Home contents insurance or household insurance (Hausratversicherung) insures the content of your house, up to a certain value. This includes your furniture and all the other movable things in the house. It can also cover things like computers and bicycles.

If you don't own expensive furniture, it's cheaper to insure items individually. For example, you can get bicycle insurance instead of a home insurance that covers bicycles.

Some household insurance policies also cover locksmiths. If you lock yourself out of your apartment, your insurance will pay for the locksmith.