Home Contents Insurance

Cover everything that makes a house your home.

What is Home Contents Insurance?

Imagine your home has been turned upside down: Almost everything flying out (like furniture, clothes & electronics) is covered – up to a flexible amount, which you can adjust to your needs at any time.

Upgrade your basic plan


Plus is the perfect plan for those who want a little more coverage and extra perks at a great price. 

Theft of bags up to 1,000 €

Phishing (online-banking fraud) up to €1,000

Data recovery up to €1,000


This plan gives you premium coverage for your belongings – both in real life and online.

Valuables up to 100% of your coverage

Best price-performance ratio on the market

Up to 100% of your coverage for your belongings outside your home

Add toppings to your cover

Add useful extras on top of your home contents plan to enhance the coverage even more.

Gross Negligence

Get this add-on for protection against... yourself. Or in other words: if you screw up.


Like to park your bike around town? This add-on covers you up to €5,000.

Broken Glass

Broken glass brings good fortune, but is annoying if it's spread around the floor. This add-on covers glass breakage to lift your mood.

Why join Coya?

Become part of our Coya community

Super friendly English speaking customer service, a rarity in Germany, and really good for expats who are still learning the language. Customer service was responsive throughout the whole period and made the processing, although a bit long, a very pleasant experience. Also probably the easiest insurance company I’ve ever had to deal with.

Christian (one of our happy customers via Google reviews)

Introducing your
hassle-free insurance

Universal access to your insurance policies

View, edit or claim on your policy whenever or wherever you are.

Adjust coverage
to match life changes

Simply adjust your policy coverage anytime to suit your new reality.

Claim in seconds

Loss and damage suck, we can't sugarcoat it. That's why we make it as easy as possible to claim so we can take the burden off you.

Get insured in minutes

Get your offer

Answer a few questions and receive your personal offer in less than 2 minutes.

Adjust your coverage

Adapt the offer to your needs and setup your account.


Ready! You'll find all your documents in your digital Coya account.

Answers to burning questions

What items are insured?

Our insurance covers all the items which are used or consumed by the members of your household:

  • Furniture, carpets, clothing
  • Electric and electronic household devices
  • Aerials and marquees which are a fixed part of the apartment
  • Cash and valuables (e.g. jewelry) up to a certain limit
  • Pets of breeds habitually kept in apartments (e.g. dogs, cats or birds)

What exactly does insured sum mean?

The insured sum refers to the maximum value we would pay you. We suggest an estimated sum insured based on the size of your residence, but since only you know the total insurance value of your property, you should check whether our proposal suits you. The higher the sum insured, the higher your monthly premium. However, make sure not to set this value too low, otherwise you could be underinsured!


Where are my belongings covered?

Your belongings (home contents) are insured in your main residence (apartment or house) and any rooms, garages, carports, loggias, balconies and terraces or studies adjacent to the building and used exclusively by members of the household. Common rooms located on the property of your main residence e.g. a laundry room or bicycle cellar or garage as well as garages as well as customer lockers at banks are included in the insured space.


What about my bike?

Like any other item in your house, your bicycle is covered against the basic risks (fire, theft, water & storm) within the confinements of your home. However, the insurance does not cover your bike in any public space. For this, you may want to get the bike-add on which covers it against theft in any public space worldwide!


Will I be tied into a long-term contract?

Don't worry, Coya gives you the full freedom and flexibility to cancel your policy at any time. You can always determine the length of your plan and do not have to offer a particular reason for your decision to leave. Your termination will take effect the following day.


Is it really that easy to get coverage from Coya?

Yes, we are serious. We have founded Coya because we ourselves were fed up with complicated language, intransparent contracts and paperwork. You can really get covered with us in just a few minutes, view your documents online 24/7 and cancel at any time. Convince yourself!


Check out our terms & conditions

What is covered?

Insured are the contents of your flat.These include all things in the household serving private use (usage or consumption). These also include for example:

  • Furniture, carpets, clothing;
  • Electrical and electronic appliances (e.g. washing machine, TV set, computer);
  • Antennas and blinds belonging to your flat;
  • Cash and other valuables (e. g. jewellery) in limited amounts.

Sum Insured and Insured Value

  • The sum insured is the agreed amount, which should correspond to the insured value. If this is not the case, disadvantages can arise in the calculation of the compensation.

Insured Costs

Covered by the insurance are the necessary and actual costs incurred as a result of an insured event, such as

  • Hotel-, transport- and storage costs;
  • Costs for provisional measures;
  • Guarding costs;
  • Costs for changing locks;
  • Repair costs for damages to the building;
  • Repair costs for damages due to moisture;
  • Clearing, movement and protection costs;
  • Damage averting and damage reducing costs;
  • Additional costs according to your insurance conditions.

Insured Losses

  • Material damage or loss of the insured property as a result of an insured event.

Insured Risks

  • Fire, lightning (including surge damages), explosion, deflagration, implosion, impact of vehicles, supersonic pressure waves, civil unrest, strikes, lockouts;
  • Burglary, robbery, vandalism after a burglary, as well as damage caused by an attempted burglary or robbery;
  • Tap water;
  • Natural hazards such as storm, hail;
  • Bike theft (if agreed upon);
  • Glass breakage (if agreed upon).

What is not covered?

Not covered items are for example:

  • Things brought in by the building owner, for which the owner bears the risk;
  • Motor vehicles of all kinds and trailers;
  • Aircrafts and watercrafts.

Are there any cover restrictions?

There are a number of cases, in which the insurance coverage may be limited. Events always excluded from the insurance coverage are:

  • War;
  • Nuclear energy;
  • Wet and dry rot;
  • Storm surge, flooding, backwater, groundwater, earthquake, ground subsidence, landslide, snow pressure, avalanches or volcanic eruption;
  • Intentionally caused damage.

*Please note the conditions for redeeming the tex—lock discount code:

Valid for purchases made until 31.12.2020. Only valid for one purchase per person. The discount code applies to all products in the tex—lock online shop. The discount code is applied to the total amount of the order. The maximum discount amount is €150. A cash payment is not possible. If you have any questions please contact tex—lock's customer service under +49 341 550193 00 or support@tex-lock.com.

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