Your home optimally insured
Comprehensive protection for your belongings with the home contents insurance from nextsure. Discover flexible tariffs and complete your insurance conveniently online.
Digital Completion
Flexible Tariffs
Comprehensive Protection
What does home contents insurance cover? A comprehensive overview
Protection for furniture, electronics, clothing, and more
Protection against fire, water, storm, theft
Optional components such as natural hazard protection and bicycle security
Customisation to Suit Your Needs
Why is contents insurance indispensable for everyone?
Contents insurance is a fundamental component of your financial security, protecting your personal belongings against a variety of risks. Unforeseen events such as a house fire, water damage from a burst pipe, or a burglary can cause significant financial burdens. The loss or damage of all your household contents – from furniture and electronic devices to clothing and personal valuables – can quickly become threatening to your existence. Contents insurance steps in in such cases and compensates for the incurred damage, ensuring you are not left with the costs. This applies to tenants as well as owners of a flat or house. Taking out contents insurance not only provides material compensation but also an invaluable sense of security and peace of mind, knowing that your home and belongings are comprehensively protected. Given the potential level of damages, the relatively low premiums for contents insurance are very well balanced with the protection offered. At nextsure, you will find tailor-made policies which you can digitally and effortlessly adapt to your needs.
YOUR PROTECTION PACKAGE
Services of our household insurance
Fire protection
Protection against fire, lightning, explosion, implosion.
Water protection
Protection against tap water, pipe breakage, and frost damage.
Storm protection
Coverage for damage caused by storms and hail.
Theft protection
Security against burglary, robbery and vandalism.
Elementar Plus
Optional protection against further natural hazards such as flooding.
Bicycle protection
Worldwide theft protection for your bicycle or e-bike.
Glass breakage
Additional protection for glass surfaces on buildings and furniture.
Valuables
Increased compensation limits for your most valuable possessions.
External insurance
Worldwide protection for your household contents while travelling.
Discover the building blocks for your security.
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The Right Insurance Sum: Avoiding Underinsurance
Correctly determining the sum insured is a crucial aspect when taking out your home insurance to avoid an unpleasant surprise in the form of underinsurance in the event of a claim. Underinsurance occurs when the insured value of your household contents is lower than the actual replacement value. In the event of a claim, the insurer then reduces the compensation proportionally, even if the damage itself is below the agreed sum insured. To prevent this, there are two common methods of valuation: the square metre model, where a flat rate is applied per square metre of living space (e.g. 650 to 750 euros), or the detailed inventory list, where you record the value of all individual items. The square metre model is simpler but carries the risk of inaccurate estimation, especially with high-quality furnishings. An inventory list is more time-consuming but more precise. Many insurers, including nextsure, offer a so-called underinsurance waiver if the sum insured is calculated using the square metre model. It is advisable to regularly review and adjust the sum insured, especially after major purchases or increases in value, to ensure optimal protection at all times.
Contents insurance costs: What determines the premiums?
The cost of home contents insurance, or your insurance premium, is influenced by various factors. A key point is the agreed insurance sum: the higher the value of your household contents, the higher the premium. Your place of residence also plays a role, as insurers divide Germany into tariff zones that reflect the local risk for, for example, burglary or severe weather. Urban areas with higher burglary rates can be more expensive than rural regions. Additionally, the premium depends on the chosen tariff and the associated range of services; basic tariffs are cheaper than comfort or premium tariffs with extended coverage. The decision for or against a deductible (the amount you pay in the event of a claim) also has an impact: a higher deductible leads to lower premiums. Additional components such as protection against natural hazards, a bicycle clause or glass insurance increase the premium but also offer enhanced protection. At nextsure, you can configure your tariff transparently and digitally, allowing you to find the optimal price-performance ratio for you without having to forgo important protection.
Natural hazard damage: When is this additional module useful?
The additional module "Natural Hazard Damage" in home contents insurance covers damage caused by extended natural hazards. These typically include flooding (including heavy rain and backwater), earthquakes, subsidence, landslides, snow pressure, and avalanches. Standard home contents insurance often does not cover these specific risks adequately or at all. The relevance of this additional module strongly depends on your individual risk situation, particularly the geographical location of your apartment or house. If you live in a flood-prone area, near bodies of water, or in a region with high snow loads, natural hazard protection is strongly recommended. However, even outside classic risk areas, the frequency and intensity of extreme weather events are increasing due to climate change, making this protection increasingly important. A careful risk analysis, possibly with the assistance of information portals on natural hazards, is advisable. nextsure offers you the opportunity to flexibly add this important module to your home contents policy and thus comprehensively protect your belongings against the financial consequences of natural disasters.
Bicycle Theft: Optimal Protection for Your Bicycle or E-Bike
Bicycles and e-bikes are valuable possessions and unfortunately also sought-after targets for thieves. Home contents insurance can offer protection here, but the extent varies. In the basic cover, bicycle theft is often only insured if the bike is stolen from locked rooms (e.g., cellar, apartment, locked garage). For more comprehensive protection, especially if you frequently leave your bicycle outside, a special bicycle clause or an additional bicycle module is essential. This generally extends the insurance cover to theft around the clock and in any location, provided the bicycle was secured with an appropriate lock (the lock requirements are defined in the conditions). For expensive e-bikes or pedelecs, this extended protection is particularly important. Pay attention to the sum insured for bicycles, which is often limited to a percentage of the total home contents insurance sum or defined as a fixed amount. Document your bicycle purchase well (receipt, frame number) to be able to prove its value in the event of a claim. At nextsure, you can integrate bicycle protection into your home contents insurance as needed.
Residential building
Protection for Your Home
Personal liability insurance
Essential basic protection
Legal protection
Help in case of dispute
Glass breakage insurance: Is the additional protection worth it?
A glass breakage insurance is an optional additional component to home contents or building insurance, covering damage to building and/or furniture glass. Building glass includes, for example, window and door panes, glass roofs, conservatories, or glass shower cubicles. Furniture glass encompasses, for example, display cabinet panes, glass tables, or mirrors. While standard home contents insurance often only covers glass damage caused by insured risks such as fire or storm, separate glass breakage insurance covers any cause of breakage – including own fault or clumsiness. Whether this additional protection is worthwhile depends on your individual living situation. If you have large glass areas, a conservatory, expensive glass furniture, or children in the household, glass breakage insurance can be sensible to avoid high repair or replacement costs. Carefully examine the coverage and any exclusions (e.g., for hollow glass like vases, lampshades, or screens). nextsure offers you transparent information to make the right decision for your individual needs.
Claim for household insurance: How to proceed correctly
In the event of damage, correct and swift action is crucial for a smooth processing by your contents insurance. Initially, take immediate measures to mitigate the damage, provided this can be done without risking personal safety (e.g. turning off the water in case of a burst pipe, securing windows temporarily after a break-in). Document the damage promptly and comprehensively: Take photos or videos of the damaged items and the circumstances of the damage. Create a detailed list of all damaged, destroyed, or stolen items and, if possible, gather purchase receipts or other proofs of value. Report the damage to your insurer immediately – usually within a few days. This can conveniently be done digitally via nextsure. Have your insurance number ready. In cases of burglary, robbery, or vandalism, it is also necessary to file an immediate report with the police; you will need the case number for the insurance. Try not to alter the damage site until released by the insurer, unless it serves the purpose of damage reduction. Follow the insurer's instructions and submit all requested documents completely to ensure swift processing.
Home contents insurance comparison: What you should pay attention to
When comparing household insurance policies, you should not only consider the price, but also pay particular attention to the scope of cover and the contract terms to find the right protection for you. An important aspect is the coverage area of the insurance: What risks are covered (fire, water damage, storm/hail, burglary, etc.)? Are there any exclusions? Check the insurance sum and whether a waiver of underinsurance is offered. Pay attention to compensation limits for valuables (jewellery, cash, art), bicycles, or damages due to gross negligence. Are additional benefits such as outside insurance (protection for household items while travelling), hotel cost coverage or protection against power surge damage due to lightning included or optionally selectable? Also, compare the provisions for replacement value compensation. Customer service, availability, and the speed and fairness in claims handling are also important criteria, often found in customer reviews or test results. nextsure values transparent tariffs, a fully digital conclusion process, and clear conditions to make comparison and selection easier for you and to offer a modern, needs-based insurance coverage.
What are typical exclusions in home contents insurance?
The home insurance from nextsure is specifically tailored to the needs of digitally savvy customers who value flexibility, transparency, and straightforward processes. As a modern insurtech company, we offer you the ability to complete and manage your home insurance entirely online—anytime, anywhere. Our plans are modular, allowing you to tailor your coverage to your living situation and valuables. Choose from various service packages and useful additional modules such as elemental protection, bicycle theft protection, or glass breakage insurance. We focus on clear and comprehensible insurance terms without hidden clauses. Our Unique Value Proposition lies in the combination of a specialized niche portfolio, expert advice, and, if needed, personalized consultation alongside a fully digitized experience. Benefit from fair premiums and quick, efficient claims management. Rely on nextsure, your partner for digital and bespoke insurance protection that reliably secures your home and possessions. Also, discover our other insurance solutions for all areas of life.
