Inspection of Household Insurance - A Summary of Tested Winners in the Market
Top Household Contents Insurance Providers in Germany for 2024
In the latest tests and comparisons by Stiftung Warentest, Focus Money, Handelsblatt, and Verivox, the best household contents insurance providers in Germany for 2024 include Ammerländer Excellent, Allianz Sicherheit Plus, and Waldenburger Premium.
These providers stood out in the Stiftung Warentest 2024 evaluation, which assessed 260 tariffs from 89 insurers, focusing on coverage quality, including protection against gross negligence, theft, natural hazards, and additional options like bicycle theft and electronic device coverage.
Ammerländer Excellent was highly rated by Stiftung Warentest and comparison sites for its high-quality tariffs. Allianz Sicherheit Plus was well-reviewed by Stiftung Warentest and Focus Money for its broad coverage and solid market presence. Waldenburger Premium was recognized by Stiftung Warentest and Verivox for its comprehensive protection, including extras.
These insurers typically allow customers to select coverage options tailored to their personal needs, such as theft from car, e-bike theft, or inclusion of natural hazard coverage. This emphasizes the importance of customizing policies beyond just price.
If you're looking for the most suitable and cost-effective option, using comparison tools from Stiftung Warentest or Verivox with your specific household data is recommended, as coverage needs and prices can vary significantly by location and personal situation.
The price of a home contents insurance policy is influenced by various factors, such as the place of residence and the amount of the insured sum. If there are frequent burglaries in the neighborhood or if you live in an earthquake-prone region, you will have to pay more for the insurance. On the other hand, it is possible to save several hundred euros per year by switching providers.
It's crucial to ensure that there is no insurance gap between the old and new insurance when switching providers. A household contents insurance protects against financial burdens if personal belongings are destroyed by fire, lightning, storm, water damage from pipes, burglary, or vandalism.
When looking for a new home contents insurance policy, it's important to consider not only the price but also the necessary components and the scope of services. The analysis and consulting firm ServiceValue surveyed over 4,000 customers in 2022 to evaluate the fairness of household contents insurers. A home contents insurance policy can already be taken out for less than 50 € per year. However, it can also cost several hundred euros.
Remember, even the best home contents insurance does not cover everything, and it's important to know the terms of the insurance and when a claim for compensation for damage can be made. When terminating the existing home contents insurance, it is best to do so in writing and send it as a registered letter with return receipt to prove the timely delivery.
[1] Stiftung Warentest (2024). Hausratversicherung: Die besten Anbieter im Test. Retrieved from www.stiftung-warentest.de
[2] Focus Money (2024). Die besten Hausratversicherungen. Retrieved from www.focus-money.de
[3] Verivox (2024). Hausratversicherung: Vergleiche und testen. Retrieved from www.verivox.de
Other providers, apart from Ammerländer Excellent, Allianz Sicherheit Plus, and Waldenburger Premium, might offer competitive finance options for household contents insurance, as multiple insurers were evaluated during the Stiftung Warentest 2024 assessment to determine the best providers. When searching for additional coverage, consider exploring options from comparison sites like Verivox for a comprehensive view of available finance alternatives.
