Contact and content responsibility
Mahdi Barzkar
Owner and insurance broker authorised under section 34d(1) of the German Trade Regulation Act · Register number D-H3YB-K7WLO-18.
Pensions & protection
Contents insurance calculator: sum insured
If the sum insured is too low, household contents insurance (Hausratversicherung) may only pay part of a claim. With the flat rate per square metre, you are usually on the safe side.
Result
- Recommended sum insured
- Typical limit for valuables (20%)
The results are non-binding estimates for guidance only and do not replace tax, legal or investment advice. What counts are your payslip, your tax assessment (Steuerbescheid) and the terms of your contracts.
How it is calculated
Sum insured = floor area × amount per square metre. If you own particularly valuable furniture, electronics or collections, it is better to estimate the replacement value item by item.
Valuables such as jewellery or cash are usually subject to separate limits, often 20% of the sum insured.
Frequently asked questions
What is underinsurance?
If the actual value of your household contents exceeds the sum insured, the insurer can reduce its payout proportionally. A waiver of underinsurance (Unterversicherungsverzicht) protects you against this if the agreed sum per square metre is reached.
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