Overview
These policies look simple but often hide important limits: underinsured contents, theft away from home missing, bicycles not covered, high deductibles or legal protection that does not match your needs.
What I check
- Household contents and correct insured sum
- Theft away from home and personal belongings
- Private liability for damage to third parties
- Bicycles, e-bikes and valuables
- Private, employment and traffic legal protection
When it is useful
- You moved or bought new items
- You have bicycles, e-bikes or expensive devices
- You rent and want protection for damages
- Your policy is old and never reviewed
- You want to understand exclusions and limits
Useful documents to prepare
- Current household/liability policy
- Approximate value of belongings
- Receipts or values for bicycles/e-bikes and important items
- Rental contract if relevant
- Existing legal protection policies
When changing may not be necessary
If sums, deductibles and coverage match your current situation, adding unnecessary options is not useful.