I'm with my sister for a few days starting today, so my apartment is empty.
What would happen if the house exploded and all my things, that is: laptop, PC, Ps4, television, etc. Are there then?
No household insurance or whatever, but all bills for the things.
Does the landlord still have to pay for the damage?
No, nobody has to pay that. Home insurance pays for damage to the house, household insurance pays for damage to mobile objects.
Then you are just unlucky, if you were insured you would receive the current value of your goods.
So house insurance would take over in such a case?
You would reimburse the current value, damage to the building is covered by the building insurance
I just wonder if there are actually people who don't have home insurance, I can't even imagine
Well i don't have any lol. But it will change now.
I haven't lived alone yet and don't really have a clue about that.
Household contents insurance usually reimburses the new value
If you were insured you would be of your goods
Preserved current value.
This regulation was taken off the market around 1970!
Well, then you've got things blown up.
Your landlord will generally not pay anything for damage to your stuff, unless they were at fault for causing the damage.
Why don't you just take out household insurance? Then you could certainly sleep more easily.
The household contents insurance regulates the new value.
What would happen if the house exploded?
It won't explode. Why should it? Think about what happens if the house explodes and you're there, so don't go away. You couldn't prevent the explosion. The damage to your things would be the same + you gave yourself too.
No household insurance or whatever, but all bills for the things.
Would you take all the bills with you or would they be in the apartment under all the clutter? Suggestion: Take a photo of it and upload it to some cloud storage.
Does the landlord still have to pay for the damage?
Yes, if he planted the bomb himself. No to war events and riots. No, if you have contents insurance.
If you already suffer from anxiety disorders, you should definitely take out household insurance in addition to health insurance and personal liability insurance so that you are not financially at the end of such an event.
However: If the value of the household effects is rather low, because it mainly consists of used and scrunched up parts, which in total z. B. If they are worth less than 2000 euro, household insurance is also not worthwhile.
But since you have all kinds of devices and probably also have some inventory in the kitchen and in the closet, such an insurance should pay off for you. And it would also be good for your healthy sleep.
