The cheapest household contents insurance under the magnifying glass
In our comparison, household contents insurance at Huk24 is very cheap. It scored very well in our test of cheap household contents insurance due to transparent contract conditions, quick conclusion of contract and sufficient scope of services. For the basic tariff, you pay a reasonable EUR 28.87 with a deductible of EUR 300 based on our general conditions. However, neither scorching nor scorching damage is insured in this tariff. However, you can extend your Huk24 household contents insurance to include protection against natural hazards for EUR 11.12. However, the significantly better Classic tariff is only slightly more expensive with an annual sum insured of 35.05 euros. This tariff protects you against damage caused by fire, lightning (including surges), burglary, robbery, tap water, storm and hail. Scorching and smoldering damage are also insured. With all tariffs, Huk24 waives the objection in the event of damage caused by gross negligence.
Our recommendation: A deductible of 500 euros applies to natural hazards. Therefore, check whether this supplementary insurance makes sense for you. Due to the minimal difference in price between the basic and classic protection of the Huk24, we recommend classic protection.
If you are looking for a cheap household contents insurance, then there is also the household contents insurance Helvetia* for you. With household contents insurance, you have the choice between basic protection, compact protection and comfort protection. While basic protection from Helvetia costs EUR 28.87 a year with a deductible of EUR 250, you pay EUR 46.46 for compact protection and EUR 70.10 for comfort protection. Note that the basic protection does not include the waiver of reduction in the case of grossly negligent behavior. The additional protection against elementary damage costs you an additional 21.95 euros in all tariffs based on our test conditions. Despite the additional service provided by protection against natural hazards, the insurance remains affordable. We rate that positively. In addition, Helvetia’s online calculator is very user-friendly. You can calculate the sum insured individually by breaking down how much the various items in your household are worth.
Important: Helvetia’s comfort protection includes a number of additional services that are not relevant for every policyholder. Therefore, check which tariff suits your current life situation better and whether you want to pay the deductible.
The basic protection tariff from the provider is also cheap Barmenia Direct*. And this insurance also includes all the important components of household contents insurance. Specifically, damage caused by fire, lightning, explosion, burglary, robbery and vandalism, mains water, storm and hail are insured. You pay EUR 55.95 per year for this protection. However, with this basic tariff you are not insured against gross negligence.