Germany Home Insurance for Immigrants – Live in Germany

As you begin your journey of settling into life in Germany, understanding the essentials of everyday living becomes increasingly important—and one of the most critical aspects is securing proper home insurance. Whether you’re renting an apartment in Berlin or buying a house in Munich, Germany Home Insurance for Immigrants is not only a wise financial decision, but often a legal and contractual requirement.

Germany has a well-regulated housing system, and part of that structure includes a strong culture of insurance. Landlords may demand proof of insurance before handing over keys, and homeowners are expected to carry coverage that protects against fire, theft, flooding, and more. Fortunately, the German insurance market is mature, competitive, and offers plenty of options for immigrants from all backgrounds.

This guide is designed to walk you through everything you need to know about home insurance in Germany—from what it covers and how much it costs, to how to file a claim and avoid common mistakes. If you’re an immigrant planning to live in Germany, this information will help you protect your home, belongings, and peace of mind.

What is Home Insurance in Germany?

Home insurance in Germany is divided into two main types:

1. Hausratversicherung (Household Contents Insurance)
   This covers personal belongings inside your home, such as electronics, furniture, clothing, and kitchen appliances. It protects against events like fire, water damage, burglary, vandalism, and storms.
2. Wohngebäudeversicherung (Building Insurance)
   This applies to property owners and covers structural elements of a home such as walls, roofs, and permanent fixtures. It’s especially important if you own a house or condo.

Most tenants opt for Hausratversicherung, while homeowners typically combine both types for complete coverage.

Why Immigrants Need Home Insurance in Germany

As an immigrant, settling into a new country involves many changes, and securing home insurance should be one of your top priorities. Here’s why:

• Peace of Mind: You can rest easy knowing your belongings are protected against theft, fire, or damage.
• Landlord Requirements: Many landlords require tenants to show proof of insurance.
• Legal and Financial Protection: Insurance can cover liability if, for example, a fire from your apartment damages neighboring units.
• Affordable Coverage: Basic household insurance is relatively cheap in Germany, making it an easy investment.

Types of Home Insurance in Germany

1. Hausratversicherung (Household Contents Insurance)

• Covers personal possessions inside your home
• Includes protection against fire, flooding, storms, burglary, vandalism, and certain natural disasters
• Optional add-ons: bicycle theft, glass breakage, or extended natural hazards

2. Wohngebäudeversicherung (Building Insurance)

• Covers damage to the building itself, not contents
• Required if you own the property or have a mortgage
• Can include add-ons like earthquake or flood coverage

3. Private Liability Insurance (Privathaftpflichtversicherung)

While not technically home insurance, it is often bundled and highly recommended. It covers damages you cause to others—like flooding your downstairs neighbor’s flat.

How to Choose the Right Home Insurance in Germany

Finding the right insurance depends on your living situation and personal needs:

• If You’re Renting: Choose Hausratversicherung for contents and Privathaftpflichtversicherung for personal liability.
• If You’re Buying a Home: Get both Hausrat and Wohngebäudeversicherung.
• If You Own Pets or Valuable Items: Look for policies with pet coverage or high-value item protection.

Compare policies on German insurance comparison sites like Check24, Verivox, or Finanzcheck. Look at:

• Coverage limits
• Deductibles (Selbstbeteiligung)
• Additional services
• Customer reviews

Top Home Insurance Providers in Germany

Here are some of the most reputable home insurance companies in Germany:

1. Allianz – Germany’s largest insurer with comprehensive packages for homeowners and renters
2. HUK-Coburg – Known for affordability and excellent customer service
3. AXA – Offers extensive coverage and customizable options
4. DEVK – Specializes in household and liability insurance with strong support for families
5. LVM Versicherung – Offers regional support with strong digital tools

Many of these companies offer English-language support or have agents that speak multiple languages.

Cost of Home Insurance in Germany

Home insurance in Germany is generally affordable:

• Hausratversicherung (Renters Insurance):
  €30–€100 per year depending on apartment size, location, and coverage amount.
• Wohngebäudeversicherung (Building Insurance):
  €200–€500+ per year based on property value, location, and construction materials.

Adding liability or premium services will increase your total costs. Bundling policies with the same provider can result in discounts.

SEE ALSO: Germany Work Visa for Immigrants – Visa Sponsorship in Germany

How to Apply for Home Insurance in Germany

Step 1: Compare Quotes

Use online platforms like Check24 to get personalized insurance offers.

Step 2: Choose a Provider

Review policy details carefully. Look for options that match your needs and budget.

Step 3: Submit an Application

You’ll need to provide:

• Your name and contact information
• Your address and property type
• Size of your home in square meters
• Value of your belongings (for contents insurance)

Step 4: Receive Your Policy

Once approved, you’ll receive a digital or paper policy (Versicherungsschein). Keep this for your records.

What to Do in Case of a Claim

In the event of damage or loss:

1. Notify Your Insurer Immediately
2. Provide Evidence – Photos, receipts, police reports (for theft)
3. Fill Out a Claim Form – Often available online
4. Wait for Assessment – An inspector may visit your home
5. Receive Reimbursement or Repair Services

Always report claims as soon as possible to avoid complications.

Common Mistakes to Avoid When Buying Home Insurance

• Underestimating the Value of Your Belongings
  This may result in undercoverage, which limits compensation.
• Not Reading the Fine Print
  Exclusions may apply for negligence, certain natural disasters, or items over a certain value.
• Delaying Insurance
  Don’t wait until after damage occurs—apply before moving in.
• Skipping Liability Insurance
  Many renters skip Privathaftpflichtversicherung, which can save you from costly accidents.

Tips for Immigrants to Save on Home Insurance

• Bundle Policies – Combine home, liability, and car insurance with one provider for discounts.
• Choose Higher Deductibles – This lowers your monthly premiums.
• Pay Annually – Many insurers offer discounts for upfront yearly payments.
• Maintain Security – Homes with smoke detectors, alarms, and secure doors often receive lower rates.

Home insurance is more than just a formality in Germany—it’s a shield that protects your finances, your property, and your future. Whether you’re renting a cozy apartment or investing in your dream home, having the right coverage is essential to living with peace of mind.

As an immigrant, understanding the types of home insurance, comparing providers, and applying early can make your transition into German life smooth and secure. With careful planning and reliable coverage, you’ll be well on your way to building a safe, comfortable home in one of Europe’s most prosperous countries.