All the items which are used by you and members of your household, like: ‍

* Furniture, carpets, clothing

* Electronic devices (Laptop, stereo, cell phone) * Kitchen devices

* Aerials and marquees which are a fixed part of the apartment

* High-value objects, like cash and jewelry up to 10k * Pets (like dogs, cats or birds)

Limited to: Everything lose in your home. So steady things like walls and floors are not covered. Or these things: ‍

* Objects that are not in a space protected by a locked door (eg. garden furniture, stuff on the balcony)

* Objects that are temporarily in another confined space (apartment, hotel, locker) are covered only with an additional booster

Base protection (Criteria used by Stiftung Warentest)

Personal and property damage Cover guarantee matching GDV (German Insurance Association) sample terms

Damages to borrowed and hired property

Protection against uninsured third parties

Keys to a rental property Profession-related keys (e.g. school)

For renters: Rented rooms (Rented property damage)

For homeowners: Single family house or flat, personal use

For landlords: Letting a flat Pro bono activities Football, cycling, skiing and more sports Flying drones (steering motorised model aircraft) Damages through internet use (Europe)

from €4.99 per month

The ONE private third-party liability insurance protects you against all risks arising from statutory liability and your private environment.

If a damage event occurs, personal injury, property and financial damage are insured up to an amount of 10, 25, or 50 million euros – depending on the tariff.

Neither your occupational activities nor damage caused by motor vehicles, e.g. your car, are covered; you must conclude separate insurance policies for these.

Damage which you cause as the owner of a dog or horse are also excluded from insurance cover; these also require separate insurance.

You can choose which people are co-insured with you when you conclude the insurance policy using the ONE app.

Insurance always covers you, as well as any au-pairs and exchange students living in your home (for up to one year), any people employed in your household and any single parents or grandparents. If you like, you can also include your children and your partner in the insurance as co-insureds.

Private liability damages Borrowed or rented items

Loss of receivables if the person who damaged does not have insurance

Damages during voluntary work Lost keys (from a third party)

Damages in your apartment Family members, life partner, spouse and children Coverage in Europe – all time World-wide – 5 years