When you get a replacement when you get theft

Outside protection makes it possible

Stolen on vacation? When does household insurance pay

Regardless of whether burglary, fire or water damage: if inventory is harmed of your own apartment, the household insurance provides replacement. Also when traveling?

Fear of electronic devices or valuables on vacation? If you are stolen something in the hotel or a rented holiday accommodation, you can build on the protection of your household insurance.

Because as part of the outdoor insurance, the policy also provides if objects are temporarily outside of their own four walls. This is indicated by the overall association of the German Insurance Industry (GDV).

However, the prerequisite is that the stolen things were deposited in a closed room or in a container in the room. In the event of theft from a locked locker on the beach or in the outdoor pool, the insurance comes for the damage. However, if the cell phone is stolen from the backpack or from the sun towel, those affected look into the tube.

If the insurance collapses, it generally compensates for the replacement to the new value. However, the maximum compensation varies according to GDV. Depending on the contract, it can be capped on a fixed percentage of the insurance sum.

Attention camping fans: Camping mobile and caravans are not considered a separate space in the legal sense. Therefore, the outdoor insurance does not apply here if something is stolen from it.

According to the GDV, there are special camping insurance for permanent campers. You can secure the objects in the motorhome and sometimes also the awning.