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, theft, or vandalism.
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 10 000 € per event,
for damages caused by fire, smoke, explosion, power surge, theft, vandalism, windstorm, hail, snow pressure, collisions by vehicles or aircraft to your home, and water damage caused by leaks, ruptures, overflows, or blockages of pipes or appliances, or infiltration through your roof or bathroom seals and tiles.
We also cover your stuff against natural or technological catastrophes (e.g. flooding, earthquakes, industrial disasters) when declared by the government and published in the Official Journal, and acts of terrorism.
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), or which form part of a collection of rare or unique things, are considered a single item.
We will cover reasonable and necessary costs arising from above 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 provide temporary security). If the total damages exceed the coverage amount you selected, we’ll provide an extra 10% to cover these additional costs.
We provide emergency 24/7 assistance services through our partner, Allianz Partners, for the home you’re insuring, and cover the cost up to 300 € per event. Depending on the type of emergency, we can arrange a locksmith, plumber, electrician, glazier, gas specialist, organize a stay at a hotel (up to 150 €/night per person for 3 days), or cover the costs to move you and your stuff. So if you lose your keys and need someone to open your door, we can send a locksmith to let you in. For more details, see the terms and conditions attached to this policy.
If you are underinsured (meaning the coverage amount you selected is less than the total value of your stuff), we’ll waive our right to reduce the amount we pay. But we do not cover damage above the coverage amount you selected.