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Product Overview

Home Contents Insurance – ONE

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ONE is a fully digital German insurance provider that allows you to fully manage your home contents insurance from their website and smartphone app. ONE is reinsured by Munich Re. 

You can apply for one insurance in English using the link below.

The Key Benefits of a ONE home contents insurance: 

  • No paperwork, fully digital insurance
  • Straightforward claims are settled in about 3 minutes
  • Belongings are insured while you travel
  • Reinsured by Munich Re
  • Cancel your contract on a monthly basis

ONE Insurance – What is covered with ONE: 

The insured sum ranges from 39,000 € to 180,000 €. If you choose to increase the insured sum then the monthly payment will also increase.

Outdoor coverage is determined by the plan you choose.

The household valuables insured sum ranges from 7,800 € to 15,600 €. The monthly payment will change based on the sum of your household valuables.

Coverage for your bike is already provided in your home contents insurance. If you would like to add coverage for when your bike is not at home, then you can add this coverage. The insured sum for this additional bike coverage add-on ranges from 0 – 5,000 €. 

The deductible amount is flexible. You have the option to choose your preferred deductible amount of 0, 150, 300, or 500 €. Keep in mind that the deductible you choose will affect the amount of your monthly payment. 

 

The Key Benefits of a ONE home contents insurance: 

  • No paperwork, fully digital insurance
  • Get insurance and file claims from website and smartphone app
  • Reviews initial application in a few seconds
  • Straightforward claims are settled in about 3 minutes
  • Full access to all insurance documents from the personal document center 
  • Automatically gain access to ONECoach, a predictive risk coaching program
  • Belongings are insured while you travel
  • Automatically notify ONE of your travels by enabling Geo Triggering in location settings
  • Meets the requirements of the European Solvency II Directive and the Liechtenstein Insurance Supervision Act 
  • Reinsured by Munich Re
  • Cancel your contract on a monthly basis

 

Compact

  • Insured sum is automatically set at 39,00 €
  • Outdoor coverage is 3,900 €
  • You have the option to upgrade add-ons and adjust insured sum, household valuables, bike coverage, and deductible amount

 

Comfort 

  • Insured sum is automatically set at 39,00 €
  • Outdoor coverage is 11,700 €
  • Glass and elemental coverage is automatically included
  • You have the option to adjust insured sum, household valuables, bike coverage, and deductible amount

 

Comfort+

  • Insured sum is automatically set at 39,00 €
  • Outdoor coverage is 15,600 €
  • Glass and elemental coverage is automatically included
  • You have the option to adjust insured sum, household valuables, bike coverage, and deductible amount

 

Add-Ons:

 

Mobility:

 

The mobility coverage add-on allows you to purchase extra coverage to protect yourself in the case that you are robbed outside of your home. 

 

Glass Coverage:

 

The glass coverage add-on allows you to insure damages to glass. With this coverage items such as windows, doors, and glass-ceramic cooking tops will be covered. 

 

Elemental Coverage:

 

The elemental coverage add-on allows you to insure your home in case of an extreme natural disaster. With this coverage, your home will be insured during events such as flooding, landslides, and avalanches

 

How to get your ONE insurance: 

    1. Go to the ONE Insurance website
    2. Go to “calculate price”
    3. First, they ask for your address
    4. Then you will proceed by answering the following questions: 
      • How many square meters is your home?
      • What is your phone number in case we need to contact you? 
      • Who should be covered by your ONE policy? Yourself, partner, child(ren)?
      • What is your birth date? 
      • Did you have any insurance for your household or private liability during the last 5 years? 
      • Did your previous household or private liability insurance cancel any of your policies?
      • How many claims were covered by your household and/or personal liabilities insurance(s) during the last 5 years? 
    5. Next, you will immediately see what insurance options they’ve compiled for you based on the information you provided. At this point, you can compare coverage options side by side. They will offer three ranges of insurance coverage: Compact, Comfort, and Comfort+. From these options, you can customize your coverage based on add-ons, the deductible, and the value of items covered. Your monthly payment will be determined by the range of your coverage.

Example:

example of household insurance ONE

 

Compare and review other home contents insurances in our overview page

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