In general, it is also possible to cancel your household insurance due to moving. However, certain conditions must be met, and these are not present in every change of residence. These restrictions are also understandable, as home insurance:
In most cases, an adjustment of the insurance coverage will be necessary, but the contract will continue. Due to these restrictions, it is not always easy to terminate the contract. Canceling home insurance due to moving requires special conditions.
Usually, a simple change of apartment is not enough. This is especially the case if you, as the insured person, move into an empty apartment with your household goods. The situation is different if two households are merged. So if you move into a furnished apartment and your partner already has household insurance, you can cancel your own insurance.
It is much less complicated to cancel household insurance due to a move in the form of a household breakup. This happens more often with seniors moving into a nursing home. Also, a permanent move abroad allows for cancellation, as the impact of household insurance is limited to short trips.
On the other hand, you are entitled to a special right of termination, with which you can cancel household insurance due to a move if higher costs result from the change of residence and a new tariff zone for the calculation of contributions.
Yes, you can cancel your home insurance if you give up your apartment. However, there are a few things you should consider:
If you want to cancel your home insurance because you are giving up your apartment, you should therefore inform yourself in good time and submit the cancellation in writing. This ensures that the contract is terminated on time and you do not have unnecessary costs.
A household insurance policy typically covers damages to or loss of household goods and personal belongings due to a range of events, such as fires, storms, burglaries, and accidents. The specific coverage of a household insurance policy may vary depending on the insurer and the specific policy.
Some examples of items that may be covered by a household insurance policy include:
It is important to carefully review the terms of your household insurance policy to understand what is and is not covered. Some policies may have exclusions or limitations on certain types of coverage, and it is important to be aware of these in order to make informed decisions about your insurance needs.
There are a few steps you can take to help find the best household insurance policy for your needs:
It may also be helpful to seek advice from an insurance broker or agent, who can assist you in finding the right policy for your needs. We at CR&Cie have many years of experience in advising expats in Germany. Contact us now to find the best insurance for your needs.
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