Household Insurance

Every object in your house does have not only a personal but also an immense monetary value. However, risks such as fire, storm and burglary can cause severe damage to your belongings. In case of damage, we protect you from financial damage and ensure that you can replace your items on an economic level.

Imagine it this way: You turn your home upside down. Anything that falls typically would count as household contents—for example, electronics, furniture, and clothing.

Your living space is the base area of all rooms in your apartment/ house. Excluded from the calculation are the stairs, balconies, terrace and loft- and basement area, as long as they are not used for residential or hobby purposes.

Your bicycles and e-bikes are protected at the insured address by Getsafe Household insurance up to an insured sum of 1,000€. They do need to be secured: in a locked room that belongs to your flat alone, the locked room is enough — in stairwells and shared rooms the bike has to be locked to a fixed object with its own security lock. We also offer extra protection outside of your home for our bike lovers as an extension.

Yes. Electronic devices such as smartphones or tablets that belong to you or your household members are protected at the insured address by Getsafe Household insurance — against damage from fire, water leakage and storms, as well as burglary and robbery.

The locksmith service is offered in the premium tariff, where we cover the costs incurred for unlocking service in the event of lockout, loss or theft of keys to the insured address up to a maximum of 300€ per insured event.

Dog liability is not automatically included in the Getsafe Household insurance. But you have the option of including it as an extension. Hence you and your furry friend can go out and enjoy life while we take care of the consequences.

Gross negligence is when you are extremely careless or not careful enough. For example, if you leave a candle burning unattended and it results in damage to your household contents, it is Gross negligence. Getsafe’s comfort tariff covers 10%, and the premium tariff covers 100% of the insured sum in case of Gross negligence.

As a rule, the replacement value: if an item is destroyed or lost, we pay what a new one of the same kind and quality costs. If it is only damaged, we cover the repair costs — up to the replacement value at most. A few things are settled at their current value instead, such as antiques, works of art and items stored in the attic or cellar. For valuables like jewellery or cash, separate compensation limits also apply.

Private liability insurance protects you in the event of personal injury, property damage and financial losses you culpably inflict on others. With Getsafe’s liability insurance, we will protect you if you accidentally damage or injure other people, their property or assets up to 2Mio € with comfort tariff and up to 4Mio € with premium tariff worldwide.

Yes, in two ways. Your private liability protects you worldwide — up to 2 Mio. € on the Comfort and up to 4 Mio. € on the Premium tariff. And your household contents stay covered while you take them with you temporarily: anywhere in Europe for up to 6 months on Comfort and up to 12 months on Premium, up to 10 % and 20 % of your insured sum respectively. Burglary away from home is covered under the same conditions as at home. Simple theft outside your home is only insured in the cases we spell out — for example at your workplace or from a locked car boot.

Upon the start date of your insurance, we will instantly issue your policy document and send it to you by email. You can always access your policy document on your Getsafe app too.

Unfortunately, not as we are fully digital. But you will receive your policy document via email on the start date of your insurance, and you can always access your policy document on your Getsafe app.

You can file a claim in our app anytime by going to the "Service" tab and the "File a claim". Our chatbot Carla will guide you through the process.

Yes. Your coverage will remain intact even if you don’t have a smartphone. However, we recommend downloading the Getsafe app for the best possible insurance experience.

You can change your address directly in your Getsafe app in the Profile > Edit > Address section. There are no admin fees involved for changing your address. However, please keep in mind that your address change may affect your premium price.

The first payment will be charged within 48h of the policy start date. Please be aware that you won’t receive any notification regarding your payments.

Yes. Your relatives that live in the same household as you are also covered by the Getsafe Household insurance — for example your grandparents, parents, children and siblings. One condition applies to the private liability cover included: they are insured as long as they have no private liability insurance of their own and are officially registered at your address.