The right insurance for your apartment. Three tips for tenants.

Personal liability insurance covers financial losses that you accidentally cause to other people – for example if you ride into somebody on your bike or spill coffee on your neighbour's laptop.

It is particularly important for tenants, as it generally also covers what is known as tenant damage – in other words, sudden damage that you, your children, your dog or other pets cause in your rental apartment.

Household contents insurance covers damage to your possessions – whether it's your bike, your watch or your sofa. Our household contents insurance will pay the costs of losses that are caused by the following, for example:

• Fire
• Mains water leaks
• Storms and flooding
• Theft and burglary
• Glass breakages in furniture items such as mirrors or display cabinets
• Damage you cause yourself while moving house

Would you also like to insure your possessions against additional losses? Then check out our comprehensive insurance for electrical appliances and sports equipment. These two add-ons cover almost all types of damage or loss to your electronic devices such as smartphones, laptops and cameras or sports equipment like bikes, e-bikes and skis. 

If, by contrast, you wish to protect individual objects that are particularly dear to you, then single-item insurance is ideal for you. With this, you can insure every individual object in your household – from your hearing aid to your glasses to your coffee machine – against almost all risks.