If your stuff gets damaged or stolen
We cover stuff that you own, that’s normally kept at your home, and that was damaged or lost by things such as a fire, a burst pipe, burglary, or robbery (aka contents insurance).
We don’t cover cash, or stuff that’s primarily used for your business, or things you willingly handed over to someone else to look after.
This policy covers your stuff, up to a limit of 30.000 € per event,
for damages caused by fire, smoke, explosion, burglary, robbery, vandalism, windstorm, hail, collisions by vehicles or aircraft to your home, and water damage caused by an unintended leakage of tap water, like burst pipes or appliance leaks, or leaking waterbeds and aquariums.
Your stuff is also covered against theft as long as you have taken reasonable care to protect it. Theft means when someone steals your stuff without illegally entering the premises or threatening violence. So if your mobile phone or bicycle gets stolen while outside your home, you’re covered. Just remember to lock up your bicycle, and to avoid leaving your phone unattended, otherwise any theft would not be covered.
You’re also covered for damages to your stuff caused by lightning (including overvoltage due to lightning), flooding and weather-related backwater, earthquake, subsidence, landslide, snow pressure, avalanches, and volcanic eruptions.
We also cover reasonable and necessary costs arising from covered damages (e.g. to protect your stuff, for experts to assess the damage, to clean-up, to move your stuff during repairs, to transport your stuff into temporary storage or to a new address, to replace the locks, to provide temporary security). If the total damages exceed the coverage amount you selected, we’ll provide an extra 10% to cover these additional costs.
What's not covered
Damages not mentioned above, such as “I lost it,” “my dog ate it,” “my kid dropped it,” “my power went out,” “my computer died,” “my roof is leaking,” “I overfilled my bathtub,” “I found mold on my sofa,” aren’t covered.
We pay up to 5.000 € per item. Higher value items will need to be added to your policy and approved by our team first. So please let us know if you have any items worth more than 5.000 € each, so we can cover them fully. Things normally purchased as a pair or set, like a pair of earrings or a drum kit, are considered a single item.