1. What is the difference between Hausrat and Geschäftsinhalt?
| Item | Hausratversicherung (household contents insurance) | Inhaltsversicherung / Geschäftsinhalt (business contents insurance) |
|---|---|---|
| Coverage | Furniture, electronics, clothing, personal belongings | Goods/stock, machines, professional equipment, work documents |
| Reason for insurance | Protecting your private home and household | Protecting your business or professional activity |
| Place of coverage | The flat / private home only | The business premises (even if they are at home) |
| Examples | TV, sofa, kitchen utensils | Professional sewing machine, office computer, stock for an online shop |
2. Does Hausratversicherung cover professional tools and equipment?
No, generally it does not – except in rare and narrowly defined cases, such as:
-
A private laptop that is also used partly for work → sometimes covered
-
A very small professional activity that is not yet considered a formal Gewerbe → only with explicit approval from the insurer
But:
If you have a registered Gewerbe (even a small Kleingewerbe), the Hausratversicherung will not cover losses related to your business equipment or commercial goods.
3. Can both types of insurance be combined in one policy?
Yes, some insurance companies offer a combined package:
-
Hausrat coverage + an extension for Geschäftsinhalt (business contents)
However, this usually increases the monthly premium.
In many cases, the better setup is:
-
A standard Hausrat policy for your private home
-
a separate Inhaltsversicherung policy in the name of your business.
4. What does Inhaltsversicherung actually cover?
| Situation | Covered? |
|---|---|
| Fire | Yes |
| Water damage from pipes (Wasserleitung) | Yes |
| Burglary with forced entry | Yes |
| Power outage / damage to electronic devices | Yes (if the policy includes an “Elektronikbaustein” module) |
| Damage to goods during transport | Usually no (you typically need an additional transport insurance for that) |
5. How much does the coverage cost? (roughly)
| Business size / setup | Approx. monthly price |
|---|---|
| One room, about 15 m² | Around 8–15 € |
| Small shop or workshop | Around 20–60 € |
| Online business with stock | Around 25–70 €, depending on total value and location |
The editorial team of the website makes every effort to provide accurate information based on thorough research and multiple sources. Nevertheless, mistakes may occur or information may be incomplete or not fully confirmed. Therefore, please regard the content as an initial reference only and always consult the competent authorities and professionals for binding, up-to-date information.
