Household Contents Insurance

1. FRIDAY household insurance offers extensive coverage for various types of damages, such as:

• Fire
• Storm & hail
• Water damage
• Theft through burglary
• Robbery
• Vandalism after break-ins
• Explosion and implosion
• Heat-related damage
• Power surge damage
• Scorching and smoldering
• Smoke, soot, and deflagration

Moreover, internal rainwater pipe damage and rainwater utilization systems are also insured alongside water pipe protection.

Private liability insurance covers personal, property, or financial damage that you cause to others. It reimburses the current value of the damaged item. For instance, if you accidentally spill red wine on a friend’s light carpet, liability insurance will cover the damage and pay the carpet’s current value.
Household insurance, on the other hand, protects your belongings within your home. It covers damage from events like water pipe leaks, fire, or burglary and reimburses the replacement value, no matter how old the item is.

Yes, self-inflicted damage is covered by all FRIDAY household insurance tariffs - provided the damage wasn’t caused intentionally.

Coverage starts from the date you choose, as long as the first premium is paid on time. During the setup process, the earliest start date you can select is the following day, and it cannot be backdated.

1. When you move to a new apartment, your household insurance coverage automatically transfers to your new home. Be sure to notify us before your move and provide your new address and the size of your new apartment.
   To update your details, use our contact form and choose "General," "My Data," and "Address" as the category. We will need the following information:

• Email address (registered in the contract)
• Insurance policy number
• Moving date
• New address
• New living area

Please double-check for typos in your email address and policy number to ensure we can process your request. We’ll adjust your sum insured based on the new living area.

During the move, your insurance covers both apartments. Coverage for your old apartment ends no later than three months after the move begins, which is when items are permanently moved to the new apartment.

The living area consists of rooms meant for living purposes, such as a winter garden, hobby room, study, or basement. Areas like balconies, terraces, storage spaces, heating rooms, attics, stairs, and garages are excluded.

If you're uncertain about the measurement, simply use the living area listed in your rental or purchase agreement.

Your insured location is the residential address listed on your policy, within Germany. This includes a privately used garage in the same or a neighboring municipality. If you have the Relax tariff, your garage can be located anywhere in Germany, though valuables won’t be insured in that case.

Yes, if your robotic lawn mower is damaged by storm or hail on your insured property, we will cover up to €5,000 under the Balance tariff, and up to the insured amount with the Relax tariff. However, theft of the lawn mower is not covered.

Yes, FRIDAY home insurance will replace your awning at its replacement value if it’s damaged by a covered event like hail or storm. However, damage from wear and tear is not covered by home insurance.

No, shutters are considered part of the building and are covered under building insurance, not home insurance.

FRIDAY home insurance covers damages at replacement value, up to the agreed sum insured. Note that some services may have specific compensation limits.

FRIDAY home insurance will reimburse you for trick theft at your insured location, with coverage up to €2,500 under the Balance tariff and up to €10,000 under the Relax tariff Trick theft occurring outside your home is not included.

Yes, pets like cats, fish, or birds are covered under household insurance, as they are legally considered property. This means that FRIDAY will reimburse you for their material value in case of loss due to fire or other insured damages.

No, furniture in a furnished rental apartment is not covered, as it is not part of your own household items. However, if you damage rented furniture, such as a fitted kitchen, your personal liability insurance will cover the costs.

Imagine flipping your apartment upside down—everything that falls out is considered household goods, which are protected by household insurance. This includes:

• Furniture & Decor: Carpets, furniture, curtains, TV stands, and cabinets
• Electronics: Washing machines, televisions, refrigerators
• Everyday Items: Dishwashers, washing machines, and dishes
• Valuables: Antique paintings, jewelry, cash, and securities
• Pets: Fish in aquariums and birds in their cages
• Personal Furniture: Kitchens and cabinets you brought into the home
• Outdoor Items: Garden furniture, grills, sculptures, and sunshades
• Bicycles and Pedelecs
• Home Office Equipment
• Recreational Equipment: Paragliders, hang gliders, kayaks, and boats
• Business Items: Commercial goods, sample collections, and self-made items
• Private Balcony Power Plants
• Antenna Systems and Awnings

The insurance sum is the maximum amount an insurer will pay in the event of a claim. It must accurately reflect the value of your household goods to avoid underinsurance. If the sum is too low to cover the damage, you will have to pay the difference yourself.

To determine the appropriate insurance sum for your household insurance, you can use the following benchmarks:

To estimate the correct insurance sum, use these guidelines:

• Simple furnishings: €550 per square meter.
• Normal furnishings: €650 per square meter.
• Higher-quality furnishings: €850 per square meter.

Ensure the insurance sum we propose matches or exceeds the actual value of your household goods for adequate coverage.

For example, if you have 50m² of living space with normal furnishings, your insurance sum should be €32,500 (50 x 650) - it's that simple!

• FRIDAY household insurance is available for:
• Single-family homes
• Two-family homes
• Multi-family homes
• Terraced and semi-detached houses

These buildings must belong to construction classes BAK I to III and should not be in buildings without a hard roof or those classified as BAK IV or V. You can insure household contents in your primary residence or a commuter apartment. However, holiday apartments, holiday homes, allotments, campsites, mobile homes, and purely commercial spaces are not covered.