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.
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, collision by vehicles or aircraft, and water damage caused by an unintended leakage of tap water, like burst pipes or appliance leaks.
Your stuff is not covered against theft unless you have taken reasonable care to protect it. So remember to lock up your bicycle, and to not leave your phone unattended, otherwise they won’t 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, to protect your stuff (e.g. 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.