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Contents insurance in Germany (Hausratversicherung) in Germany: every tariff, every wording

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Provider and tariff Gross negligence Bicycle theft Valuables total Phishing Theft from car Underinsurance waiver
Adam RieseXLTake out yesA 22.3, page 14 yesA 4.5.1, page 3 yesA 18.3.1, page 12 yes, up to EUR 2,500A 6.19.1, page 7 yes, up to EUR 1,000A 4.11.3, page 4 yesA 17.4.1, page 12
Adam RieseXXLTake out yesA 22.3, page 14 yesA 4.5.1, page 3 yesA 18.3.1, page 13 yes, up to EUR 2,500A 6.19.1, page 7 yes, up to EUR 2,500A 4.11.3, page 4 yesA 17.4.1, page 13
Allianz DirectDirectTake out yesTeil A.1 Ziffer 3, page 4 yesTeil A.4 Ziffer 1, page 12 yes, up to EUR 30,000Teil A.1 Ziffer 6, page 5 not addressed yes, up to EUR 2,000Teil A.1 Ziffer 6, page 5 yesTeil A.1 Ziffer 8, page 5
Allianz DirectDirect PlusTake out yesTeil A.1 Ziffer 3, page 4 yesTeil A.4 Ziffer 1, page 12 yes, up to EUR 50,000Teil A.2 Ziffer 1, page 8 yes, up to EUR 10,000Teil A.2 Ziffer 2, page 9 yes, up to EUR 2,000Teil A.1 Ziffer 6, page 5 yesTeil A.1 Ziffer 8, page 5
ALTE LEIPZIGERclassicTake out yesKlausel Grobe Fahrlässigkeit, page 28 yesKlausel Paket Fahrrad, page 40 yesA 18-3.1, page 13 yes, up to EUR 5,000Paket Cyber Ziffer 3.1, page 38 yesKlausel Einbruchdiebstahl aus verschlossenen Kraftfahrzeugen, page 27 yesKlausel Genereller Unterversicherungsverzicht, page 27
ALTE LEIPZIGERcomfortTake out yesKlausel Grobe Fahrlässigkeit, page 28 yesKlausel Paket Fahrrad, page 40 yesA 18-3.1, page 13 yes, up to EUR 5,000Paket Cyber Ziffer 3.1, page 38 yesKlausel Einbruchdiebstahl aus verschlossenen Kraftfahrzeugen, page 27 yesKlausel Genereller Unterversicherungsverzicht, page 27
ALTE LEIPZIGERcompactTake out yesKlausel Grobe Fahrlässigkeit, page 28 yesKlausel Paket Fahrrad, page 40 yesA 18-3.1, page 13 yes, up to EUR 5,000Paket Cyber Ziffer 3.1, page 38 noKlausel Einbruchdiebstahl aus verschlossenen Kraftfahrzeugen, page 27 yesKlausel Genereller Unterversicherungsverzicht, page 27
AmmerländerClassic-SchutzTake out yes, up to EUR 20,000BB 57, page 46 yes, up to EUR 10,000BB 11 Nr. 5, page 40 yesBB 55 Nr. 1, page 46 yes, up to EUR 2,500BB 28, page 42 yes, up to EUR 2,000BB 12 Nr. 1, page 40 yesVHB A § 9 Nr. 3, page 20
AmmerländerComfort-SchutzTake out yesBB 71, page 49 yes, up to EUR 10,000BB 11 Nr. 5, page 41 yesBB 69 Nr. 1, page 48 yes, up to EUR 2,500BB 30, page 43 yes, up to EUR 3,000BB 12 Nr. 1, page 41 yesVHB A § 9 Nr. 3, page 21
AmmerländerExcellent-SchutzTake out yesBB 89, page 56 yesBB 11 Nr. 5, page 44 yesBB 87 Nr. 1, page 55 yes, up to EUR 3,500BB 37, page 48 yesBB 12 Nr. 1, page 44 yesVHB A § 9 Nr. 3, page 24
ARAGSchutz BasisTake out yes, up to EUR 30,000Teil B 22 b), page 60 yesTeil D 4.3, page 66 yes, up to EUR 30,000Teil B 18.2 a), page 58 noTeil B 3.5.6.1, page 35 noTeil B 3.2.4 a), page 32 yesTeil B 17.5.1, page 57
ARAGSchutz KomfortTake out yesTeil B 22 b), page 60 yesTeil D 4.3, page 66 yes, up to EUR 50,000Teil B 18.2 a), page 58 yes, up to EUR 5,000Teil B 3.5.6.1, page 35 yes, up to EUR 5,000Teil B 3.2.4 a), page 32 yesTeil B 17.5.1, page 57
ARAGSchutz PremiumTake out yesTeil B 22 b), page 60 yesTeil D 4.3, page 66 yes, up to EUR 100,000Teil B 18.2 a), page 58 yes, up to EUR 10,000Teil B 3.5.6.1, page 35 yes, up to EUR 10,000Teil B 3.2.4 a), page 32 yesTeil B 17.5.1, page 57
BarmeniaGothaerBarmenia Basis-SchutzTake out noA 1 - 16.1 b), page 12 yes, up to the sum insuredA 7 - 1.3, page 18 yes, up to the sum insuredA 1 - 7.3.1, page 8 not addressed not addressed yesÜbersicht F, A 1 - 12.4.2, page 4
BGVExklusivTake out yes, up to the sum insured31.2, page 72 yes, up to the sum insured7.3, page 36 yes, up to the sum insured24.3.1, page 65 yes, up to EUR 10,00011.3.3, page 44 yes, up to the sum insured4.2.1, page 27 yes23.5.1, page 64
BGVKlassikTake out yes, up to EUR 5,00031.2, page 72 yes, up to the sum insured7.3, page 36 yes, up to the sum insured24.3.1, page 65 yes, up to EUR 10,00011.3.3, page 44 no4.2.1, page 27 yes23.5.1, page 64
DA DirektPrivatSchutz BasisTake out no10.3.2, page 29 yes, up to the sum insured2.6.7.1, page 22 yes, up to the sum insured3.7, page 25 noKlauseln, Vorbemerkung, page 49 noKlauseln, Vorbemerkung, page 49 yes12.6.1, page 30
DA DirektPrivatSchutz KomfortTake out yes, up to the sum insuredHR030-02, page 47 yes, up to the sum insured2.6.7.1, page 22 yes, up to the sum insured3.7, page 25 noKlauseln, Vorbemerkung, page 49 yes, up to EUR 1,000HR014-03, page 46 yes12.6.1, page 30
DA DirektPrivatSchutz TopTake out yes, up to the sum insuredHR030-02, page 53 yes, up to the sum insured2.6.7.1, page 22 yes, up to the sum insured3.7, page 25 yes, up to EUR 1,000HR056-02, page 55 yes, up to EUR 5,000HR014-03, page 51 yes12.6.1, page 30
degeniaTarif T26 classicTake out yes, up to EUR 10,000A 23-4, page 63 yesA 4-2.16.1, page 40 yes, up to the sum insuredA 20-3.1, page 61 noA 4-10.1, page 42 noA 4-2.1, page 36 yesLeistungsübersicht 3, page 22
degeniaTarif T26 optimumTake out yes, up to the sum insuredA 23-4, page 63 yes, up to EUR 10,000A 4-2.16.1, page 40 yes, up to the sum insuredA 20-3.1, page 61 yes, up to EUR 5,000A 4-10.1, page 42 yes, up to EUR 3,000A 4-2.1, page 36 yesLeistungsübersicht 3, page 22
degeniaTarif T26 premiumTake out yes, up to the sum insuredA 23-4, page 63 yes, up to EUR 10,000A 4-2.16.1, page 40 yes, up to the sum insuredA 20-3.1, page 61 yes, up to EUR 3,000A 4-10.1, page 42 yes, up to EUR 2,000A 4-2.1, page 36 yesLeistungsübersicht 3, page 22
DEVKHausratpauschalversicherungTake out yes, up to EUR 10,000A1 6.1, page 22 not addressed not addressed not addressed not addressed yesA1 7.2, page 22
DEVKBasisTake out yes, up to EUR 10,000H1 6.1.2, page 42 yes, up to the sum insuredH1 14.1.7, page 49 yes, up to the sum insuredH1 3.1.9.2, page 32 noH1 1.6.5.1, page 28 yes, up to EUR 250H1 1.2.2.1, page 20 yesH1 7.7.2, page 44
DEVKKomfortTake out yes, up to the sum insuredH1 6.1.3, page 43 yes, up to the sum insuredH1 14.1.7, page 49 yes, up to the sum insuredH1 3.1.9.2, page 32 yes, up to EUR 500H1 1.6.5.1, page 27 yes, up to EUR 500H1 1.2.2.1, page 20 yesH1 7.7.2, page 44
DEVKPremiumTake out yes, up to the sum insuredH1 6.1.3, page 43 yes, up to the sum insuredH1 14.1.7, page 49 yes, up to the sum insuredH1 3.1.9.2, page 32 yes, up to EUR 2,000H1 1.6.5.1, page 27 yes, up to EUR 2,500H1 1.2.2.1, page 20 yesH1 7.7.2, page 44
DFVHausratSchutzTake out yes, up to the sum insuredB 15, page 12 yes, up to the sum insuredB 8, page 8 yes, up to the sum insuredB 7, page 8 yes, up to the sum insuredB 6, page 7 yes, up to the sum insuredB 5, page 7 yesB 13.3, page 11
die Bayerische2026 KomfortTake out yes, up to the sum insuredD 5, page 124 yes, up to the sum insuredA 21.1 b) 1., page 105 yes, up to the sum insuredA 17 c) 1., page 96 yes, up to EUR 2,500A 4.30 a), page 41 yes, up to EUR 3,000A 4.2 a), page 19 yesA 14 d) 2., page 91
die Bayerische2026 PrestigeTake out yes, up to the sum insuredD 5, page 124 yes, up to the sum insuredA 21.1 b) 1., page 105 yes, up to the sum insuredA 17 c) 1., page 96 yes, up to EUR 3,500A 4.30 a), page 41 yes, up to the sum insuredA 4.2 a), page 19 yesA 14 d) 2., page 91
die Bayerische2026 Prestige PlusTake out yes, up to the sum insuredD 5, page 124 yes, up to the sum insuredA 21.1 b) 1., page 105 yes, up to the sum insuredA 17 c) 1., page 96 yes, up to EUR 5,000A 4.30 a), page 41 yes, up to the sum insuredA 4.2 a), page 19 yesA 14 d) 2., page 91
die Bayerische2026 SmartTake out yes, up to EUR 10,000D 5, page 11 yes, up to the sum insuredA 21.1 b) 1., page 105 yes, up to the sum insuredA 17 c) 1., page 96 noA 4.30, page 7 noA 4.2 a), page 6 yesA 14 d) 2., page 91
Die HaftpflichtkasseHaftpflichtkasse Einfach BesserTake out yes, up to the sum insuredB1 Nr. 16, page 29 yes, up to EUR 10,000C1 Nr. 1.1, page 33 yes, up to the sum insuredB1 Nr. 15.1, page 29 noB2, page 30 yes, up to the sum insuredB1 Nr. 2.6, page 27 yesC6 Nr. 6, page 35
Die HaftpflichtkasseHaftpflichtkasse Einfach KomplettTake out yes, up to the sum insuredB1 Nr. 16, page 29 yes, up to EUR 10,000C1 Nr. 1.1, page 33 yes, up to the sum insuredB2 Nr. 9.1, page 32 yes, up to EUR 5,000B2 Nr. 3.3, page 31 yes, up to the sum insuredB1 Nr. 2.6, page 27 yesC6 Nr. 6, page 35
DomcuraHausratkonzept KomfortTake out yes, up to the sum insuredC zu B § 22 Nr. 1 b), page 42 yes, up to the sum insuredF § 2, page 54 yes, up to EUR 20,000C zu B § 14 Nr. 2 a), page 42 not addressed yes, up to EUR 1,000C zu B § 3 Nr. 7 c), page 39 yesB § 11 Nr. 2, page 33
DomcuraHausratkonzept StandardTake out yes, up to EUR 10,000B § 22 Nr. 1 b), page 38 yes, up to the sum insuredF § 2, page 54 yes, up to EUR 20,000B § 14 Nr. 2 a), page 35 not addressed not addressed yesB § 11 Nr. 2, page 33
DomcuraHausratkonzept TopTake out yes, up to the sum insuredD zu B § 22 Nr. 1 b), page 50 yes, up to the sum insuredF § 2, page 54 yes, up to EUR 50,000D zu B § 14 Nr. 2 a), page 50 yes, up to EUR 3,000H § 1 Nr. 1 a), page 56 yes, up to EUR 5,000D zu B § 3 Nr. 7 c), page 44 yesB § 11 Nr. 2, page 33
FahrlehrerversicherungBasisTake out noA 17.6.2, page 27 yes, up to the sum insuredA 4.4.17, page 13 yes, up to the sum insuredA 18.3.1, page 28 noA 4.4.12, page 11 noA 4.4.4.1, page 10 yesA 14.4.1, page 25
FahrlehrerversicherungKomfortTake out yes, up to the sum insuredA 17.6.2, page 28 yes, up to the sum insuredA 4.4.17, page 13 yes, up to the sum insuredA 18.3.1, page 28 noA 4.4.12, page 11 yes, up to EUR 1,500A 4.4.4.1, page 10 yesA 14.4.1, page 25
FahrlehrerversicherungPremiumTake out yes, up to the sum insuredA 17.6.2, page 28 yes, up to the sum insuredA 4.4.17, page 13 yes, up to the sum insuredA 18.3.1, page 28 yes, up to EUR 5,000A 4.4.12, page 11 yes, up to EUR 3,000A 4.4.4.1, page 10 yesA 14.4.1, page 25
GetsafeComfortTake out yes, up to the sum insured2.3.2 BB, page 8 yes, up to the sum insuredZB-Fahrrad 1, page 24 yes, up to the sum insured8.2.1 BB, page 13 yes, up to EUR 2,5004.11 BB, page 11 yes, up to EUR 2,5004.6 a) BB, page 10 yes18.6 BB, page 21
GEVHome MaxTake out yes, up to the sum insuredB 4.12.1.2, page 30 yes, up to the sum insuredC 4.1, page 35 yes, up to the sum insuredA 19.3.1, page 18 yes, up to EUR 3,000A 7.11.1, page 9 yes, up to the sum insuredA 4.2.1, page 4 yesA 18.5.1, page 17
GEVHome SmartTake out noB 4.12.1.2, page 21 yes, up to the sum insuredC 4.1, page 26 yes, up to the sum insuredA 19.3.1, page 11 not addressed yes, up to EUR 300A 4.2.1, page 4 yesA 18.5.1, page 10
GEVHome TopTake out yes, up to the sum insuredB 4.12.1.2, page 25 yes, up to the sum insuredC 4.1, page 30 yes, up to the sum insuredA 19.3.1, page 14 not addressed yes, up to EUR 5,000A 4.2.1, page 5 yesA 18.5.1, page 14
GothaerBasisTake out yes, up to EUR 10,000A 17.6.3, page 39 yes, up to the sum insuredKlausel 7110 Nr. 1 a), page 56 yes, up to the sum insuredA 19.3.1, page 40 not addressed noA 4.4.3, page 18 yesA 15.4.1, page 37
GothaerPlusTake out yes, up to the sum insuredA 17.6.1, page 39 yes, up to the sum insuredKlausel 7110 Nr. 1 a), page 56 yes, up to the sum insuredA 19.3.1, page 40 yes, up to EUR 15,000Klausel 7142 Nr. 1.1.1.1, page 63 yes, up to EUR 2,000A 4.4.3, page 18 yesA 15.4.1, page 37
GothaerPremiumTake out yes, up to the sum insuredA 17.6.1, page 39 yes, up to the sum insuredKlausel 7110 Nr. 1 a), page 56 yes, up to the sum insuredA 19.3.1, page 40 yes, up to EUR 15,000Klausel 7142 Nr. 1.1.1.1, page 63 yes, up to EUR 3,000A 4.4.3, page 18 yesA 15.4.1, page 37
HanseMerkur / Hiscox / ChubbHaus & Kunst by HiscoxTake out yes, up to EUR 50,000Abschnitt B III., page 9 yes, up to EUR 15,000Abschnitt B VI. 8., page 13 yes, up to the sum insuredAbschnitt B I. 1., page 8 yes, up to EUR 20,000Abschnitt D I. 2., page 20 yes, up to the sum insuredAbschnitt B IV. 1., page 9 yesAbschnitt B VI. 7.5., page 13
HUK24BasisTake out yes, up to the sum insuredA 1.3.3, page 9 not addressed yes, up to the sum insuredA 1.1.1 b. bb., page 8 yes, up to EUR 1,000A 3.2.22 a., page 15 noA 3.3, page 15 yesB 1.1.4 a., page 20
HUK24ClassicTake out yes, up to the sum insuredA 1.3.3, page 9 not addressed yes, up to the sum insuredA 1.1.1 b. bb., page 8 yes, up to EUR 1,000A 3.2.22 a., page 15 yes, up to the sum insuredA 3.3.1 a., page 15 yesB 1.1.4 a., page 20
InterlloydInfinitusTake out yes, up to the sum insuredC1-1, page 118 yes, up to the sum insuredC3-3.1.1, page 121 yes, up to the sum insuredC4-1, page 125 yes, up to EUR 5,000C3-4.1.2, page 124 yes, up to EUR 10,000C3-2.3 a), page 120 yesC8-6.1.1, page 130
InterRiskXLTake out yes, up to EUR 5,000§ 18 Nr. 2.2, page 15 yes, up to EUR 1,000§ 4 Nr. 6.5, page 5 yes, up to the sum insured§ 7 Nr. 2.2, page 8 not addressed yes, up to EUR 1,500§ 4 Nr. 4.1 a), page 4 yes§ 19 Nr. 6.2 a), page 15
InterRiskXXLTake out yes, up to the sum insured§ 18, page 17 yes, up to EUR 10,000§ 4 Nr. 6.5, page 5 yes, up to the sum insured§ 7 Nr. 2.2, page 9 yes, up to EUR 3,000§ 4 Nr. 9.3, page 6 yes, up to EUR 5,000§ 4 Nr. 4.1 a), page 5 yes§ 19 Nr. 6.2 a), page 17
ItzehoerKOMFORTTake out yes, up to the sum insuredKlausel 7182, page 19 yes, up to the sum insuredKlausel 7110 Nr. 5, page 16 yes, up to the sum insured§ 13 Nr. 2 a) VHB 2019, page 10 noKlausel 7166, page 19 yes, up to EUR 1,000Klausel 7154, page 17 yes§ 9 Nr. 4 b) VHB 2019, page 8
ItzehoerTOPTake out yes, up to the sum insuredKlausel 7182, page 19 yes, up to the sum insuredKlausel 7110 Nr. 5, page 16 yes, up to the sum insured§ 13 Nr. 2 a) VHB 2019, page 10 yes, up to EUR 2,000Klausel 7166 Nr. 1 c), page 19 yes, up to EUR 2,000Klausel 7154, page 17 yes§ 9 Nr. 4 b) VHB 2019, page 8
JanitosBalanceTake out yes, up to the sum insuredBBR Ziff. 11.4, page 21 yes, up to the sum insuredBBR Ziff. 6, page 19 yes, up to the sum insuredBBR Ziff. 7.1, page 19 yes, up to EUR 2,000BBR Ziff. 2.17, page 18 yes, up to the sum insuredBBR Ziff. 2.9, page 18 yesAbschnitt A 9.3, page 6
JanitosBasicTake out yes, up to the sum insuredBBR Ziff. 10.3, page 19 yes, up to the sum insuredBBR Ziff. 5, page 18 yes, up to the sum insuredAbschnitt A 13.2.1, page 8 not addressed yes, up to the sum insuredBBR Ziff. 1.5, page 17 yesAbschnitt A 9.3, page 6
JanitosBest SelectionTake out yes, up to the sum insuredBBR Ziff. 11.5, page 23 yes, up to the sum insuredBBR Ziff. 6, page 20 yes, up to the sum insuredBBR Ziff. 7.1, page 20 yes, up to EUR 5,000BBR Ziff. 2.20, page 18 yes, up to the sum insuredBBR Ziff. 2.9, page 17 yesAbschnitt A 9.3, page 6
JanitosonlineFitTake out yes, up to the sum insuredBBR Ziff. 10.3, page 19 yes, up to the sum insuredBBR Ziff. 5, page 18 yes, up to the sum insuredAbschnitt A 13.2.1, page 8 not addressed yes, up to the sum insuredBBR Ziff. 1.5, page 17 yesAbschnitt A 9.3, page 6
JanitosonlineMaxTake out yes, up to the sum insuredBBR Ziff. 11.5, page 22 yes, up to the sum insuredBBR Ziff. 6, page 19 yes, up to the sum insuredBBR Ziff. 7.1, page 19 yes, up to EUR 2,000BBR Ziff. 2.17, page 18 yes, up to the sum insuredBBR Ziff. 2.9, page 18 yesAbschnitt A 9.3, page 6
JanitosonlinePlusTake out yes, up to the sum insuredBBR Ziff. 11.4, page 21 yes, up to the sum insuredBBR Ziff. 6, page 19 yes, up to the sum insuredBBR Ziff. 7.1, page 19 yes, up to EUR 2,000BBR Ziff. 2.15, page 17 yes, up to the sum insuredBBR Ziff. 2.9, page 18 yesAbschnitt A 9.3, page 6
LVMMeineKlassikTake out yes, up to the sum insuredTeil B § 23 Ziffer 1 b), page 38 yes, up to the sum insuredKlausel 7110 Ziffer 6, page 39 yes, up to the sum insuredTeil A § 18 Ziffer 3 a), page 26 yes, up to EUR 5,000Teil A § 13 Ziffer 35, page 23 yes, up to EUR 1,000Teil A § 4 Ziffer 4 k), page 12 yesKlausel 7712 Ziffer 2, page 40
LVMMeinPremiumTake out yes, up to the sum insuredTeil B § 23 Ziffer 1 b), page 40 yes, up to the sum insuredKlausel 7110 Ziffer 6, page 41 yes, up to the sum insuredTeil A § 18 Ziffer 3 a), page 28 yes, up to EUR 5,000Teil A § 13 Ziffer 42, page 25 yes, up to EUR 1,000Teil A § 4 Ziffer 4 k), page 12 yesKlausel 7712 Ziffer 2, page 42
MVKDigital Klassik-DigitalTake out no§ 34 Nr. 1 b) VHB 2008, page 48 yes, up to the sum insuredKlassik-Digital 2.3, page 56 yes, up to the sum insuredKlassik-Digital 5.2, page 58 not addressed yes, up to EUR 500Klassik-Digital 2.1, page 54 not addressed
NeodigitalNEO MTake out yes, up to the sum insuredB4.12.1.2-05NEO, page 28 yes, up to the sum insuredA 1.2-01NEO, page 18 yes, up to the sum insuredA 18.3.1, page 15 not addressed yes, up to EUR 1,000A 1.2-02NEO, page 18 yesA 14.3.2, page 13
NeodigitalNEO SWITCHTake out yes, up to the sum insuredB4.12.1.2-03NEO, page 30 yes, up to the sum insuredA 1.2-01NEO, page 18 yes, up to the sum insuredA 18.3.1, page 15 yes, up to EUR 2,500A 9.1.7-02NEO, page 20 yes, up to EUR 2,500A 1.2-03NEO.04, page 18 yesA 14.3.2, page 13
NVHausratmax. 7.0Take out yes, up to EUR 50,000A2 Ziffer 67, page 51 yes, up to EUR 5,000A2 Ziffer 9.4, page 35 yes, up to the sum insuredA1 Ziffer 17.3.1, page 28 yes, up to EUR 1,000A2 Ziffer 33.1, page 41 yes, up to EUR 3,000A1 Ziffer 4.2.1.1, page 8 yesA2 Ziffer 73.1.1, page 52
NVHausratSpar 7.0Take out yes, up to EUR 5,000B4 Ziffer 12.1.3, page 58 yes, up to the sum insuredA2 Ziffer 5.4, page 33 yes, up to the sum insuredA1 Ziffer 17.3.1, page 27 not addressed yes, up to EUR 150A1 Ziffer 4.2.1.1, page 7 yesA2 Ziffer 29.1.1, page 39
OstanglerEXCLUSIV Fair PlayTake out yes, up to the sum insuredA 4.12.1.2, page 19 yes, up to EUR 5,000B 14.8.5, page 45 yes, up to the sum insuredB 19.3.1, page 51 not addressed yes, up to EUR 1,000B 14.5, page 43 yesB 15.4.2, page 46
OstanglerEXCLUSIV Fair Play PlusTake out yes, up to the sum insuredA 4.12.1.2, page 19 yes, up to EUR 5,000B 14.15.5, page 47 yes, up to the sum insuredB 19.3.1, page 56 yes, up to EUR 1,000B 14.17, page 47 yes, up to EUR 2,500B 14.5, page 45 yesB 15.4.2, page 50
R+VPrivatPolice classicTake out yes, up to the sum insuredZ-WLI-04, page 183 yes, up to the sum insuredZ-RAD 1.1, page 188 yes, up to the sum insuredA18.3.1, page 174 yes, up to the sum insuredZ-SONL 4.3.1, page 197 not addressed yesA14.4.2, page 170
R+VPrivatPolice comfortTake out yes, up to the sum insuredZ-WLI-04, page 213 yes, up to the sum insuredZ-RAD 1.1, page 219 yes, up to the sum insuredA18.3.1, page 202 yes, up to the sum insuredZ-SONL 4.3.1, page 228 yes, up to the sum insuredZ-DIEB-04, page 208 yesA14.4.2, page 198
R+VPrivatPolice premiumTake out yes, up to the sum insuredZ-WLI-04, page 252 yes, up to the sum insuredZ-RAD 1.1, page 261 yes, up to the sum insuredA18.3.1, page 237 yes, up to the sum insuredZ-SONL 4.3.1, page 270 yes, up to the sum insuredZ-DIEB-04, page 244 yesA14.4.2, page 233
SV SparkassenVersicherungSV PrivatSchutz Privatschutz BasisTake out noLeistungsübersicht Hausrat, page 4 yes3.4.5, page 19 yes, up to the sum insured13.2.1, page 23 noLeistungsübersicht Hausrat, page 4 noLeistungsübersicht Hausrat, page 4 yes12.5.1, page 23
SV SparkassenVersicherungSV PrivatSchutz Privatschutz KomfortTake out yes, up to EUR 10,00017.4, page 35 yes, up to EUR 5003.4.5, page 28 yes, up to the sum insured13.2.1, page 33 noLeistungsübersicht Hausrat, page 4 yes, up to EUR 2,5003.6.1, page 28 yes12.5.1, page 33
SV SparkassenVersicherungSV PrivatSchutz Privatschutz TopTake out yes, up to the sum insured17.4, page 47 yes, up to EUR 1,0003.4.5, page 38 yes, up to the sum insured13.2.1, page 45 yes, up to EUR 1,0003.17.1, page 39 yes, up to EUR 5,0003.6.1, page 38 yes12.5.1, page 45
uniVersaflexxhome Flexxhome AllroundTake out yes, up to the sum insuredA 24.1, page 36 yes, up to EUR 250A 4.6.19, page 14 yes, up to EUR 30,000A 18.3.1, page 33 noA 4.9.5, page 15 yes, up to EUR 3,000A 4.6.8.1, page 11 yesA 14.3.1, page 30
uniVersaflexxhome Flexxhome BestTake out yes, up to the sum insuredA 24.1, page 36 yes, up to EUR 500A 4.6.19, page 14 yes, up to EUR 50,000A 18.3.1, page 33 yes, up to EUR 5,000A 4.9, page 14 yes, up to EUR 5,000A 4.6.8.1, page 11 yesA 14.3.1, page 30
uniVersaflexxhome Flexxhome EasyTake out yes, up to EUR 5,000A 24.1, page 36 yesA 4.6.19, page 14 yes, up to EUR 20,000A 18.3.1, page 33 noA 4.9.5, page 15 yes, up to EUR 2,000A 4.6.8.1, page 11 yesA 14.3.1, page 30
VGHBasisTake out noA-21.1.2, page 22 yesB-3.1, page 39 yes, up to the sum insuredA-8.3.1, page 15 not addressed noVorbemerkung, page 2 yesA-15.1, page 19
VGHKomfortTake out yes, up to EUR 10,000B-1.27, page 29 yesB-3.1, page 39 yes, up to the sum insuredB-1.25, page 28 not addressed noVorbemerkung, page 2 yesA-15.1, page 19
VGHPremiumTake out yes, up to the sum insuredB-2.54, page 37 yesB-3.1, page 39 yes, up to the sum insuredB-2.49, page 36 not addressed yes, up to EUR 5,000B-2.13, page 31 yesA-15.1, page 19
VHVExklusivTake out yes, up to the sum insuredE 34, page 64 yes, up to EUR 15,000ZB Fahrraddiebstahl F3, page 80 yes, up to the sum insuredE 20, page 62 yes, up to EUR 300E 3 Nr. 4, page 59 yes, up to EUR 3,000E 6, page 60 yesKlausel 7712, page 82
VHVKlassik GarantTake out yes, up to the sum insuredK 44, page 54 yes, up to EUR 15,000ZB Fahrraddiebstahl F3, page 80 yes, up to the sum insuredK 41, page 54 yes, up to EUR 10,000ZB Online- und Digitalschutz C1, page 69 yes, up to EUR 2,000A 4.2.1.5, page 17 yesKlausel 7712, page 82
VPVExklusivTake out yes, up to the sum insuredB5 5.1.2, page 49 yes, up to the sum insuredA1 4.2.1.5, page 11 yes, up to the sum insuredA1 19.3.1, page 25 yes, up to EUR 5,000A1 13.2.7, page 19 yes, up to the sum insuredA1 4.2.3.1, page 12 yesA1 18.5.2, page 24
VPVKompaktTake out yes, up to EUR 5,000B5 5.1.2, page 49 yes, up to the sum insuredA1 4.2.1.5, page 11 yes, up to the sum insuredA1 19.3.1, page 25 yes, up to EUR 1,000A1 13.2.7, page 19 yes, up to the sum insuredA1 4.2.3.1, page 12 yesA1 18.5.2, page 24
WaldenburgerPremiumTake out yes, up to the sum insuredB 5.5.1.3, page 58 yes, up to the sum insuredA 4.4.2, page 18 yes, up to the sum insuredA 21.3.1, page 40 yes, up to EUR 5,000A 16.24.2.6, page 35 yes, up to the sum insuredA 4.5.1, page 18 yesA 20.5.1, page 39
WaldenburgerPremium PlusTake out yes, up to the sum insuredB 5.5.1.3, page 58 yes, up to the sum insuredA 4.4.2, page 18 yes, up to the sum insuredA 21.3.1, page 40 yes, up to EUR 5,000A 16.24.2.6, page 35 yes, up to the sum insuredA 4.5.1, page 18 yesA 20.5.1, page 39
WGVBasisTake out yes, up to the sum insuredB.4.13.1.2, page 29 yes, up to the sum insuredA.4.4, page 11 yes, up to the sum insuredA.14.2.1.1, page 20 noA.4.6, page 12 noA.4.5, page 11 yesA.13.6.1, page 20
WGVOptimalTake out yes, up to the sum insuredB.4.13.1.2, page 29 yes, up to the sum insuredA.4.4, page 11 yes, up to the sum insuredA.14.2.1.2, page 20 noA.4.6, page 12 yes, up to the sum insuredA.4.5.1.1, page 11 yesA.13.6.1, page 20
WGVPlusTake out yes, up to the sum insuredB.4.13.1.2, page 29 yes, up to the sum insuredA.4.4, page 11 yes, up to the sum insuredA.14.2.1.3, page 20 yes, up to EUR 10,000A.4.6.4.1, page 12 yes, up to the sum insuredA.4.5.1.1, page 11 yesA.13.6.1, page 20
WWKHausratversicherung (VHB 2021)Take out yes, up to EUR 10,000B4-12.1.2, page 50 yes, up to the sum insuredA6-2.1, page 41 yes, up to the sum insuredA1-18.3.1, page 25 noProduktübersicht, page 53 yes, up to EUR 1,000A1-4.4.5, page 17 yesA1-14.4.2, page 23
WWKPlusTake out yes, up to the sum insuredA2-13.4, page 33 yes, up to the sum insuredA6-2.1, page 41 yes, up to the sum insuredA1-18.3.1, page 25 yes, up to EUR 5,000A2-5.1.1.3, page 28 yes, up to EUR 10,000A2-4.7, page 28 yesA1-14.4.2, page 23
WürttembergischeKomfortSchutzTake out yes, up to the sum insuredBB, Klausel Grobe Fahrlässigkeit Nr. 1, page 1 yes, up to EUR 2,500BB, Klausel Diebstahl von nicht versicherungspflichtigen Fahrrädern Nr. 1, page 3 yes, up to the sum insuredBB, Klausel Erhöhte Entschädigungsgrenze für Wertsachen, page 3 yes, up to EUR 1,000BB, Klausel Phishing, Pharming, Skimming Nr. 1 a), page 5 yes, up to EUR 2,500BB, Klausel Diebstahl aus Kraftfahrzeugen Nr. 1, page 4 yesBB, Klausel Kein Abzug wegen Unterversicherung bei Kleinschäden, page 1
WürttembergischeKompaktSchutzTake out no§ 34 Nr. 1 b) VHB 2025, page 16 not addressed yes, up to the sum insured§ 13 Nr. 2 a) VHB 2025, page 9 not addressed not addressed yesBB, Klausel Kein Abzug wegen Unterversicherung bei Kleinschäden, page 1
WürttembergischePremiumPlusTake out yes, up to the sum insuredBB, Klausel Grobe Fahrlässigkeit Nr. 1, page 1 yes, up to the sum insuredBB, Klausel Diebstahl von nicht versicherungspflichtigen Fahrrädern Nr. 1, page 4 yes, up to the sum insuredBB, Klausel Erhöhte Entschädigungsgrenze für Wertsachen, page 4 yes, up to EUR 2,500BB, Klausel Phishing, Pharming, Skimming Nr. 1 a), page 6 yes, up to the sum insuredBB, Klausel Diebstahl aus Kraftfahrzeugen Nr. 1, page 5 yesBB, Klausel Kein Abzug wegen Unterversicherung bei Kleinschäden, page 2
WürttembergischePremiumSchutzTake out yes, up to the sum insuredBB, Klausel Grobe Fahrlässigkeit Nr. 1, page 1 yes, up to the sum insuredBB, Klausel Diebstahl von nicht versicherungspflichtigen Fahrrädern Nr. 1, page 4 yes, up to the sum insuredBB, Klausel Erhöhte Entschädigungsgrenze für Wertsachen, page 4 yes, up to EUR 2,500BB, Klausel Phishing, Pharming, Skimming Nr. 1 a), page 6 yes, up to the sum insuredBB, Klausel Diebstahl aus Kraftfahrzeugen Nr. 1, page 5 yesBB, Klausel Kein Abzug wegen Unterversicherung bei Kleinschäden, page 2
ZurichPrivatSchutzTake out noZiff. 10.3.2, page 12 yes, up to the sum insuredZiff. 2.6.7.1, page 5 yes, up to the sum insuredZiff. 3.7, page 8 not addressed not addressed yesZiff. 12.6.1, page 13

Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 83 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • Allianz
  • AXA
  • Baloise
  • BavariaDirekt
  • Concordia
  • Continentale
  • CosmosDirekt
  • ERGO
  • HanseMerkur
  • HUK-COBURG
  • Mecklenburgische
  • NÜRNBERGER
  • rhion.digital
  • S-Direkt
  • SIGNAL IDUNA
  • SV Sachsen
  • VRK

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

JSON CSV (Excel)

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Statutory disclosure (German) · Updated