Contents & personal liability

Household contents

All movable items for private use of a household that are not part of the building or built-in fixtures are considered household effects or contents. The household contents include fitments (furniture, curtains, etc.), household machines, crockery, bedding, clothes and shoes, comestible goods, sports equipment, personal objects brought by guests (i.e. guests' belongings), etc.
The insurance sum suggested in the contents insurance comparison is based on the number of rooms, the standard of furnishings and the number of persons living in the household. In case of special furnishings, it is recommended to adjust the sum insured accordingly. The total value of the objects concerned can be assessed with the home contents calculator on