{"id":8570,"date":"2020-08-15T14:02:21","date_gmt":"2020-08-15T13:02:21","guid":{"rendered":"https:\/\/www.lemonade.com\/de\/blog\/?p=8570"},"modified":"2025-06-08T09:36:41","modified_gmt":"2025-06-08T08:36:41","slug":"contents-insurance-germany","status":"publish","type":"post","link":"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/","title":{"rendered":"Mastering German Contents Insurance Like a Pro"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Let\u2019s be honest: There are more interesting topics than contents insurance. Insurance in general is one of those things you can keep putting off until you <\/span><i><span style=\"font-weight: 400;\">have<\/span><\/i><span style=\"font-weight: 400;\"> to talk about it.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">However, contents insurance, together with <a href=\"https:\/\/www.lemonade.com\/de\/blog\/liability-insurance-germany\/\">personal liability insurance<\/a>, is one of the most important German insurance policies. Meaning, it\u2019s something you definitely shouldn&#8217;t skip. But what exactly makes these policies so important? Let\u2019s assume your beloved laptop or that flat screen you saved up for falls victim to some nasty water damage\u2014in a situation like this, contents insurance would have your back, as well as in many other unfortunate scenarios.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If you don\u2019t have a lot of time, feel free to check our summary on \u201cHausratversicherung\u201d, aka contents insurance in German below:<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Your policy protects your &#8220;moveable\u201d possessions, meaning everything you\u2019d take with you if you\u2019d move, from damages caused by a fire, tap water, or a burglary.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">You can get a basic contents policy for just a few euros a month.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">If worse comes to worst, contents insurance could reimburse you up to the amount you could buy yourself a replacement for your damaged or stolen item.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">With Lemonade, you can get yourself a policy in just a few minutes from your smartphone or laptop. You can easily extend your basic coverage by adding the Anti-Theft or Extreme Weather Package.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n\n\n\n<p><b><span style=\"font-weight: 400;\">Ready for a deep dive into the world of German insurance? We\u2019ll cover the following topics: <\/span><\/b><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#defining-contents-insurance\"><span style=\"font-weight: 400;\">What is contents insurance?<\/span><\/a><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#do-i-need-contents-insurance\">Do I need contents insurance?<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#which-items-are-insured\">Which items are insured under my contents policy?<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#contents-insurance-coverage\">When does contents insurance kick in?<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#contents-insurance-reimbursement\">What does my contents insurance reimburse me for?<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#what-is-not-covered\">What\u2019s not covered under my contents policy?<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#costs-contents-insurance\">How much is contents insurance?<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#Lemonade-add-ons\">Additional protection to play it safe<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#how-to-get-contents-insurance\">How to get contents insurance<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#Lemonade-insurance\">Get insured and make a difference<\/a><\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading defining-contents-insurance\" id=\"defining-contents-insurance\"><b>What is contents insurance?<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Over time, we tend to accumulate lots of&nbsp; stuff. Even if you prefer buying your clothes and furniture second hand, all of your things combined are probably worth a lot more than you think! Contents insurance, also known as \u2018home contents insurance\u2019, \u2018household contents insurance\u2019 or simply \u2018household insurance\u2018 protects all of your possessions from damage or loss.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">So, if your washing machine floods your apartment and ruins your furniture while you\u2019re out at a Gerhard Richter ex<\/span><span style=\"font-weight: 400;\">hibition, your coverage will kick in. Contents insurance covers damages, but also has your back in the event of a robbery or burglary. In addition, some contents insurers off<\/span><span style=\"font-weight: 400;\">er add-ons that will cover you if your smartphone gets snatched while you\u2019re hanging out at your favorite caf\u00e9 (such as the Lemonade Anti-Theft Package!).<\/span><\/p>\n\n\n\n<p><b><i>In plain English:<\/i><\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Your contents policy covers your stuff that\u2019s normally kept in your home and that belongs to you. However, Lemonade insurance also covers your stuff during trips abroad (for up to 3 months).<\/span><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/08\/personal-property.png\" alt=\"contents insurance germany\" class=\"wp-image-8572\" srcset=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/08\/personal-property.png 1200w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/08\/personal-property-300x157.png 300w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/08\/personal-property-1024x536.png 1024w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/08\/personal-property-768x402.png 768w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/08\/personal-property-400x209.png 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"do-i-need-contents-insurance\"><b>Do I need contents insurance?<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Unlike car insurance, both German home contents insurance and personal liability insurance (aka \u201cprivate Haftpflichtversicherung\u201d) are not legally required in Germany, but some landlords might ask for proof of both. According to the <\/span><a href=\"https:\/\/www.mieterbund.de\/mietrecht\/mietrecht-a-z\/stichworte-zum-mietrecht-g\/hausrat-und-haftpflichtversicherungen.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">German Tenants\u2019 Association<\/span><\/a><span style=\"font-weight: 400;\"> (\u201cDeutscher Mieterbund\u201d) this request isn\u2019t technically legally valid. However, reality looks slightly different.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">There\u2019s lots of competition when it comes to affordable housing \u2013 and not only in Berlin. You might want to give yourself an edge on the competition, and consider getting yourself both insurances.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Not to mention, this particular insurance is useful and worthwhile! It could provide you with a safety net in case of an emergency.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Btw, what matters for contents insurance isn\u2019t the value of a single item, but the value of <\/span><i><span style=\"font-weight: 400;\">all<\/span><\/i><span style=\"font-weight: 400;\"> your belongings combined.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Imagine turning your entire&nbsp; apartment upside down and counting every item (like furniture, carpets, clothes, electronic devices, bicycles, and musical instruments) that would fall down. Now imagine that you have to replace all these things because your apartment has been destroyed by fire or water. This would not only be super stressful and devastating, but it could cost tens of thousands of euros to replace your stuff. And that\u2019s why your contents policy is so important.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">It\u2019s already frustrating enough if your locked bicycle is stolen from the subway station, or if someone breaks into your apartment and steals your MacBook. Contents insurance is here to help you out in these kinds of situations.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"which-items-are-insured\"><b>Which items are insured under your contents insurance?<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Your policy covers your stuff that\u2019s normally kept in your home and belongs to you\u2014from damage or loss. The following things are included in your policy:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Jewelry (like watches, engagement rings, and necklaces)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Designer items (such as handbags)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Furnishings (like furniture, carpets, and lamps)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Bicycles<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Musical Instruments<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Cameras<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Electronic devices (like TVs, laptops, and phones)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Clothing<\/span><\/li>\n<\/ul>\n\n\n\n<p><b>Tip<\/b><span style=\"font-weight: 400;\">: Lemonade\u2019s basic policy automatically covers items up to a value of 5,000 euros each. If you\u2019re the proud owner of a super-light carbon mountain bike or a high-end DSLR camera (that\u2019s worth even more than the bike), you can easily add some Extra Coverage for them to your policy. This way, you only pay to cover the things you actually own.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">What do you need to receive&nbsp; Extra Coverage? It\u2019s simple. Just send us a photo of each high-value item, as well as a receipt or appraisal.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If you don\u2019t have any of these on hand, don\u2019t worry! After getting a Lemonade policy, your high-value items enjoy temporary protection for up to two weeks. This means, you\u2019ll have some time to get your records in order before you submit them to us.<\/span><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1450\" height=\"846\" src=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/08\/Contents-Add-Ons-DE.gif\" alt=\"Add-Ons Contents Insurance\" class=\"wp-image-8651\"\/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"contents-insurance-coverage\"><b>When does contents insurance kick in?<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Now for a quick overview of all covered perils (bad things that could happen to your stuff) that your policy could cover:<\/span><\/p>\n\n\n\n<p><b>Burst pipes &amp; leaking appliances<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Your contents insurance policy will cover the costs of replacing your carpet if it is destroyed by your overflowing washing machine.<\/span><\/p>\n\n\n\n<p><b>Burglary &amp; vandalism<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">It also reimburses you if your stuff gets&nbsp; stolen or damaged during a burglary.&nbsp;<\/span><\/p>\n\n\n\n<p><b>Temporary accommodation<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">In addition, some contents insurance policies will also pay for temporary living costs if your home becomes unlivable for various reasons. Let\u2019s assume an electrical outlet catches on fire, and you\u2019ll have to temporarily leave your home and stay at a hotel or an Air<\/span><span style=\"font-weight: 400;\">bnb. Your insurance could help you cover those additional costs! Some insurance providers even pay for further related costs, such as food and parking.<\/span><\/p>\n\n\n\n<p><b>With Lemonade, damages caused by the following factors&nbsp; are covered:<\/b><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Fire &amp; smoke<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Explosions<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Burglary, robbery, &amp; vandalism<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Windstorm &amp; hail<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Collisions by vehicles or aircraft to your home<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Water damage caused by an accidental leak of tap water, like burst pipes or a leaking appliance (e.g. your washing machine), or leaking waterbeds and aquariums&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Gross negligence<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">You can find more info in our <\/span><a href=\"https:\/\/www.lemonade.com\/de\/en\/policy-two\"><span style=\"font-weight: 400;\">Policy 2.0<\/span><\/a><span style=\"font-weight: 400;\">, a radically simplified, modernized, and digitized insurance policy made for the 21st century. Thi<\/span><span style=\"font-weight: 400;\">s means that you can read it and actually understand what\u2019s covered and what isn\u2019t! Btw, all the info is available in English, tailored to any expat\u2019s needs.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"contents-insurance-reimbursement\"><b>What does contents insurance reimburse me for?<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Shit happens, and sometimes your belongings might get damaged or even destroyed by the unexpected. Once your claim is approved, your household contents insurance helps pay for repairing your damaged item (if it\u2019s salvagable!) or reimburses you with the item\u2019s replacement value. Think of the replacement value as the &#8220;Amazon price&#8221; of how the insurance company values stolen or damaged items. That means Lemonade won\u2019t factor how used your item is into the reimbursement.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"what-is-not-covered\"><b>What\u2019s not covered<\/b> under my contents policy<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">It can be frustrating if you don\u2019t know exactly what is and isn\u2019t covered by your policy, especially if you expect something to be covered, and in the end you find out that it isn\u2019t.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">To prevent this from happening, here\u2019s a list of property that are <\/span><i><span style=\"font-weight: 400;\">not<\/span><\/i><span style=\"font-weight: 400;\"> covered by your policy:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Cash, pets, firearms<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Items that you mainly use for your profession<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Objects that you have entrusted to others or that do not belong to you<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Items that you own illegally<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Items that are usually covered by other insurance policies, such as motor vehicles, pets, boats, hunting or professional insurance. Therefore, damage to your car, work equipment such as your laptop or professional camera equipment are not covered.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Damage to property that you have caused intentionally&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Damage caused by war, terrorism, civil unrest, or nuclear energy<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"costs-contents-insurance\"><b>How much is contents insurance?<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">According to German online comparison website <\/span><i><span style=\"font-weight: 400;\">Check24<\/span><\/i><span style=\"font-weight: 400;\">, a basic household policy could cost just a few euros per month. Lemonade is no different: Our basic insurance coverage starts at just two euros a month.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">However, the final cost of your individual policy depends on: how much stuff you own, and its value, if you choose a deductible, or choose to add any extras to your policy. Feel free to&nbsp; read more about our add-ons&nbsp; in the next paragraph.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Lemonade-add-ons\">Additional protection to play it safe<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">With Lemonade, you\u2019re able to adapt your coverage to your individual needs. If you\u2019d like to insure your phone, bike and <a href=\"https:\/\/www.lemonade.com\/de\/blog\/laptop-insurance-germany\/\">laptop<\/a> against theft (outside your home), you can easily activate the Lemonade Anti-Theft Package (from 2 euros\/month). Whether you are hanging out at your favorite restaurant or are vacationing in the Black Forest, with the Anti-Theft Package, your things are insured against theft, at home or away.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">By adding the Extreme Weather Package to your contents policy, you\u2019ll receive even more coverage. Your stuff will be protected against bad weather events such as damage or loss caused by lightning (including overvoltage due to lightning), flooding, weather-related backwater, earthquakes, subsidence, landslides, snow pressure, avalanches, and volcanic eruptions.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-to-get-contents-insurance\"><b>How to get a contents policy<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">The good news is that you don\u2019t need much to get contents coverage in Germany\u2014just your address and a solid estimate of how much coverage you will need.&nbsp;<\/span><\/p>\n\n\n\n<p><b>A rule of thumb to make your calculations:<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Again, imagine turning your flat upside down and looking at all the objects that fall down \u2013 meaning, all of your stuff that\u2019s&nbsp; movable and isn\u2019t connected to the apartment itself. Now, you would simply estimate the <\/span><i><span style=\"font-weight: 400;\">total<\/span><\/i><span style=\"font-weight: 400;\"> value of all of these items. This value is your overall coverage, or your insured sum.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If your lifestyle changes\u2014or you get a lot more stuff\u2014and you want to adjust your policy to fit your needs, don\u2019t worry! With Lemonade\u2019s Live Policy, you can update your coverage directly in the app\u2014wherever you are, with just a few clicks.<\/span><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1450\" height=\"846\" src=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/08\/Contents-Coverage-Amounts-DE-1.gif\" alt=\"\" class=\"wp-image-8853\"\/><\/figure>\n<\/div>\n\n\n<p><b>Insured with Lemonade in just a few seconds<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Signing up for an insurance policy can be a real hassle. So can <\/span><a href=\"https:\/\/www.lemonade.com\/de\/en\/claims\"><span style=\"font-weight: 400;\">filing a claim<\/span><\/a><span style=\"font-weight: 400;\">, which might&nbsp; require filling&nbsp; lots of paperwork. Lemonade\u2019s different. With the help of Maya, our charming bot, you can sign up quickly and easily from your couch. Simply answer a few questions and get a quote in less than two minutes. You can also edit your quote and customize your coverage to fit your needs before you decide to purchase a policy.<\/span><\/p>\n\n\n\n<p><b>Who is covered?<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">You can easily add your children or your significant other (you don\u2019t have to be married!) to your policy, as long as you all live together. Just click on the option that applies to you when you create your quote, or get in touch with our customer support team if you want to add them to an already existing policy. However, any roommates will have to get a separate contents policy.&nbsp; They won\u2019t be covered by your policy.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Lemonade-insurance\"><b>Making a difference with the Lemonade Giveback<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Lemonade is an insurance company designed for the 21st century. Our business model is based on social good. We believe in generating good karma by balancing profit and purpose. One way we achieve this is through our <\/span><a href=\"https:\/\/www.lemonade.com\/de\/en\/giveback\"><span style=\"font-weight: 400;\">Giveback<\/span><\/a><span style=\"font-weight: 400;\"> program, where we donate a portion of our profits to causes our users care about.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Lemonade Inc. is a Public Benefit Corporation and certified B-Corp. We take a <a href=\"https:\/\/www.lemonade.com\/de\/blog\/why-i-tied-my-hands\/\">flat fee<\/a> of the premiums paid, then use the rest of the money to pay claims\u2014and give what\u2019s left to charities.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>German contents insurance offers protection for your valuables like your bicycles, laptops &#038; your Canon. Find out why it\u2019s so important and what to watch out for.<\/p>\n","protected":false},"author":20,"featured_media":6838,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":{"0":"post-8570","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-english","8":"post-hentry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mastering German Contents Insurance Like A Pro \u2022 Lemonade<\/title>\n<meta name=\"description\" content=\"German contents insurance offers protection for your valuables like your bicycles, laptops &amp; your Canon. Find out why it\u2019s so important and what to watch out for.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mastering German Contents Insurance Like A Pro \u2022 Lemonade\" \/>\n<meta property=\"og:description\" content=\"German contents insurance offers protection for your valuables like your bicycles, laptops &amp; your Canon. Find out why it\u2019s so important and what to watch out for.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/\" \/>\n<meta property=\"og:site_name\" content=\"Lemonade Blog \u2014 Storys \u00fcber das Leben, Tech &amp; Versicherung\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Lemonade\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2019\/07\/OG-1200x628px-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Team Lemonade\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Mastering German Contents Insurance Like A Pro \u2022 Lemonade\" \/>\n<meta name=\"twitter:description\" content=\"German contents insurance offers protection for your valuables like your bicycles, laptops &amp; your Canon. Find out why it\u2019s so important and what to watch out for.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2019\/07\/OG-1200x628px-2.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@lemonade_inc\" \/>\n<meta name=\"twitter:site\" content=\"@lemonade_inc\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Team Lemonade\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/\",\"url\":\"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/\",\"name\":\"Mastering German Contents Insurance Like A Pro \u2022 Lemonade\",\"isPartOf\":{\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#website\"},\"author\":{\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/3cfc8336d83e02464ba45881ceab5188\"},\"description\":\"German contents insurance offers protection for your valuables like your bicycles, laptops & your Canon. Find out why it\u2019s so important and what to watch out for.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.lemonade.com\/de\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mastering German Contents Insurance Like a Pro\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#website\",\"url\":\"https:\/\/www.lemonade.com\/de\/blog\/\",\"name\":\"Lemonade Blog \u2014 Storys \u00fcber das Leben, Tech &amp; Versicherung\",\"description\":\"Die neuesten Geschichten vom Lemonade Team\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.lemonade.com\/de\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/3cfc8336d83e02464ba45881ceab5188\",\"name\":\"Team Lemonade\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2995d100e1996e173c9b32ad993be79adde359df21d6ede672ebf92449ac5369?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2995d100e1996e173c9b32ad993be79adde359df21d6ede672ebf92449ac5369?s=96&d=mm&r=g\",\"caption\":\"Team Lemonade\"},\"sameAs\":[\"https:\/\/twitter.com\/lemonade_inc\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mastering German Contents Insurance Like A Pro \u2022 Lemonade","description":"German contents insurance offers protection for your valuables like your bicycles, laptops & your Canon. Find out why it\u2019s so important and what to watch out for.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Mastering German Contents Insurance Like A Pro \u2022 Lemonade","og_description":"German contents insurance offers protection for your valuables like your bicycles, laptops & your Canon. Find out why it\u2019s so important and what to watch out for.","og_url":"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/","og_site_name":"Lemonade Blog \u2014 Storys \u00fcber das Leben, Tech &amp; Versicherung","article_publisher":"https:\/\/www.facebook.com\/Lemonade\/","og_image":[{"width":1200,"height":628,"url":"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2019\/07\/OG-1200x628px-2.jpg","type":"image\/jpeg"}],"author":"Team Lemonade","twitter_card":"summary_large_image","twitter_title":"Mastering German Contents Insurance Like A Pro \u2022 Lemonade","twitter_description":"German contents insurance offers protection for your valuables like your bicycles, laptops & your Canon. Find out why it\u2019s so important and what to watch out for.","twitter_image":"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2019\/07\/OG-1200x628px-2.jpg","twitter_creator":"@lemonade_inc","twitter_site":"@lemonade_inc","twitter_misc":{"Written by":"Team Lemonade","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/","url":"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/","name":"Mastering German Contents Insurance Like A Pro \u2022 Lemonade","isPartOf":{"@id":"https:\/\/www.lemonade.com\/de\/blog\/#website"},"author":{"@id":"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/3cfc8336d83e02464ba45881ceab5188"},"description":"German contents insurance offers protection for your valuables like your bicycles, laptops & your Canon. Find out why it\u2019s so important and what to watch out for.","breadcrumb":{"@id":"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.lemonade.com\/de\/blog\/"},{"@type":"ListItem","position":2,"name":"Mastering German Contents Insurance Like a Pro"}]},{"@type":"WebSite","@id":"https:\/\/www.lemonade.com\/de\/blog\/#website","url":"https:\/\/www.lemonade.com\/de\/blog\/","name":"Lemonade Blog \u2014 Storys \u00fcber das Leben, Tech &amp; Versicherung","description":"Die neuesten Geschichten vom Lemonade Team","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lemonade.com\/de\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/3cfc8336d83e02464ba45881ceab5188","name":"Team Lemonade","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2995d100e1996e173c9b32ad993be79adde359df21d6ede672ebf92449ac5369?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2995d100e1996e173c9b32ad993be79adde359df21d6ede672ebf92449ac5369?s=96&d=mm&r=g","caption":"Team Lemonade"},"sameAs":["https:\/\/twitter.com\/lemonade_inc"]}]}},"_links":{"self":[{"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/posts\/8570","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/comments?post=8570"}],"version-history":[{"count":37,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/posts\/8570\/revisions"}],"predecessor-version":[{"id":11621,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/posts\/8570\/revisions\/11621"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/media\/6838"}],"wp:attachment":[{"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/media?parent=8570"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/categories?post=8570"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/tags?post=8570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}