What Does German Household Contents Insurance Cost?
Yearly premium and sum insured by living space, location (ZÜRS zone) and tariff — including natural-hazard cover and deductible.
Home & tariff
Location & cover
- Yearly premium
- €122.72
- Monthly premium
- €10.23
- Sum insured
- €52,000
- €/sqm
- €650
- Base premium
- €104.00
- Natural-hazard surcharge
- €18.72
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Breakdown
| Category | Amount |
|---|---|
| Living space | 80 qm |
| €/sqm (tariff) | €650 |
| Sum insured | €52,000 |
| ZÜRS zone | 1 |
| Base premium | €104.00 |
| Natural-hazard surcharge | €18.72 |
| Deductible | €0 |
| Total yearly premium | €122.72 |
Note: Premiums are average values for German household contents insurance (Hausratversicherung) tariffs in 2026. Actual premiums vary by insurer (Allianz, AXA, HUK-COBURG, HUK24, Gothaer, VHV), deductible, dynamic adjustments and special tariffs. The recommended sum insured is the German insurance industry (GDV) rule of thumb of €650/sqm at comfort level — for high-value contents (designer furniture, art, premium electronics) the premium tariff at €800/sqm is more appropriate. Natural-hazard cover is significantly more expensive in high-risk zones (ZÜRS 3/4) and indispensable after a flood event.
Background
German Household Contents Insurance 2026: Sum Insured, €/sqm and Natural-Hazard Cover Explained
11 Min.