If you rent or buy a home in Germany, you should purchase a household insurance. Household insurance provides insurance protection for the furnishings and other personal effects in your household (Hausrat). Almost all movable items in the household of the person purchasing the insurance are insured. These include, for example, furniture, household electronics, clothing and food. These items are insured against damage from fire, water, storm, hail, theft, robbery and vandalism.
We recommend that you ask about the precise scope of the insurance protection in a personal consultation with the insurance of your choice.