Insurance for households put to the test - A summary of all winners Nor the deterrent test
When searching for a new home contents insurance policy, it's essential to look beyond the price tag and focus on the necessary components and the scope of services. Here are some key points to consider based on the available information:
- Coverage: A home contents insurance policy protects you financially if your household items are damaged or destroyed by fire, lightning, storm, water damage, burglary, or vandalism. However, damage caused by malicious damage, simple theft, or flooding may not be covered. It's crucial to understand the terms and conditions of your policy to avoid disputes with your insurer.
- Additional Services: Certain additional services such as protection against natural hazards like floods, travel insurance for luggage and cash, or particularly high bicycle insurance can increase the cost of your home contents insurance.
- Comparison: Comparing offers or conducting a home contents insurance test can help find suitable tariffs when choosing a new policy.
- Switching Providers: If you find a better offer with better services or lower contributions, it may be worthwhile to review your existing home contents insurance and consider switching providers. To switch, you'll need to cancel your existing insurance in writing and send it as a registered letter with return receipt.
- Ratings: The Medienversicherung's Premium tariff offers the most favorable tariff in addition to very good ratings. Other insurers such as Alteos, Allianz, Concordia, Cosmos Direkt, DEVK, ERGO, LVM, Provinzial, R+V, and VGH also received "very good" ratings in the ServiceValue survey.
However, it's important to note that the 2024 test results by Stiftung Warentest, Focus Money, Handelsblatt, or Verivox do not provide explicit rankings or top-rated household contents insurance providers in Germany. For the most accurate and up-to-date information, you may need to consult the official websites or recent detailed test reports directly from these publications.
References:
- Stiftung Warentest: Ottonova, Feather, Getsafe, and Württembergische among top dental insurance providers for 2024
- Detailed ratings for dental insurance providers in 2024
- Home and household contents insurance in Germany: coverage types, costs, and advice for expats
- No provider rankings or tests results from 2024 Stiftung Warentest, Focus Money, Handelsblatt, or Verivox for household contents insurance in Germany
- Allianz Leben and R+V Lebensversicherung AG are the leading life insurance companies in Germany according to a 2023 report
ServiceValue surveyed over 4,000 customers in 2022 to evaluate home contents insurers based on 24 service features.
Damage from voltage surges caused by lightning strikes may not be covered by the basic home contents insurance, but can be added as an additional service in the contract.
- Ensuring a balanced lifestyle and home-and-garden setup, it's imperative to consider a home contents insurance policy that offers comprehensive coverage for your household items, specifically protecting against financial loss due to fire, lightning, storm, water damage, burglary, or vandalism.
- To manage your overall finance and maintain the best home-and-garden conditions, additional services like protection against natural hazards, travel insurance, and high bicycle insurance can be beneficial, although they may increase the cost of your home contents insurance.
