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.
A fire at home has damaged some of your clothes, furniture, and electronics for the worth of €20,000. In cases like these you are insured by us.
A defect in your washing machine will cause tap water to leak out and damage nearby furniture worth €2,000. Don't worry, we will protect you from the financial consequences.
During a storm, flying branches destroy your living room window. Your beloved home cinema worth €1,000 is destroyed by rainwater. But don't be too upset, we will make sure you can get a new one soon.
Burglars enter your home and steal jewellery, your laptop and your TV. The damage amounts to €5,000. But luckily with us you're insured against this. On holidays, criminals threaten and rob you. They steal your money, your digital camera and your mobile phone that sums up to a total value of €2,000.
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
guaranteed
Up to 100% of your coverage for your belongings outside your home
Add useful extras on top of your home contents plan to enhance the coverage even more.
Buying insurance is easy! Simply click get offer and enter in some basic information. We will prepare your personalised offer right away that you can purchase immediately on your device. No need for any paperwork or to wait for any approvals. The next time you purchase an insurance policy with Coya, it becomes even easier. We save all your personal details to your account to make the process as streamline as possible.
You will never be locked into a fixed contract at Coya. We understand that circumstances can change and therefore enable you to cancel your plan at any time with a few simple clicks. You will get refunded to the exact day you cancel.
You can access your personal dashboard to view, edit and claim on your policies from any connected device. Our insurance offers global coverage when applicable to make sure you are protected wherever you are. If you have any specific coverage questions, feel free to check our T&Cs or get in touch for more info.
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)
View, edit or claim on your policy whenever or wherever you are.
Simply adjust your policy coverage anytime to suit your new reality.
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.
Our insurance covers all the items which are used or consumed by the members of your household:
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!
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.
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!
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.
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!
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:
Sum Insured and Insured Value
Insured Costs
Covered by the insurance are the necessary and actual costs incurred as a result of an insured event, such as
Insured Losses
Insured Risks
Not covered items are for example:
There are a number of cases, in which the insurance coverage may be limited. Events always excluded from the insurance coverage are:
Download the full version of our terms and conditions:
