A Smooth Start to Family Life

Starting a family is an exciting life event. And it’s just the beginning. You’ll create many happy memories in your home along the way. What’s more, you’ll likely associate these memories with the items inside your home. Perhaps your child took their first steps on your favourite rug. But what would happen if such items are stolen or damaged? A surprisingly simple contents insurance policy can give you peace of mind so you can focus on your family.

“Where do I begin?” You may find yourself asking this question when it comes to buying insurance for your new family. You’re not alone.

As a family starter, you’ve likely bought plenty of new furniture, clothes and toys for your child, or decorated. This often requires significant investment. Additionally, it's a new situation for you, which can make you feel cautious. What happens if your possessions are damaged by fire, leaking pipes, or even stolen? After all, these types of incidents are hard to see coming – especially when you’re juggling looking after the kids, work, and household tasks. This is why contents insurance, and the level of protection it offers, is a great choice for family starters.

Take control against events outside of your control

Simply put, contents insurance covers your possessions against certain risks, many of which are unpredictable. Typical risks include leaking water pipes, fire, and burglary. Imagine you’ve just decorated a room and kitted it out with new furniture for your child. A pipe bursts in your building and damages the contents inside. Normally, you’d be back to square one and out of pocket. Contents insurance protects you against such hiccups. You can find out more about what is and isn’t covered here.

Naturally, there are limits to how much payout you will receive. Getsafe Contents insurance can cover you for a whopping €250,000. That would be a lot of damage for the full payout!

A lapse in concentration? Fear not!

It isn’t just freak incidents that you’re covered against. You’re likely short on time as a family starter, navigating today’s fast-paced world. As a result, you may leave the washing machine on if you nip out to the shops, for example. This actually constitutes gross negligence. The good news: You’re covered against gross negligence, meaning your possessions are protected if your washing machine leaks while you’re out. That doesn’t mean you shouldn’t take care though!

Your possessions are safe – whatever your living situation

It doesn’t matter whether you rent or own your home. In fact, around half the population in Germany rent their homes, representing comparatively low ownership figures for Europe. Your belongings inside your home are what count. They are insured with the contents policy. If anything happens, it will cause minimal disruption to your family life. However, it’s important to understand what you actually own. The landlord may own the kitchen in a rented property, for example. If you broke an appliance, your liability insurance would typically cover you instead of contents insurance.

You can’t be completely careless

There are certain things your contents insurance doesn’t cover. Maybe you’ve got a pet like a cat or dog. They can cause damage to your home – particularly dogs! Picture chewed table legs or mud on your nice grey sofa. Your contents insurance will not cover this damage. Likewise, certain natural hazards aren’t covered. Storms and hail are covered, but more extreme examples like landslides, avalanches, and earthquakes aren’t part of a typical contents insurance policy. Perhaps the strangest item that isn’t covered is glass.

Fortunately, there are steps you can take so you don’t have to worry. Getsafe offers a glass extension, which provides extra levels of protection. Here, your possessions are the deciding factor. It’s logical to insure expensive or antique glassware, ceramic-glass hobs, or glazed furniture but possibly not one or two low-value items. If you want to protect your glass objects at home, the Getsafe Glass extension starts at €0.73 per month.

Clear your mind of worry and start making memories

And that’s it. By opting for contents insurance, you can remove the feeling that your dearest belongings are made out of glass (even if some of them are). Wave goodbye to fear and focus on the fun part: spending time with your new family. As long as everyone’s behaving, of course.

Protect what’s important to you now.