Let's say I live in a shared apartment and have taken out home insurance for the entire shared apartment. One of my roommates has still registered his main residence with his parents, but does not live here for training reasons (then the parents' external insurance might take effect). Now someone breaks in and steals the mentioned roommate's laptop. Does my home insurance now apply? Or is there a problem because it is not reported here?
Or more generally: Does the home contents insurance apply to people who are registered at another place of residence, such as guests who come to visit me for several weeks?
Hmm… How long has it been possible to take out household insurance for a flat?
https://ammerlaender-versicherung.finconext.de/hc/de/articles/360014674139-Studenten-WG-Wohngemeinschaft-Hausratversicherung
Hmm… But it is very vague and does not apply to the "visit"!
"Visiting" either has a home contents insurance itself (keyword "external insurance"), or there's none.
Then the contents insurance must also be for the flat share. That means you would have to rename them each time a member is exchanged.
You can of course insure the entire apartment in your name, but then this laptop falls under "third-party property" that is only insured to a limited extent. You should coordinate this with the insurance broker you trust. It is also a bit more expensive than "normal" home insurance.
So if the household effects of a third party are in the home of the policyholder and the home of the policyholder is used for private use, insurance cover also exists for them. If the household effects of the third party are insured separately, the damage will be compensated taking into account the different sums insured and any underinsurance.
https://www.haufe.de/recht/deutsches-anwalt-office-premium/3-hausratversicherung-4-eigentumsverhaeltnisse_idesk_PI17574_HI7373394.html
"Visiting" is only covered by your own household contents insurance anyway, under "third-party" property "
If there's one for everyone, why are there any ambiguities?
And why shouldn't the external insurance through the parents take effect?
Since you can have household items there…
Nuja… The problem is probably in the thing! The roommate only lives unofficially with you… So his insurance has to take effect! Just stupid… If his "room" burns down… He is not registered… The insurance company will probably be suspicious! By the way… Why should my insurance work? Regardless of how it is… "insurance companies" like to scatter when it comes to dubious transactions!
But very limited and after extensive examination! If a "van gogh" brought by my visit… Suddenly burns down or is stolen… My household items definitely won't stick!
If the property of an unregistered resident is burned down, that's dubious enough. As I said, "third-party property" can be insured
If he is no longer in training as described, the external insurance does NOT apply.
One of my roommates still registered his main residence with his parents,
What do you have on your cheek for HR insurances that do not pay in the event of damage because the children are / live in the household?
