Generali Home Insurance Experiences: Insights and Performance Analysis for Optimal Protection
26 Apr 2025
12
Minutes
Katrin Straub
Managing Director at nextsure
Looking for genuine Generali home contents insurance experiences? This post highlights customer feedback and tariff details. Find out if Generali offers the right protection for your home.
The topic in brief and concise terms
Generali household insurance experiences are mixed; tariffs such as KomfortPlus and Optimal offer comprehensive coverage, including gross negligence and often high compensation limits for bicycle theft.
Customer reviews for Generali generally show a tendency towards criticism regarding service and processing times (e.g., 2.2/5 stars on Finanzfluss), while specific contents insurance policies sometimes receive very good ratings from rating agencies (e.g., FFF+ from Franke and Bornberg for Optimal).
Important features include the waiver of underinsurance (often from €650/sqm), coverage for valuables (e.g., 20-30% of the sum insured), damages due to overvoltage, and optional coverage for natural hazards, as well as additional components like a home and apartment protection letter.
Analyse of customer reviews for Generali home insurance
The experiences with the Generali household contents insurance are varied and reflect different customer experiences. An analysis of 125 general Generali reviews on Finanzfluss shows that 68 percent are negative, resulting in an average score of 2.2 out of five stars. It is important to note that these reviews cover all divisions of Generali. For household contents insurance specifically, there is more nuanced feedback that requires closer examination. These insights help to paint an initial picture of the Generali household contents insurance experiences.
Some customers report positive experiences, particularly with the handling of straightforward claims or when an advisor actively supports them. For example, a breakdown service case was solved on the weekend with a hire car within a few hours to the client’s satisfaction. On the other hand, other customers criticize long processing times for benefit applications and communication perceived as inadequate. The range of experiences highlights the need to examine individual needs carefully. Analyzing customer feedback is a first step to finding the right household contents insurance.
Independent tests offer another perspective on Generali household contents insurance. Besserberater rates the ComfortPlus tariff with an overall score of 2.3 and describes it as a good tariff, but also points out more powerful alternatives. Franke und Bornberg awarded the Optimal tariff of Generali household contents insurance the grade FFF+ (excellent) in April 2025. These different ratings show how important a detailed tariff comparison is. Considering such test results is essential for a well-informed decision.
Understanding Generali household insurance rates and their core benefits
Generali offers a variety of home contents insurance plans to meet different customer needs. Well-known options include the Basic, KomfortPlus, and Optimal plans. The Basic plan covers fundamental risks, with valuables insured up to twenty percent of the total insured value, and hotel costs covered up to one percent of the total insured value. This plan is suitable for cost-conscious customers with manageable contents. A thorough comparison of home insurance plans is advisable.
The KomfortPlus plan significantly extends the range of coverage. Here, valuables are insured up to thirty percent of the total insured value. An important advantage is the inclusion of damage due to gross negligence up to the full insured amount. Overvoltage damage caused by lightning is also covered up to the insured amount, with a minimum insured value of 650 euros per square meter recommended to avoid underinsurance. Bicycle theft is covered in the KomfortPlus plan up to 5,000 euros.
Generali’s Optimal plan promises even more comprehensive protection. This plan boasts unlimited coverage without the complicated calculation of insured amounts for standard risks such as fire or water damage. Particularly noteworthy is the full compensation even in cases of damage caused by gross negligence and unlimited coverage for bicycle theft and overvoltage damage. The differences between building and contents insurance should be clear. The following benefits are often part of Generali's home contents insurance:
Protection against fire, water damage, storm/hail, and burglary.
Coverage for gross negligence, often up to the full amount.
Protection of valuables, typically between twenty and thirty percent of the insured amount.
Bicycle theft protection, unlimited in the Optimal plan.
Coverage of hotel costs if the apartment is uninhabitable.
Protection against overvoltage damage caused by lightning.
Optional coverage for elemental damages.
This tariff structure allows for adaptation to individual security needs and household valuables. The exact conditions and compensation limits, such as for cash (often around 1,000 euros), should always be taken from the current contract documents.
Approaching claims handling and important clauses in a practical way
In the event of damage, a clearly defined process is crucial for prompt settlement. Generali offers a 24/7 damage report service. Careful documentation of the damage with photos and a detailed list of damaged or stolen items is essential. In case of burglary, for instance, a list of stolen items should be created and old photos attached if necessary. It is important to know when the household insurance applies.
The clause on gross negligence is an important aspect of many Generali household insurance policies, especially in the KomfortPlus and Optimal tariffs. These tariffs often provide full compensation even for damages caused by gross negligence, which represents a significant advantage. An example would be an unattended burning candle causing a fire. Without this inclusion, the benefit could be significantly reduced. The importance of gross negligence should not be underestimated.
Some tariffs, such as the Optimal tariff, offer a best performance guarantee when concluded as part of a wealth protection policy. If the customer finds another insurer with better benefits within five years, Generali adjusts its performance in case of damage. Our expert tip: Check the conditions for the waiver of underinsurance carefully. Often a minimum insurance sum per square meter (e.g., 650 euros) is required to avoid reductions in the event of damage. This ensures full compensation up to the agreed sum. Sometimes it can be wise to opt for a payout for the damage.
Additional modules like the house and apartment protection letter can organize quick assistance by craftsmen or locksmiths in emergencies. Bicycle protection is also a frequently requested extra. Generali offers different coverage amounts depending on the tariff, even unlimited protection in the Optimal tariff. The exact conditions for when the locksmith is covered are defined in the protection letter. For special risks such as glass breakage, there is often the option to either take out a separate glass insurance or integrate it as a module. It may also be worth considering whether household and building insurance should be bundled with one insurer.
Expert tips for choosing your Generali home insurance
When selecting Generali household insurance, you should carefully assess your individual needs and the value of your household contents. It is often recommended to have a sum insured of at least 650 euros per square metre of living space to avoid underinsurance. Carefully compare the benefits of the Basic, KomfortPlus, and Optimal plans. Pay attention to details such as the compensation limits for valuables, which can be twenty percent in the Basic plan and thirty percent in the KomfortPlus plan.
Our expert tip: Place special emphasis on the inclusion of gross negligence. The KomfortPlus and Optimal plans from Generali often offer full coverage up to the sum insured in this regard. This can be crucial in the event of damage and protect against significant financial disadvantages. Also check whether optional add-ons such as natural disaster protection are relevant for your residential area; here, a deductible of one percent, at least 500 euros, often applies.
Read customer reviews and test results critically. While some platforms show a high number of negative overall ratings for Generali (e.g., 2.2 out of five stars on Finanzfluss with 68 percent negative votes across all categories), there are also positive test results for specific household insurance plans (e.g., FFF+ from Franke and Bornberg for the Optimal plan). Weigh up which aspects are a priority for you. Personal advice can help you find the right protection and clarify any questions. nextsure is happy to assist you with a free review of your insurance situation.
Also consider the possibility of additional add-ons. The home and apartment protection letter can provide valuable assistance in emergencies such as a burst pipe or if you get locked out. For bicycle owners, the level of cover in the event of theft is an important point; the Optimal plan even promises unlimited cover for bicycles and e-bikes up to 25 km/h. These details can make the difference in case of a claim.
More useful links
Wikipedia offers a comprehensive article on contents insurance in Germany.
The insurance ombudsman provides information as an independent arbitration body for insurance matters in Germany.
FAQ
Welche Erfahrungen haben Kunden mit der Generali Hausratversicherung gemacht?
Kundenberichte zur Generali Hausratversicherung variieren. Einige loben schnelle Abwicklungen, andere kritisieren Bearbeitungszeiten und Service. Finanzfluss zeigt für Generali allgemein eine Durchschnittsbewertung von 2,2 von fünf Sternen, wobei 68 Prozent der Bewertungen negativ sind. Spezifische Hausrat-Tarife wie 'Optimal' werden von Franke und Bornberg jedoch mit 'hervorragend' (FFF+) bewertet.
Was ist im KomfortPlus Tarif der Generali Hausratversicherung enthalten?
Der KomfortPlus Tarif der Generali Hausratversicherung beinhaltet in der Regel Versicherungsschutz bei grober Fahrlässigkeit bis zur Versicherungssumme, Wertsachen bis zu dreißig Prozent der Versicherungssumme, Fahrraddiebstahl bis zu einer Höchstgrenze von beispielsweise 5.000 Euro und Schutz bei Überspannungsschäden.
Deckt die Generali Hausratversicherung Schäden durch grobe Fahrlässigkeit ab?
Ja, insbesondere die Tarife KomfortPlus und Optimal der Generali Hausratversicherung sehen oft eine volle Entschädigung auch bei grob fahrlässig herbeigeführten Schäden bis zur vereinbarten Versicherungssumme vor.
Wie hoch ist die Versicherungssumme für Fahrräder bei der Generali Hausratversicherung?
Die Deckung für Fahrraddiebstahl variiert je nach Tarif. Im KomfortPlus-Tarif können es bis zu 5.000 Euro sein , während der Optimal-Tarif sogar mit unbegrenztem Schutz für Fahrraddiebstahl wirbt.
Was sollte ich bei der Wahl der Versicherungssumme für die Generali Hausratversicherung beachten?
Es wird häufig eine Versicherungssumme von mindestens 650 Euro pro Quadratmeter Wohnfläche empfohlen, um eine Unterversicherung zu vermeiden und den Unterversicherungsverzicht in Anspruch nehmen zu können.
Gibt es bei der Generali Hausratversicherung einen Schutzbrief?
Ja, die Generali bietet optional einen Haus- und Wohnungsschutzbrief an. Dieser kann bei häuslichen Notfällen wie einem Rohrbruch, Aussperren oder Schädlingsbefall schnelle Hilfe durch Handwerker oder andere Dienstleister organisieren.
