Hausratversicherung im Test

Overview of current test winners 

  • Over 100 offers in the test
  • Drastic price differences of several hundred euros
  • Find now cheap and good home insurance

To the tariff comparison

Household insurance in the test: Who are the current test winner?

Whether a stolen bike, gross negligence caused damage to their own household or a devastated living room after a break – a good home contents insurance insured does not leave in these cases in the lurch. Which providers rank among the best, clarify comparisons regularly such as the test of Stiftung Warentest. But not every household insurance, which is named test winner, is automatically suitable for anyone who is interested.

Table of Contents:

  • Stiftung Warentest
  • Other test winners of Öko-Test
  • Focus Money
  • customer experience
  • Easy and fast to find the best home insurance

Household insurance in the test at Stiftung Warentest: The test winner 2018

With household contents insurance, insured persons protect themselves against the financial consequences if their belongings are stolen during a burglary, destroyed by fire or damaged by escaping tap water. But not every insurance pays if the damage was caused by gross negligence . If the policyholder has not completely closed a window during a storm, for example, or let a candle burn unattended, some providers cut back the services.

Especially expensive household goods should be fine
to be secured.

To ensure that this does not happen, the Stiftung Warentest has put the focus on household contents insurance for their current test , which pay in case of gross negligence . More than 140 offers from 60 insurances were examined for comparison, which appeared in the Financial Test Issue 04/2018. Individuals who have already taken out insurance advise the consumer organization “to review their policies and, if necessary, switch to a contract that excludes cuts in gross negligence.”

For its test, the Stiftung Warentest has also examined household contents insurance, which cover elementary damage caused by natural hazards such as floods. Depending on the place of residence, the additional protection only costs a small surcharge of less than 20 euros per year. Without it interested people pay for the cheapest home contents insurance annually less than 60 euros.

The result: which insurance is top?

The model customer is a 45-year-old employee with a 100 square meter apartment. In addition to standard protection, household contents insurance provides the following benefits:

  • Bicycle theft with at least 1,000 euros insured
  • Valuables are covered with at least 20 percent of the sum insured
  • Damage caused by overvoltage with at least 10 percent of the sum insured

The costs were queried for the cities of Munich (postal code 80804) and Cologne (50999). The five cheapest tariffs without elemental damage protection offer:

Munich Cologne
Docura (Tariff “Protect”) Ammerländer (rate “Comfort”)
Media (“Premium”) The Liability Insurance Fund (“Simply Better)
East Angler (“Exclusive Fair Play”) Media (“Premium”)
Black Forest (“Exclusive Fair Play Direkt”) Black Forest (“Exclusive Fair Play Direkt”)
Black Forest (“Exclusive Fair Play Plus Direct”) WGV (“Optimal”)

According to the Household Insurance Test, the annual subscription for the sample customer in Munich at the rates mentioned is between 56 and 70 euros . Cologne is more expensive due to the higher burglary risk. Here, the price range is 131 euros to 167 euros a year.

If interested people decide in favor of home contents insurance with elemental damage protection, the test winners hardly change. For Munich, the insurers mentioned remain the cheapest. In Cologne, instead of the WGV and the Liability Insurance Fund, the tariffs of Docura and Black Forest, which have already convinced in Munich, move up to the top 5. The costs here vary between 72 Euro and 89 Euro annually for the Bavarian capital respectively 156 Euro and 193 Euro.

While the cost differences in the low-cost providers are still low, the gap is far greater when looking at all household contents insurance examined. In Cologne, the annual fee increases to up to 516 euros . If insured persons also want to be protected against natural damage, up to 650 euros will be charged.

The drastic price ranges illustrate how important it is to compare several tariffs before the insurance is taken out so as not to pay too much for the comprehensive protection of the insurance . The individual comparison considers the respective place of residence and determines offers with an optimal price-performance ratio.

  Compare fares here

Öko-Test: Which home contents insurance offers the best benefits?

The magazine Öko-Test is also one of the bodies regularly testing household contents insurance. It last performed the comparison in the spring of 2017. Only those offers were considered which give a maximum performance guarantee. As a result, insured persons always benefit from the best services. For if the contract does not provide for a specific insured event, the insurance company will nevertheless reimburse the damage to the household goods if another provider would pay for the case. However, insured persons pay a higher contribution for this promise of service.

According to the test, four insurance companies achieve the top rating:

✓ ConceptIF – “CIP-Pro complete best service OM” and “VS”
✓ GMO – “Top-Vit”
✓ Policy – “PremiumPlus2016”

However, according to Öko-Test, not all household contents insurance can meet the guarantee. Because the commitment is limited by exclusions or other insurance conditions. Interested parties should therefore check carefully whether they want to pay more money for the performance plus in comparison to a household insurance without maximum performance .

Current Household Insurance Test winner for 2018 of Focus-Money

At the end of 2017, the business magazine Focus-Money tested 39 household insurance policies for the 50/2017 issue of the rating agencies Franke and Bornberg. The focus was on the best mix of price and performance . Only tariffs with top protection were checked. That means they offer

  • Insurance cover for household goods outside the home (so-called external insurance) for at least three months,
  • Guarding costs for at least 48 hours for the apartment or the house,
  • Reimbursement of bicycle theft also between 10pm and 6am,
  • Securing valuables up to 20,000 euros or 20 percent of the sum insured,
  • Elemental protection as well
  • Coinsurance of surge damage and aquariums.

As a model case, a 100 square meter apartment was ready. The annual costs of the respective insurance were determined for the five locations Hamburg, Berlin, Cologne, Hanover and Munich.

Three household contents insurance convince the test according to an excellent price-performance ratio and are thus test winner of the comparison:

  Media “Premium” Basler “Ambiente Top” InterRisk “Concept XXL”
20095 Hamburg 143 euros 178 euros 263 euros
10155 Berlin 143 euros 178 euros 138 euros
50667 Cologne 146 euros 202 euros 217 euros
30159 Hanover 143 euros 158 euros 104 euros
80802 Munich 77 euros 108 euros 138 euros

Tip: Interested parties reduce the annual fee for their home contents insurance, if they choose a deductible , as the comparison calculator shows.

What experiences do customers have with their home contents insurance?

Choosing for or against a particular insurance does not just depend on the services, the price and the results of the test so far. Dealing with customers also determines how good or bad insurance is. The Service Value analysis institute therefore regularly checks the experiences of insured persons with their household contents insurance.

At the end of 2017 more than 3,000 customer judgments were evaluated for comparison , whereby the customers were allowed to give their opinion in the areas of claims settlement, tariff performance, price-performance ratio, customer service, -communication and -beratung. 33 insurers were taken into account.

Nine vendors score from the perspective of their customers with a very good fairness. Another seven home insurance policies get a good rating. The test winners include, for example:

✓ Ammerlander
✓ The Liability Insurance
✓ Helvetia

Best Household Insurance: Find personal test winner now

A household insurance is recommended for people who “after a total loss, such as after a fire, financially overburdened to buy everything new,” said the Stiftung Warentest. Interested parties have the choice between a variety of offers. The current test winners offer them a decision-making aid by providing a first overview of recommended fares. But since the costs vary according to the place of residence and the desired scope of services , they can not replace an individual comparison.

With a tariff calculator , several offers can be easily compared. So you can easily and quickly find home contents insurance that best suits your own needs.


Facilitation for Consumers: Bank Account for Everyone Comes 2016

Wednesday, 28.10.15 , written by Kathrin Staats The Federal Cabinet decided today to introduce the bank account for everyone. At the latest from 1 June 2016, the new law should apply. So far, there was only a voluntary commitment in Germany for banks. But with the right to a separate account by law, they now have to accept unwanted customers. For consumers, relief is in sight. >


Recht auf Bankkonto per Gesetz: Erleichterung für Verbraucher

Consumers are happy: Bank account for everyone is coming 2016

According to estimates, around 670,000 people in Germany currently have no access to a bank account . To improve this situation, a law was already proposed two years ago for the so-called bank account for everyone. This grants people the right to an account regardless of place of residence or financial situation .

Now, the Federal Cabinet has today passed the draft bill for the bank account for everyone . By June 1, 2016, banks will be required to set up a checking account for every consumer legally resident in the European Union. The right to a basic account makes everyday life easier for refugees, people without a place to live and financially weak consumers. Because they have no account “no good chances in the labor market . The search for accommodation becomes a problem for many people without an account, “explains Federal Consumer Protection Minister Heiko Maas (SPD).

What are the requirements for a bank account for everyone?

Hundreds of thousands of people in Germany are without a bank account and have to settle, for example, health insurance contributions, rent or insurance contributions in cash. Especially due to the high flow of refugees to Germany , the number of accountants increases enormously . But despite voluntary commitment, many banks still reject people without permanent residence or financial problems.

With the new law, the bank account for everyone affected to remedy. In the future, all people can open a basic account, regardless of money or debt . All that is required is that the person is legally resident in the EU. In addition, she must be capable of business. If both apply, they may in the future open an account on a credit balance basis from which they can transfer money. A credit line is not granted to the holder.

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Bank account for everyone: relief for many sufferers

For many people, the introduction of the new law is an enormous relief in daily life . Many people no longer have to pay their pension or salary in cash or can quickly and easily track financial obligations through transactions. The boss of the consumer center federation, Klaus Mueller, welcomes the right to a own account by the law, according to the Rheinische post office: “that the checking account for everyone comes, is a milestone for consumers .”

Editor’s tip: This regulates the basic account

The rights granted to consumers with the basic account from next year are shown in a joint graph of the Federal Consumer Protection Ministry and the Federal Ministry of Finance. A total of 8 functions are open account .

Despite voluntary commitment: Banks continue to reject consumers

Already since 1995, there is a voluntary commitment of the financial institutions for the establishment of Everyman accounts. However, many banks continued to reject potential customers with financial problems at their own discretion. Even then it was criticized that each-man accounts were offered only hesitantly by the banks . With the new law of the Federal Government, the banks are now forced to provide a bank account for everyone. You may only reject applications for a basic account if certain reasons exist, informs the Federal Ministry of Finance. This includes, for example, if the applicant already has a basic account.

Account on the credit balance provides criticism and innovations

The financial institutions are not very enthusiastic about the introduction of the law . From the point of view of the banks, an essential argument against the proposed legislation is the international regulation on the prevention of money laundering. This rule requires an identification of bank customers.

Another innovation that comes with the law is the publication of the account fees. By enacting the law, the federal government wants to ensure more transparency in terms of charges for consumers .

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The fine print of the mortgage. Stephen


Cláusula suelo


In 2013, the Supreme Court upheld the nullity of the ground clauses if they are not transparent . Since then, the claims on the ground clauses have only increased. So much that it is already a management problem for the Bank of Spain. According to its own data, the number of claims that are presented monthly for this reason has multiplied by approximately a factor of ten.

The floor clauses prevent the consumer from benefiting from the Euribor decreases , but they still exist in the contracts of thousands of Spanish mortgages. According to a study by, only five countries in the Eurozone continue to market mortgages with a floor clause: Spain, Belgium, France, Italy and Portugal.

80% of mortgages on Spanish homes have a floor clause According to this study, two large Spanish banks still apply land clauses in new mortgages, despite the ruling of the Supreme Court in May 2013 that annulled those clauses that were not transparent . It’s about La Caixa and Banco Sabadell. So that 80% of mortgages on Spanish homes has a floor clause , that is, almost 5 million loans.

Of these entities, only one of them (Banco Sabadell) offers concrete information on the limitation that it makes to the Euribor’s reductions. La Caixa leaves the door even more open to argue that “there is the possibility of establishing maximum and minimum limits at the applicable interest rate”.

The application of the floor clauses can have an impact of thousands of euros per year if the euribor falls to a level like the current ones. For example, a consumer who had contracted an average mortgage of those signed in January 2005, with a floor clause of 4%, would have paid out 85,430 euros to his entity, compared to 78,820 euros that he would have paid if he did not have a floor clause . That is, this limitation has made him pay 6,610 euros more during the last nine years (+ 8.39%) , according to Kelisto.

The biggest difference between your actual quota and the one you would have had to pay without a floor clause would have been recorded since 2010 . That same year, the consumer would have had to pay 1,140 euros more per year as a result of the application of the limit to the lowering of the interest rate. However, the maximum difference would have occurred this same year: in a case like this, the annual fee with floor clause would have exceeded 1,626 euros that it would have had to pay if it did not have this limitation.

Spain and four more

In addition to Spain, they maintain floor clauses Belgium, France, Italy and Portugal . In Belgium, current regulations require mortgages with a floor clause to also have a “maximum ceiling” that limits possible increases in interest rates, while in Portugal these provisions can not appear in the mortgage contract, but separately, from so that customers can avoid them if they wish.

On the other hand, in Italy the soil clauses can be considered invalid if the consumer is not able to understand them . France is the only country without a specific regulation on its functioning, a legal vacuum that is explained, among other things, by the limited application of these “soils”, since most of the mortgages signed in the French market are a fixed type.

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Stiftung Warentest: Liability for homeowners from 24 euros News always well informed

Stiftung Warentest: Liability for homeowners from 24 euros

A liability insurance is an important financial protection for homeowners. For owners are liable for damages of third parties who occur on their property or in a tenement house, can be held liable. The Stiftung Warentest has therefore examined in a recent test deals on liability for homeowners and landlords.
Haftpflichtschutz für vermietete Häuser
Liability for homeowners: Cheapest deals in the test

Who rents a house or condominium, has an increased liability risk. For example, if someone comes to harm as a result of security defects, then the landlord or land owner can be held liable . In the current financial test (issue 7/2015) policies were now tested for home and landowners liability. Depending on which provider is chosen, the liability protection for homeowners is already starting from 24 euros per year to have . Owners of owner-occupied residential property, however, can save this money. They are usually covered by their personal liability insurance against claims for damages.

Liability for homeowners: Attention during construction

The experts of Finanztest have examined in the house and landowners liability test 2015, the offers especially in terms of price. Because with the achievements there are only a few differences. Homeowners need to take care only if they also want to secure a photovoltaic system, or should still be built on the property. For many tariffs, construction projects are only insured up to a limited construction cost . The same applies to photovoltaic systems. These are not included in every policy. Ownership associations should also pay attention to the choice of insurance, for example, whether consequential or pecuniary loss are also insured.

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The cheapest liability for homeowners in the test

Apart from the special cases mentioned, homeowners can benefit from a favorable price for their liability. For example, anyone renting a two-family house can protect themselves at Huk24 for 38 euros a year with a sum insured of 15 million euros. Other insurers in the test offer the same protection only for over 100 euros. For apartment buildings there is the liability insurance for less than 50 euros. However, very expensive providers demand over 300 euros a year. The cheapest it is for landlords of single-family homes. There are special rates from 24 euros per year .

The cheapest tariffs for two-family houses (insured sum at least 5 million euros):

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Car Insurance Calculator



Car Insurance Calculator 2017 – Compare and save now

W ith a car insurance calculator, you can quickly and easily find the car insurance that best suits you. Compare the current offers in price and performance and determine with the car insurance rate calculator a cheap yet powerful rate.

When is the car insurance calculator worthwhile?

The car insurance calculator helps you to quickly and easily get an overview of the numerous offers for car insurance. You can conduct an insurance comparison for free and in this way find the tariff that best suits your wishes. The car insurance rate calculator is worthwhile not only if you want to insure a new vehicle, but also if you want to save money with a provider change. The insurance calculator shows you how best to save on car insurance and still secure as many benefits as possible in car insurance.

Use car insurance calculator 2017 and save money

Especially with the car insurance you can save a lot of money by a detailed insurance comparison. Insurers regularly launch new tariffs on the market and outdo each other with low premiums and extensive services. Here is worth a car insurance calculation every year again. The money that you save on insurance coverage can then be invested elsewhere in your car.

How does the car insurance calculator work?

The car insurance calculation works in five short steps, so you can find a suitable offer for your personal needs in just a few minutes. More than 100 current rates provides the car insurance online calculator for comparison. After you have given some details about the vehicle you want to insure, the car insurance calculator will search out all the offers that are suitable for your purposes. The online car insurance calculator works regardless of vendor, so you get a guaranteed neutral insurance comparison. From the result list, you can then select all the tariffs you are interested in and compare them in detail.

Calculate car insurance online

Find out in a few steps how much car insurance could cost for your vehicle and which offer is particularly suitable for you. The online calculator provides information about the current prices and services of the insurance companies. You can calmly compare the terms of insurance of individual rates and then decide which policy you want to complete. Take the opportunity and calculate now the cost of a motor insurance, a partial or comprehensive insurance.

Calculate price and compare performance

With the car insurance calculator you can decide for yourself which properties your car insurance should have. Do you attach great importance to providing as much protection as possible with extra services or are you simply looking for the cheapest offer? The comparison calculator shows you free of charge and with no obligation which provider you are currently in the best hands. Or do you just want to find out if your current car insurance is also available somewhere on more favorable terms? Then quickly and easily carry out a price and performance comparison with the car insurance calculator! This service costs you nothing and helps you to save money on car insurance. If you are interested, you can also complete your desired tariff online immediately after the tariff comparison or request a personal offer.

Motor tariff calculator:

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