Hausratversicherung Kosten in Germany (2026 Breakdown)

A 90 m² flat insured for an identical 58,500 € of contents can cost roughly 58 € a year in one German postcode and well over 120 € in another — same coverage, same floor space, different Tarifzone. That single variable is the biggest lever in what Hausratversicherung (home contents insurance) actually costs, and most English-language guides skip straight past it to generic “get a quote” advice. This breakdown leads with a worked cost table for 60, 90, and 120 m² flats, then walks through the three inputs — Versicherungssumme, Tarifzone, and Selbstbeteiligung — that combine to produce the number on your bill.

TL;DR — What Hausratversicherung actually costs

The 650 €/m² rule of thumb sets your Versicherungssumme — a 90 m² flat works out to roughly 58,500 € of insured contents.
Location (Tarifzone) alone can double or triple the premium for an identical policy on an identical flat.
Raising your Selbstbeteiligung (deductible) lowers the monthly price — the tradeoff is paying more yourself on a claim.
Elementarschutz (flood, heavy rain, backup water) is not automatically included and is the single biggest coverage gap households discover too late.
Real published premiums for typical flats land roughly between about 3 € and 15 € a month, before optional add-ons.

650 €/m² The industry rule of thumb used to set a Hausrat Versicherungssumme — a 90 m² flat works out to about 58,500 € insured.

The three numbers that set your premium

Every Hausratversicherung quote is built from the same three inputs, and once you see them laid out, the price on a comparison portal stops looking arbitrary.

The 650 €/m² rule (Versicherungssumme)

The Versicherungssumme is the value your contents are insured for — furniture, electronics, clothing, and everything else in the flat. Rather than itemizing every possession, German insurers use a rule of thumb: roughly 650 € per square meter of living space, a figure the industry has used for years, with individual insurers’ own guidance ranging from about 500 to 750 €/m² depending on how the household is furnished. A 60 m² flat comes out to about 39,000 €, a 90 m² flat to about 58,500 €, and a 120 m² flat to about 78,000 €.

The number matters for more than the premium calculation. Insurers that use this rule of thumb typically grant an Unterversicherungsverzicht — a waiver of the underinsurance check — as long as the sum insured was set using their published per-square-meter value. That single clause is what turns “insured for 58,500 €” into “paid out in full up to that amount,” rather than a proportionally reduced payout. Households with unusually high-value contents (art, designer furniture, extensive electronics) are generally advised to insure above the standard 650 €/m² baseline rather than rely on the rule of thumb alone, since it is designed as a floor, not a ceiling.

Tarifzone: why postcode moves the price 2–4x

Insurers group postcodes into Tarifzonen — pricing zones based mainly on local burglary risk, with storm exposure and water-damage frequency as secondary factors. A widely cited real-world example from HUK-Coburg’s Hausrat Classic tariff shows the spread directly: Frankfurt am Main, a high-risk zone, priced at 2.10 € per 1,000 € of Versicherungssumme, against Niederneisen, a low-risk zone barely outside the city, priced at 0.99 € per 1,000 € — more than double for the identical policy. Separately, elemental-damage cover (flood, heavy rain, backup water) is priced using its own ZÜRS zoning system (Zonierungssystem für Überschwemmung, Rückstau und Starkregen), which can push the add-on price sharply higher in flood-prone postcodes regardless of the base Tarifzone.

Selbstbeteiligung (deductible)

Selbstbeteiligung is the amount you agree to cover yourself before the insurer pays out on a claim, typically ranging from 0 € up to around 1,000 €. Choosing a higher deductible lowers the monthly premium because the insurer’s average payout per claim drops; the tradeoff is a larger out-of-pocket cost the one time something actually happens. Comparison examples commonly quote premiums at a 250 € deductible as a mid-range reference point.

Worked cost table: 60, 90, and 120 m² flats

Combining the 650 €/m² rule with HUK-Coburg’s published zone-1-versus-zone-6 per-mille rates gives a concrete range for a standard, no-frills policy — before Elementarschutz, Fahrraddiebstahl, or other add-ons are stacked on top.

Flat size	Versicherungssumme (650 €/m²)	Low-Tarifzone annual premium (~0.99 €/1,000)	High-Tarifzone annual premium (~2.10 €/1,000)	Approximate monthly range
60 m²	≈ 39,000 €	≈ 39 €	≈ 82 €	≈ 3.25 € – 6.85 €
90 m²	≈ 58,500 €	≈ 58 €	≈ 123 €	≈ 4.85 € – 10.25 €
120 m²	≈ 78,000 €	≈ 77 €	≈ 164 €	≈ 6.40 € – 13.65 €

These figures line up with real published examples: Allianz quotes a 100 m² flat with a Smart tariff and bicycle cover from about 9.51 €/month, and Finanztip’s own regional comparison for a 100 m² flat with a maximum 250 € deductible ranged from roughly 29–42 €/year in a low-risk small town up to 73–97 €/year in central Cologne. Add Elementarschutz, and the ceiling moves higher still — CosmosDirekt’s Comfort tier for an 80 m² flat ran about 67 €/year in a cheap zone versus over 201 €/year in Cologne, and comparable Hamburg examples for 80 m² ranged as high as 353 €/year on a fuller-featured tariff.

Warning

The biggest cost trap is not the base premium — it is assuming Elementarschutz is already included. Standard Hausratversicherung typically does not cover flood, heavy rain, or backup-water damage unless that module is added separately, and it is priced using its own ZÜRS flood-risk zoning rather than the standard Tarifzone. Renters and owners in a higher ZÜRS zone who skip this add-on to save a few euros a month are the ones most exposed when a Starkregen event hits.

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What else moves the number: add-ons and real city examples

Beyond size, zone, and deductible, the tariff tier itself changes the price. A basic policy covers fire, burglary, tap water, and storm/hail as standard; Comfort and Premium tiers typically add Fahrraddiebstahl (bicycle theft, including outside the home), Glasbruch (glass breakage), and higher payout caps for individual high-value items, along with Elementarschutz as an optional module. The real-city spread makes the pattern obvious: Nuremberg examples for an 80 m² flat ranged from about 35 € to well over 155 €/year depending on insurer and tier, while Hamburg — a higher-risk metro area — showed an even wider spread, from about 79 € to 353 €/year for the same floor space. None of that variation comes from the size of the flat; it comes from tier, zone, and add-ons stacked on the same base Versicherungssumme.

Note

A cheaper Tarifzone does not mean a smaller Versicherungssumme should be chosen to save further. The 650 €/m² figure is meant to reflect what it would actually cost to replace everything in the flat — cutting it below that reintroduces the underinsurance risk the rule of thumb (and the Unterversicherungsverzicht that comes with it) was designed to avoid.

Unterversicherungsverzicht: why the rule of thumb matters legally

Without an Unterversicherungsverzicht, an underinsured claim is paid out proportionally: if the Versicherungssumme covers only 70% of the contents’ actual value, the insurer pays only 70% of the claim, even on a total loss. With the waiver in place — automatically granted by most insurers when the Versicherungssumme was calculated using their published per-square-meter figure — a claim is paid in full up to the agreed sum, regardless of the actual value of the contents. This is the practical reason the 650 €/m² figure is treated as a floor rather than a target: setting the sum insured any lower can forfeit the waiver entirely, not just reduce the payout proportionally.

Because tariffs, per-mille rates, tier inclusions, and Elementarschutz pricing all vary by insurer and postcode, the common approach among comparison-portal users is to run the same flat’s details through several providers side by side rather than accepting the first quote. That comparison is exactly the kind of task a licensed intermediary such as Tarifcheck is set up to do — pulling multiple insurers’ Tarifzone-adjusted prices for the same Versicherungssumme and Selbstbeteiligung in one pass.

How this fits with your other Germany insurance

Hausratversicherung insures what is inside the flat; it does not cover the building structure itself, which is a separate policy with a different logic — the difference, and where the two overlap for renters versus owners, is covered in Wohngebäudeversicherung vs Hausratversicherung. It also does not cover damage you accidentally cause to someone else’s property or injury to another person, which falls under Haftpflichtversicherung instead. For anyone who has just landed and is trying to work out which policies are actually urgent in the first weeks versus which can wait, the first-month insurance guide lines up the full priority order. And because the Tarifzone math above shifts noticeably between renting a flat in a city center and buying further out, it is worth reading alongside renting vs buying in Germany if a move is part of the plan.

Frequently asked questions

How much does Hausratversicherung actually cost per month in Germany?

Based on published examples, a standard policy on a typical flat commonly lands somewhere between about 3 € and 15 € a month depending mainly on size, Tarifzone, and deductible, with fuller-featured tariffs including Elementarschutz and other add-ons running higher — real city examples have gone as high as roughly 29 €/month for an 80 m² flat in a high-risk zone with extensive cover.

How is the Versicherungssumme for Hausrat calculated?

The common approach is multiplying the flat’s living space in square meters by the industry rule of thumb of about 650 €, with some insurers’ own guidance ranging 500–750 €/m². A 90 m² flat, for example, works out to roughly 58,500 €. Households with above-average contents value are generally advised to insure above this baseline rather than rely on it as a ceiling.

What is a Tarifzone and why does it change my premium?

A Tarifzone is a pricing zone insurers assign based on postcode, primarily reflecting local burglary risk, with storm and water-damage history as secondary factors. Each insurer sets its own zones and number of tiers, which is why the same flat can price very differently between two providers — a published HUK-Coburg example shows a per-mille rate of 2.10 € (Frankfurt) against 0.99 € (a nearby low-risk town) for an identical policy.

What does Unterversicherungsverzicht mean?

It is a waiver where the insurer agrees not to check whether the Versicherungssumme matches the contents’ actual value at the time of a claim. Without it, an underinsured claim is paid only proportionally to the ratio between the sum insured and the real value; with it, a claim is paid in full up to the agreed sum. Most insurers grant it automatically when the sum insured was calculated using their published per-square-meter figure.

Is Elementarschutz included in a standard Hausratversicherung?

No — it is typically an optional add-on covering flood, heavy rain (Starkregen), and backup-water damage, priced separately using ZÜRS flood-risk zoning rather than the standard Tarifzone. Skipping it to save on the monthly premium is the most commonly cited coverage gap, particularly in postcodes with a higher ZÜRS classification.

This article provides general information only and is not individualized financial or insurance advice. Premiums, per-mille rates, and Tarifzone assignments vary by insurer, postcode, and household details, and the figures above are illustrative examples drawn from published sources current as of mid-2026, not a quote for any specific address. Compare current Hausrat tariffs via a licensed intermediary such as Tarifcheck before choosing a policy. Alle Angaben ohne Gewähr.