Base cover
The classic risks
The core of any household contents policy: damage from the most common causes is covered, at replacement value.
- Fire, lightning and explosion
- Tap water, burst pipes
- Storm, hail and burglary
← Property & liability insurance · Household contents insurance
Property & liability insurance · Household contents Optimal XXL
Your home is full of value. Protect it properly.
Furniture, tech, bikes, valuables: a home holds more than most people think. If there's a fire, a water leak or a break-in, Generali's Optimal XXL household contents insurance replaces your belongings at replacement value. With all-risk cover, even when the mishap is your own. Planned personally with you.
Generali product partner
Replacement value, no underinsurance
Optimal XXL all-risk
01 · The risk
If it's all under water tomorrow, you carry it alone.
A burst pipe, an electrical fire, a break-in overnight: the most expensive damage in your own home rarely announces itself. Without household contents insurance you have to replace furniture, appliances and tech out of your own pocket, often all at once.
Replacement value
is what Generali pays out in the Optimal variant, without limit. Thanks to the living-space model, there's no underinsurance risk.
100 €
deductible is all you keep with Optimal XXL all-risk cover. While you're out and about it drops away entirely.
worldwide
your bike is insured against theft, around the clock and with no cap on the amount.
Important: in the Optimal variant, Generali waives any reduction for gross negligence and pays 100 percent. Even if a candle was left unattended once.
02 · The benefits
Strong protection, from the foundation to the extras.
Generali's household contents insurance covers the classic risks and tailors precisely to your life. You choose what fits your home and your belongings.
Optimal XXL
The all-risk cover
Everything is insured that isn't excluded. Including the mishap that simply happens.
- Your own clumsiness, phone on the pavement
- Losing your watch, vandalism
- Deductible only 100 €, drops away while out and about
Bike & e-bike
Mobile and covered
Whether road bike, cargo bike or pedelec: your bike is protected against theft, wherever you are.
- Theft worldwide, around the clock
- E-bikes and pedelecs up to 250 W and 25 km/h included
- With Fahrrad Plus, all-risk cover too
Valuables
Jewelry, cash, precious metal
If you own something valuable, you want it properly covered, even away from your own four walls.
- Valuables in total up to 50.000 €
- Cash up to 3.000 €
- Cover away from home for up to 12 months
Optional add-on
Natural hazards cover
Heavy rain and flooding are on the rise. The natural hazards module covers risks that base cover does not include.
- Flooding and heavy rain
- Backflow from the sewer system
- Earthquake, snow load and avalanches
Included
Assistance packages at no extra premium
In the Optimal variant, strong assistance services come as standard, at no extra cost.
- Home and apartment assistance package up to 500 €
- Account and finance assistance package up to 10.000 €/year
- Protection against card misuse and fake online shops
03 · Claim examples
What it really means when it counts.
Illustrative claim scenarios. They show what you'd have to cover yourself without protection, and how Generali steps in for the same case.
Tap water
Burst pipe soaks parquet and furniture
Damaged parquet and furnituretotal loss
Without contents cover you payeverything yourself
With Generalireplaced at replacement value
Theft
Bike stolen at night outside the café
High-value bike, securely lockedgone
Without contents cover you payeverything yourself
With Generalireplaced worldwide
Optimal XXL
Smartphone drops on the pavement
Cracked display, device brokenbroken
Without all-risk cover you payeverything yourself
With Optimal XXLjust 100 € deductible
Burglary
Break-in while on vacation
Tech, jewelry and cash stolenstolen
Without contents cover you payeverything yourself
With Generalireplaced at replacement value
04 · Optimal XXL
Almost everything is insured. Even the mishap.
All-risk cover instead of long lists
Traditional household contents policies only pay for specifically named risks. Optimal XXL flips the principle around: everything is insured that isn't expressly excluded. Even if you drop your phone, the vase breaks or your watch goes missing.
This benefit is also part of Generali's Vermögenssicherungspolice (all-in-one property & liability policy), which bundles several lines of cover into one contract and, depending on the modules, earns up to 25 % customer bonus.
- Your own clumsiness is included
- Deductible only 100 €, drops away while out and about
- Away from the insured location up to 20.000 €
- No reduction for gross negligence
05 · Who it's for
When household contents cover pays off most.
Families and renters
In a household with children, a lot adds up fast. A water or fire loss then hits the entire furnishing at once, and replacement-value cover catches that.
Owners with valuables
If you own jewelry, tech or precious metal, you need suitable sublimits and cover on the move too. Optimal insures valuables up to 50.000 €.
Career starters
Your first own place is the first where you're liable yourself. Cover early and the premium is low, with protection there from the start.
06 · Common questions
Explained simply, no fine print.
How high does the sum insured need to be?
With Generali's living-space model, your contents are insured at a flat rate per square meter of living space, not via a fixed sum. That way there's no underinsurance risk: your contents are insured at replacement value and without limit, no matter how much accumulates over the years.
What is Optimal XXL?
Optimal XXL is an all-risk cover: everything is insured that isn't expressly excluded, including your own clumsiness such as a dropped smartphone, a broken vase or a lost watch. The deductible is only 100 € and drops away while you're out and about.
Are bikes and e-bikes included?
Yes. In the Optimal variant, bikes and e-bikes are insured against theft worldwide and around the clock, with no cap on the amount. Pedelecs up to 250 W and 25 km/h count as bicycles. With the Fahrrad Plus module you add all-risk cover.
Do you pay in cases of gross negligence?
Yes. In the Optimal variant, Generali waives any reduction for gross negligence and pays 100 percent. This applies, for example, if a burning candle was left unattended or the front door wasn't locked.
What does it cost?
The premium depends on your living space, where you live, the modules you choose and the deductible, so there's no flat figure. In a free initial consultation we work out your personal protection and see which modules really fit you.
Your next step
Which protection fits your home?
We calmly go through your living situation and put together exactly the modules you really need. Free of charge, without obligation, in person in Lüdenscheid or via video.
Example benefits and claims scenarios (as of 2026), simplified and rounded. Solely the insurance terms and tariffs of Generali Deutschland Versicherung AG are authoritative. Your specific coverage is defined by your insurance policy. Eduard Strekert is a financial advisor for Deutsche Vermögensberatung AG (DVAG), tied agent, and acts as an insurance intermediary under Sec. 34d GewO (German Trade Regulation). This page is non-binding information and does not replace individual advice.