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Comprehensive cover for all your household contents — from furniture to personal liability, all in one policy.
Home contents insurance is one of the most important types of insurance in Austria and part of the basic cover of every household. It protects all your movable property — from furniture and electronics to clothing and valuables — against damage caused by burglary, fire, escaping water and storm. Most policies also include personal liability insurance.
Imagine a flood or fire destroying all your belongings. Replacing them can quickly cost tens of thousands of euros. Home contents insurance provides:
Cover for burglary, robbery and vandalism — contents are replaced at new value.
Cover for fire, explosion, lightning strike and their consequences for your property.
Cover for burst pipes, water escaping from installations and the resulting damage.
Cover for damage to your contents caused by storm, hail and other natural events.
Covers personal injury and property damage that you or your family members cause in everyday life.
Optional: cover for glass surfaces such as windows, ceramic hobs and glass doors.
If the sum insured is lower than the actual value of your contents, the insurer will only pay a proportion even for small claims (§ 56 VersVG).
Example: your contents are worth €60,000 but insured for €45,000 — i.e. 75%. Water damage of €8,000 will then only be covered up to €6,000.
Many tariffs waive this deduction if the sum insured per m² of living space is adequate (Unterversicherungsverzicht). With every policy we check that your sum insured is still right — especially after a move or larger purchases.
The premium depends mainly on the living space, the sum insured and the chosen cover options. Our calculator gives you a first, non-binding idea within minutes — we will gladly take care of the personal check afterwards.
Switching pays off when your home contents insurance no longer suits your situation or comparable cover is available for considerably less. The following rules apply:
Before every cancellation we check that the new contract starts without a gap in cover and, if you wish, we handle the switch for you.
Legal basis: Austrian Insurance Contract Act (VersVG), as of October 2026.
Home contents insurance makes sense for every household in Austria. We particularly recommend it for:
These details determine the premium: living space and place of residence, type of building and dwelling (house or flat), desired sum insured, security measures and previous claims. Having them to hand means you get an offer that can really be compared more quickly.
Why accurate information matters: an offer is only as good as the information it is based on. Anyone who omits or misstates the living space, valuables or previous claims, you risk the insurer withdrawing from the contract or refusing to pay in the event of a claim (§§ 16 ff. VersVG). That is why we prefer to calculate on the basis of complete information — the offer may then not be the cheapest, but you can rely on it.
As standard usually only to a limited extent — against theft from locked rooms. For full cover on the road we recommend a separate bicycle insurance.
Natural hazards such as flooding, landslides or avalanches are usually only covered with an additional module (Elementarschadenbaustein). Storm and hail, on the other hand, are often included in the basic cover.
Up to a certain limit, yes; above that it is worth declaring valuables separately so that you receive the full value in the event of a claim.
The insurance can usually be transferred to your new address. Please let us know in good time before your move so that we can adjust the policy.
That depends on the tariff. In many cases people belonging to the household are automatically co-insured — we will gladly check this for your specific situation.
Content reviewed by: Agnieszka Valenta, insurance broker · As of October 2026
Tell us your living space and the sum insured from your current policy — we will check whether you are underinsured and compare offers.
Personal advice in Breitenwaida – for clients from the Hollabrunn district, the whole Weinviertel region, as well as Vienna and Burgenland. We advise in English, German, Polish, Serbian and Bosnian.
