The currency of a claim is evidence collected in advance: that yearly apartment video and the folder of receipts. Reconstructing a loss list from memory after a fire is nearly impossible — and every unproven item is missing from the payout.
Hausrat: When Damage Happens
Burglary, water or fire — the payout depends on the first 48 hours: police for theft, documentation before cleanup, and replacement value, not second-hand value.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
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Max recommends:
After my bike was stolen: online police report in 20 minutes, frame number and purchase-ad photos attached. Report same day — payout in three weeks.
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Lea recommends:
Do not discard the soaked carpet before inspection: the insurer may see the damage. Timestamped photos saved my claim from the accusation of cleaning up too fast.
FREQUENTLY ASKED QUESTIONS
My wallet was stolen in a cafe — does Hausrat pay? ▾
Simple theft outside the home is not covered in base tariffs — only burglary. Exceptions: tariffs with a simple-theft clause, and robbery (with force), which is covered.
The insurer offers noticeably less — accept? ▾
No: demand an itemised calculation and prove replacement value with current prices. Then: the free insurance ombudsman decides disputes up to 10 000 € bindingly for the insurer.
The upstairs neighbour flooded me — whose insurance? ▾
His liability insurance. But your Hausrat pays you first and recovers from his insurer — notify both, you get paid faster.