Hausratversicherung (contents insurance) setup

Overview

Use this when moving into a new apartment. Contents insurance (Hausratversicherung) is optional but recommended—it covers theft, fire, and water damage.

Timing to be aware of

When triggered

Reference only — your timing may differ. Confirm with the relevant office.

What you'll need

• Anmeldebestätigung
• list of valuables

Common questions

Questions people often look up at this stage. Answers are general — confirm with the relevant office or a qualified professional.

• Does it cost more to see a doctor in Germany if I'm not from the EU?
• I just arrived and my card hasn't arrived. Can I see a doctor today?

Related events

• Obtain Wohnungsgeberbestätigung
  Critical
  7 days before move-in
• Send tenancy termination notice before moving out
  Critical
  93 days before move-out
• Confirm receipt of termination notice
  Critical
  90 days before move-out
• Check fixed-term lease end (Zeitmietvertrag)
  Critical
  90 days before contract expiry
• Respond to landlord termination notice (e.g., Eigenbedarf)
  Critical
  When termination received