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Some policyholders are unsure about the exact circumstances under which their home contents insurance comes into effect and which damages are not covered. Since risks to one's own property are constantly present and a large part of one's assets is often tied up in one's own household, home contents insurance, along with personal liability insurance, is one of the most important insurances in the private sector

A fire damage caused by an Advent wreath, the theft of high-value furnishings, or furniture destroyed by water damage can quickly destroy substantial value. In the event of a claim, home contents insurance covers the damage incurred up to the current replacement value of the items.

As the name suggests, home contents insurance covers everything that belongs to the household. According to insurance companies, household items are categorized as follows:

• Furnishings such as furniture, pictures, curtains, carpets
• Usable items such as clothing, household appliances, books, and computers
• Consumables such as food and beverages, cash, and valuables such as artwork or jewelry
• Built-in items that are firmly attached to the building, such as sanitary fixtures, fitted kitchens, and cabinets
• Other items such as vehicle accessories, sports equipment, pets, etc.

In simple terms: Everything that can be taken with you when moving is covered by home contents insurance. The insured risks are similar among insurers, but depending on the insurance company, there are individual additional services that the customer can add as needed. The basic coverage includes damages from the following causes:

• Lightning, storms, and hail
• Water damage from pipes
• Fire, explosion, and implosion
• Burglary and vandalism
• Robbery or burglary while on vacation

Additionally, for an additional premium, most insurers offer the option to protect against further potential damages. These services include:

• Damages due to gross negligence
• Surge damages from lightning
• Glass breakage damages to building glazing and furnishings
• Elemental damages from flooding, earthquakes, landslides, snow pressure, avalanches, and backwater
• Singeing and scorching damages (e.g., from a smoldering cigarette)
• Simple theft of garden furniture, gardening tools, or laundry on the line
• Burglary into motor vehicles
• Bicycle theft
• Damages due to gross negligence
• Water leakage from aquariums and waterbeds
• Breakage of glass-ceramic cooking surfaces

In general, the services integrated into the basic coverage can vary from insurer to insurer. For example, some companies already include certain additional services in their basic coverage. It is worthwhile to compare the different offers and tariffs of insurers. Since personal circumstances can change quickly, it is important to adjust the insurance accordingly. Furthermore, the home contents insurance should be adapted to the value of the household to avoid financial losses in the event of a claim. In order for the insurance to come into effect in the event of a claim, the contractual obligations agreed upon by the policyholder must be observed.

The insurance coverage does not apply to the following damages:

• Damages intentionally caused
• Damages from nuclear energy, war events, civil unrest, or earthquakes
• Simple theft damages from entering homes or trickery

It is advisable to carefully review the coverage for claims acceptance before concluding a contract. Depending on personal possessions and requirements, the policyholder should ask themselves regarding home contents insurance: what is important to me? It is also important to ensure that the additional benefits are sufficiently covered, as many claims entail follow-up costs. These may include, for example, removal costs, expenses for replacing door locks, or accommodation costs.

Usually, the transported household contents are also insured during travels through home contents insurance. For damages occurring outside the agreed insurance location, the so-called external insurance applies. This is part of the home contents insurance and covers items that are temporarily outside the home - often worldwide. However, not only are laptops, cameras, clothing, etc., insured while on vacation. The external insurance also applies if, for example, a robbery with the threat of violence occurs in the home country in everyday life. However, simple theft is not covered, as it is classified as a "general life risk." It should be noted that external insurance is subject to certain conditions. For example, the items are usually not allowed to be away from the insurance location for more than three months. Furthermore, the amount of compensation here is often much lower than the insured sum. Typically, insurers cover 10 percent under external insurance.

Often, consumers are not aware of the risks associated with inadequate insurance coverage. The holiday season and the dark winter months, in particular, are peak times for home burglaries. Consumers often only realize how important home contents insurance is after the damage has already occurred. Sooner than expected, a fire, burst water pipe, or burglary can turn life upside down.

To avoid the hassle with insurance in the event of a claim, Trisor GmbH offers a secure place to protect cash, gold, art, jewelry, or personal mementos from fire, water, and burglary damages.

The security company provides customers with fully automated and state-of-the-art safe deposit box facilities to securely store their most valuable possessions outside their own home, with access available at any time. The process from registration to the opening of the personal safe deposit box is quick and uncomplicated. After online registration and proof of identity on-site, the safe deposit box can be used independently. The contents of each safe deposit box are insured by the lessor up to EUR 5,000.00 against fire, burglary, vandalism, and burglary and robbery within the business premises. Additionally, it is possible to take out additional insurance coverage up to EUR 500,000.00 with the rental of the safe deposit box. Upon request, an individually higher insurance sum can also be agreed upon.