Household insurance protects your home contents from damage by fire, water, burglary and more. In Austria, it is usually combined with private liability insurance - comprehensive protection for you and your family.
What is covered?
Fire
Fire, lightning, explosion
Water Damage
Pipe burst, water damage
Storm & Hail
Weather damage to contents
Burglary
Theft and vandalism
Glass Breakage
Windows, mirrors, cooktop
Power Surge
Lightning, electrical damage
Liability Insurance Included
Family Coverage
Protection for all household members
Small Pets
Cats, rabbits automatically covered
Rental Damage
Damage to rented property
Professional Liability
For minor negligence at work
Example Prices (70m² Rental Apartment, Vienna)
Price Factors
| Factor | Effect |
|---|---|
| Living Space | More m² = higher premium |
| Security Features | Alarm, security door = discount |
| Deductible | Higher deductible = lower premium |
| Location | Cities usually more expensive |
Important Tips
Estimate value correctly
Underestimation leads to underinsurance
3-year rule
Annual cancellation option after 3 years
Cancel before moving
Otherwise automatic transfer to new address
Compare regularly
Check offers every 3 years
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Frequently Asked Questions About Household Insurance
What is the difference between household and home insurance?
Household insurance protects your movable items (furniture, electronics, clothing). Home insurance covers the building itself. As a renter, you only need household insurance.
Is personal liability included in household insurance?
Yes, in Austria personal liability is included as standard in household insurance. It covers damages you cause to other people.
How much does household insurance cost in Austria?
For a 70m² apartment in Vienna, expect about €6-15 per month depending on coverage. Larger apartments and premium plans are correspondingly more expensive.
Are pets covered by household insurance?
Small pets like cats, rabbits or hamsters are automatically covered by the personal liability component. Dogs require a separate dog owner liability insurance.
Can I cancel household insurance when moving?
Yes, you have a special cancellation right when moving. Important: Cancel BEFORE moving, otherwise the insurance is automatically transferred to the new address.
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Compare at durchblicker.atPrices depend on living space, features and location. As of: December 2025.