tariff

The Plus tariff builds on the Classic tariff and contains other useful services. For example, household items that are in a weekend house are also insured. The sum insured is limited to 5,000 euros, but is still an important component that many insurance companies do not offer. Anyone who permanently stores sports equipment outside their own home (for example, the saddle in the riding stable) also has insurance cover for this, which is limited to 5,000 euros. Unfortunately, trick theft is an increasingly common topic. If trick theft occurs because someone has gained access to the apartment, HUK’s household insurance also pays compensation of up to 2,000 euros for stolen property.

supplementary

Sometimes the insurance coverage has to be even more individual in order to be able to be adapted to personal needs. With additional modules, the household insurance of HUK offers this possibility of individualization. The following components can be integrated into the HUK household insurance contract:

Bicycle theft

Bicycle theft is a sensitive issue that unfortunately occurs again and again. At HUK Coburg, however, the risk of theft can be insured. With this module, the bike is insured up to 1% of the sum insured. If this benefit is not sufficient, you can contact the HUK and arrange even more individual protection up to a maximum of 9% of the sum insured. (Example: Household value is 100,000 euros, then the bicycle is insured up to a value of 1,000 euros (1%). In this case, the theft applies not only to normal bicycles, but also to pedelecs, provided that these are not subject to compulsory insurance.

glass insurance

The glass insurance pays if you have caused damage to the building or furniture glazing. Protection also applies to glass ceramic cooktops. If this protection is not sufficient, the glass insurance can also be extended. As an extension, the HUK household insurance also offers protection against breakage damage to terrariums or aquariums up to a capacity of 1,500 liters.

House and apartment protection letter

The house and apartment protection letter is a very good extension of the household insurance and offers real help in an emergency. The following insurance coverage benefits are included:

Locksmiths
Pipe Cleaning Service
Plumber service
Electrical installer service
Heating Installer Service
Emergency heating
pest control
Removal of wasp, bee and hornet nests
data Recovery
Childcare in an emergency (applies to children up to 16 years and a maximum of 48 hours)
Accommodation of animals in an emergency (within Germany)
Document depot (maximum 20 Din A4 pages)

In addition to the appropriate organization in an emergency, the resulting costs are covered up to a maximum of 500 euros per claim or a maximum of 1,500 euros per year.

phishing

Anyone who receives a fake e-mail from the bank, opens it and enters the bank account’s own login data, makes it particularly easy for fraudsters to access the account themselves and withdraw or transfer money. In these cases, the household insurance of HUK provides protection and pays up to a sum of 1,000 euros.

The accessibility of HUK household insurance – our experience

The HUK can be reached by phone from Monday to Friday from 8 a.m. to 8 p.m. The call from the German telephone network is free of charge. The telephone damage hotline is staffed around the clock and therefore offers the opportunity to ask questions and get help at any time in an emergency. HUK can be contacted in writing by e-mail, via a pre-prepared contact form on the website or by fax and letter. There is also the option of using one of the a lot of To be able to contact consultants in Germany personally and get advice on site. You can find out where the nearest advice center is on the HUK website. All you have to do is enter your own zip code and the agencies in the area are displayed.

The personal area of the HUK

Anyone who is a customer of HUK can also log into their own area via the website, view their contracts, save offers or enter data changes directly.

The user-friendliness of the online platform and the calculation tool

It is not difficult to find all the important information on the HUK website, because the page is very clearly structured and the most important information such as telephone numbers or the individual product pages are easy to find. The services of the respective contract are also listed on the product pages in a way that is easy to understand, so that the decision for the right tariff is not difficult. The structure of the offer calculator is also pleasant. Info buttons are displayed again for the individual questions, which should clear up any ambiguities and the contributions for individual additional services can be viewed immediately, which simplifies the calculation of the contract.

If questions arise in the offer calculator, the HUK telephone service can help. The phone number is always shown on the right side of the computer.

Our conclusion on HUK household insurance in the test

The accessibility of HUK Coburg compared to other insurance companies could be better. Modern communication channels such as online chat or video advice are missing, which for many insurers are now part of the standard range of services. The range of services offered by household insurance was convincing. With many individual inclusion options, an insurance contract can be put together according to your own needs. At the same time, you save on contributions because you do not have to pay for services that you do not need. The protection of HUK household contents insurance was absolutely convincing.