Cover everything that makes a house your home.

From € 1.79/month

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24/7 emergency service
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zero paper

These things are covered.

Imagine your home has been turned upside down: Almost everything flying out (like furniture, clothes & electronics) is covered.

In case of these events

Fire
Water Damage
Storm & Hail
Burglary & Theft

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your basic plan!

Plus

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

Premium

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
guaranteed

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

Choose add-ons based on your needs!

Gross Negligence

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

Bicycle

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.

Bicycle

Like to park your bike around town? This add-on covers you up to € 1,000.

Learn More

Gross Negligence

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

Learn More
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How it works

Unlearn old insurance habits and meet your new features!

Everything in one place – your Coya dashboard

Easily access your active policies and change them on the fly. According to your real life's needs.

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Claim easily online within seconds

Loss and damage suck, we can't sugarcoat it. That's why we are there for you in times of need and turn claiming from ugh! to wow!

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Why our Coya Community
loves us

Ole

„As promised, cheap, stress free and simple.“

5/5

Sandra

„Great insurance, with a good customer service that answered all my questions.“

5/5

Anja Christine

„My damage was fixed really easily. Thank you Coya!“

5/5

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)

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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!

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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.

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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!

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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.

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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!

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Are you a hard fact kinda person?
Check our Terms & Conditions

Terms & Conditions BASIC (PDF, 0.5 mb)
Terms & Conditions PLUS (PDF, 0.5 mb)

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Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem. Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt.Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem. Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt.

Lorem Ipsum dies das Ananas H4

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem. Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt.Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem. Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt.

Terms & Conditions PREMIUM (PDF, 0.5 mb)