Contents & personal liability

Insured persons


Generally, all insured persons must be mentioned in the policy. However, the policyholder and the following persons sharing the apartment or regularly returning there during the week or on weekends are usually insured:

  • Spouse
  • Unmarried children
  • Minors
  • Other persons specifically mentioned in the policy

Unlike many other insurance types, the sum of contents insurance is not based on the number of persons but on the value of the home contents. Therefore, it is crucial that the value of the contents specified in the policy correspond to the actual value of the possessions.