Contents Insurance
- Covers damages caused by fire, theft, water, storm
- New-for-old replacement
- Worldwide cover for your stuff
- Gross negligence covered
- Optional coverage against natural hazards
- BaFin-licensed
- Cancel any day, stays flexible
- Fast help via app
Description
Whether it's a burst pipe, fire, or burglary—your belongings are important to you. If something is lost or destroyed, we immediately take care of the financial damage. Household contents insurance protects your items against damage from fire, water, theft, and severe weather and replaces the item at its new value in case of a claim, so you are financially ready to start over immediately.
Your coverage is worldwide, for example, during a burglary at a hotel while traveling. Your belongings are also insured in case of gross negligence. That means: If you forget to blow out a candle and a fire breaks out, then that is covered. Expand your policy as needed against bicycle theft, glass breakage, or damage from natural hazards like flooding and earthquakes.
Less paperwork, everything in one app. Report a claim easily in the app; we guide you step by step. The policy can be canceled daily. Get your price in minutes and check off this annoying topic.
Reviews
When university starts
New chapter, new city, new shared flat—and suddenly you’re juggling timetables instead of parents’ evenings. You’ve got plenty on your plate. Tick a few basics now and future‑you keeps more time, money, and headspace for real student life.
Essential cover
for this moment
Moving to a new city
New city, same to-do list: find a place, set up internet, haul boxes. You want to settle in, not worry about broken floors, break-ins, or a deposit dispute. These few protections keep the start calm, so you can actually explore.
Essential cover
for this moment
Get protected together before the wedding
You’re taking the next step and blending lives, contracts, and everyday stuff. Romantic, sure—and it comes with a few admin to-dos. With a couple of quick tweaks, you protect each other and cut duplicate costs before the big day.
Essential cover
for this moment
When you buy your first apartment
Keys in hand, a hundred to-dos in your head. Your first apartment is exciting—and suddenly you’re responsible for everything from leaks to paperwork. Sort a few basics now and you’ll have more time for decorating, less for damage control.
Essential cover
for this moment
When you’re getting divorced
Divorce is a lot of paperwork and even more mental tabs. You’re sorting the apartment, contracts, maybe the bank account—and you just want nothing else to go sideways. Let’s keep the insurance bit simple and lock down the essentials quickly.
Essential cover
for this moment
When you move to a smaller place
You’re making space for more calm and less stuff. One room fewer, a bit more headspace—that’s the plan. While you’re moving and signing a new lease, you want zero nasty surprises. A few smart tweaks keep things simple and your monthly budget predictable.
Essential cover
for this moment
Contents cover at a glance
When we step in
What we protect
How we help after loss
Not covered
Damage by pets
Chewing, scratching, or other damage caused by your animals.
Damage to rented items
Damage to furniture or devices you rent is not covered.
Building parts and fittings
Fixed parts of the building like floors, windows or built in kitchens are not covered here. These are insured under a separate home building insurance.
Documents
Who can get Contents insurance with Getsafe, and who is covered in my home?
Anyone living in Germany who is 18 or older can take out a policy for a home in Germany. Renters, owners, and those in shared flats or WGs are all welcome. Everyone living at the insured address is automatically covered, for example your partner, children, or flatmates.
When does my cover start, and is there a waiting period?
There is no waiting period. Cover starts on the date shown in your policy once your application is approved. You choose the start date during checkout, and it can be today or any future date. You are insured as soon as your first payment goes through.
What does the policy cover, and what is not covered?
Covered: fire, smoke, lightning and power surge, water from pipes, storm and hail, burglary, vandalism, and robbery. Also included: bikes at home, items you take with you, hotel costs if your home is uninhabitable, and protection against gross negligence.
Not covered: building parts (walls, floors), damage from war, wear and tear, or events you cause intentionally. Bikes stolen away from home need the bicycle add on.
How do I file a claim, and what do you need from me?
Open the Getsafe app, tap Claims, answer a few questions, then upload photos, receipts, and a short description. For burglary or robbery, report it to the police and share the report number. Take steps to limit further damage and do not throw items away until we confirm next steps. We keep you posted in the app.
Will you pay the replacement value or the current value?
In the event of a claim, we replace your items at replacement value. This means we pay you the price of an identical or equivalent new item, without deductions for age or wear. The reimbursement is limited to the agreed insurance sum. For certain categories, such as theft outside the home, there are additional maximum amounts. You can find all details in your policy documents.
How do I set my insurance sum?
You set your insurance sum in the app – simply based on your living space and what you own. If you provide correct information, the underinsurance waiver applies automatically. So you don't have to worry about reductions, even if your household contents are later worth more than originally estimated.
What does underinsurance waiver mean – and when does it apply?
The underinsurance waiver protects you from the insurance paying less in the event of a claim because your household contents are valued higher than your insurance sum. Requirement: Your information about living space and use is correct. If that's the case, you're on the safe side – regardless of the actual value of your furnishings.
One App. All your Insurance.
Easily manage all your insurance policies in a single app. From clear overviews of your coverage to instant claim submissions, we put you in control of your insurance so you can get back to what matters.
24/7 claims service
Got questions or want to file a claim? We’re there for you right in the app to give you help right at your fingertips.
100% in English, 100% digital
Tired of insurance in German? No problem. We're 100% digital and fully available in English, from the app to your policy. Manage everything you need, hassle free.
Safepoints™ Earn. Save. Repeat.
Our Safepoints™ feature helps you actively save on your premium. You earn points by making safe choices, like completing quizzes, and for maintaining a liability-claim-free record. It's a simple way to get rewarded for being a responsible policyholder.
Get help your way
We believe getting help should be easy. Choose between our intelligent AI, a human expert, or a professional consultant to guide you through your insurance questions and needs, all on your terms.
Best Price. Best Product.
We offer you the perfect blend of great prices and a top-tier product. It's the ideal combination of high quality and affordability, designed to give you the most value for your money.
Long term but flexible
With our long term yet flexible policies you get the best of both worlds. We offer great prices and comprehensive coverage you can count on for the long run while giving you the freedom to easily make changes or cancel anytime all within the app.
Have questions?
Let’s figure it out together.
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