Looking for House insurance?

You can find and compare offers here.

https://www.check24.de/hausratversicherung/

Romaniac
Expat.com Experts Team

A house insurance ("Wohngebaeudeversicherung") can only be bought by the owner, not a tenant.
If you mean a household content insurance ("Hausratsversicherung"), then use the link given by Romaniac above.

Thanks guys.. let me check and feedback if i need any help on this topic..

If you rent, the building should be insured over the owner or owners association. Like Beppi mentioned, a policy to cover your household possessions is easily available and costs start at roughly 100 euros or so a year. Prices can vary accordingly to the many possible conditions. It’s important to understand exactly what is covered. A friend of mine met with an insurance broker and showed them his studio where he worked as an artist. They were informed this was his work space. A fire destroyed everything in it and it turned out that the coverage sold him was only for private contents and since his possessions were work related, they didn’t cover them. This was a not a mistake or miscalculation on his part but on the insurance broker’s.

What followed was a years long court case and he lost and is now destitute. They said the ultimate responsibility was for him to read through that pile of technical jargon in fine print in German on the contract rather than trust the broker’s assurances. Not to scare people but better safe than sorry and to point out that the judicial system in Germany is not always fair or straight forward. Household content insurance is highly recommended but make sure the policy is the most appropriate to your situation, get things in writing and have someone objective look it over before signing.

Thank you for very much.. what you told was true.. and it happened to me in the same way for different contract(house) type.

Finally, i found that my company has some tie-up with insurance who provides the complete insurance coverage for all my household things..

Does anyone know of a Hausratversicherung that doesn't require you to have a permanent residency in Germany but covers all your stuff while traveling around as a digital nomad?

DigitalNomads2 wrote:

Does anyone know of a Hausratversicherung that doesn't require you to have a permanent residency in Germany but covers all your stuff while traveling around as a digital nomad?

Sounds unlikely but to say one is a digital nomad is much too general to give a qualified answer. One would have to go into detail about one’s situation; where they live and work, citizenship, residency, work situation.

Not to be disrespectful but most of what I read online about being a “digital nomad” sound like BS to me. Nearly all countries have complicated rules about immigration and work. The theory that people can simply go around most of the rules, including avoiding taxes sounds like wishful thinking at best and often likely fraudulent – or in a gray area. And both government officials and organizations like insurance companies are used to standard situations – and distrustful of unusual exceptions even if technical not disallowed. Rather than a trouble free life, it mostly sounds complex and stressful to me; one rarely has the security of things going as expected.

DigitalNomads2 wrote:

Does anyone know of a Hausratversicherung that doesn't require you to have a permanent residency in Germany but covers all your stuff while traveling around as a digital nomad?

You can only insure your German household if you have one - and you can only (legally) have one if you have a residence visa (and rent or own an appropriate living space).
What you are looking for sounds like a travel insurance to me.
But, as Tom indicated above, no insurance will cover you while doing illegal stuff - and being a "digital nomad" is illegal almost everywhere you could go.