Zurich Hausrat: Modular home contents cover for German households

Zurich Hausrat is Zurich Insurance Group AG's modular home contents insurance for private customers in Germany, covering belongings against risks such as fire, water damage, burglary, and vandalism with configurable add-ons and individual online pricing.

Responsible: ad hoc news Classics & Long-sellers Desk. Reviewed prior to publication on June 14, 2026 at 12:56:21 PM ET. Details in the imprint.

Zurich Hausrat is the dedicated home contents insurance product offered by Zurich Insurance Group AG for private households in Germany, designed to protect movable belongings such as furniture, electronics, and clothing against a defined set of everyday risks. With this policy, Zurich targets renters and homeowners who want to safeguard the contents of their homes against events including fire, tap-water leaks, storm and hail, burglary, robbery, and vandalism following a break-in, subject to policy terms and coverage limits. The product is marketed as a modular solution that can be tailored via optional add-ons for higher value items and specific additional risks, rather than a one-size-fits-all policy. Pricing is not based on a fixed list premium; instead, customers receive an individualized quote through Zurich's online calculator after entering details such as postal code, size of the home, and desired sum insured.

What Zurich Hausrat covers and how the modular design works

At its core, Zurich Hausrat functions as a classic home contents insurance policy, meaning it covers the movable property inside a residence rather than the building itself. This includes typical household items such as living room and bedroom furniture, kitchen equipment, consumer electronics, clothing, and many small personal belongings that would be financially burdensome to replace all at once after a major loss. According to Zurich's German-language product information on its home contents pages, covered perils commonly include fire and fire-related damage, damage from tap-water leaks, storm and hail events, as well as losses caused by burglary, robbery, and vandalism committed in connection with a break-in. The exact scope of protection depends on the chosen tariff and any optional modules a customer adds to the base cover.

One of the distinguishing elements of Zurich Hausrat is its modular structure, which allows customers to build protection around their individual risk profile instead of paying for every possible extra by default. In practice, this can mean starting with a standard package that covers the typical household risks and then adding extensions for certain categories of valuables, such as jewelry, high-end consumer electronics, or collections that might exceed a standard sum insured. Further optional modules may address special circumstances like coverage for bicycles, expanded protection against natural hazards beyond standard storm and hail, or coverage for items temporarily outside the insured home, depending on the tariff design in the German market. This approach is intended to give policyholders greater control over the balance between premium level and scope of cover, while keeping the product understandable for non-specialists.

The application and pricing process for Zurich Hausrat is structured to generate individual offers rather than a flat advertised price. Instead of listing a single MSRP-type premium, Zurich guides prospective customers through an online quote journey in which they enter key parameters, including the address or postal code of the property, the approximate living area, household composition, and the desired insurance sum or coverage tier. Using this information, Zurich calculates a premium that reflects not only the size and location of the home but also the policyholder's selected modules and any applicable deductibles. Because of this tailored pricing model, Zurich does not publish uniform US dollar prices for the product, and any conversion for international readers is only indicative; the contract itself and all pricing remain based on euro amounts in the German market. For US-based observers, the key takeaway is that Zurich Hausrat behaves more like a configurable insurance platform than a fixed-price consumer good.

Zurich positions Hausrat as an established product in its German portfolio rather than a brand-new launch, making it part of the insurer's long-running line-up for private customers. The home contents cover sits alongside other retail offerings such as personal liability and residential building insurance, providing cross-selling potential when customers bundle multiple policies through one insurer. Although Zurich has not publicly highlighted a specific initial launch date for Hausrat, the product is described as a long-standing core component of the property insurance range for private households. This classic status can appeal to consumers who value a track record in claims handling and product stability when choosing an insurer for everyday risks. At the same time, the modular elements give Zurich room to adapt individual modules or pricing factors over time without fundamentally changing the overall product concept.

From a distribution perspective, Zurich Hausrat is offered primarily to private customers in Germany, with sales channels that include Zurich's own website, tied agents, and independent partner brokers. Prospective customers can initiate the process online, where Zurich provides information about coverage features and leads users into the quote tool, or they can discuss options with an advisor who can recommend suitable modules based on the value of the household contents and the customer's risk tolerance. For customers already insured with Zurich in other lines, such as motor or liability, Hausrat can be positioned as a complementary product that rounds out household risk protection. While the product is focused on the German market, international readers can access background on Zurich's retail offerings via the broader corporate site at https://www.zurich.de/.

For US consumers observing the product from abroad, Zurich Hausrat provides an example of how a European insurer structures home contents coverage as a standalone modular contract. In many US states, coverage for contents is often bundled within a homeowners policy, whereas Zurich's approach in Germany distinguishes clearly between building insurance and contents insurance, allowing renters who do not own the property to insure their belongings independently of the building owner. Consumers watching the product should be aware that the policy wording, limitations, and regulatory framework are specific to Germany, and any potential purchaser would need to reside there and meet Zurich's local eligibility criteria. Still, the way Zurich emphasizes configurable modules, digital quoting, and integration with advisory channels may be relevant for US policyholders evaluating how global insurers design property products for retail customers.

Zurich Hausrat plays a role as a core property insurance offering for Zurich Insurance Group AG's German retail franchise, contributing to the breadth of its personal lines business in that market. Shares of Zurich Insurance Group AG (CH0011075394, ticker ZURVY) traded at $53.75 on OTC markets in the United States on June 12, 2026.

Zurich Hausrat at a glance

• Product: Zurich Hausrat
• Manufacturer: Zurich Insurance Group AG
• Category: Classic long-seller home contents insurance
• Launch date: Not publicly specified; established product line in the German market
• MSRP / Price: Premium varies by location, sum insured, and selected modules; individual quote via Zurich's online calculator, no single list price published
• Availability: Offered to private customers primarily in Germany via Zurich's website, Zurich agents, and partner brokers
• Target audience: Private households, including renters and homeowners, seeking protection for household belongings
• Key feature / USP: Modular, configurable home contents coverage with optional add-ons for valuables and additional risks

This article was created with a.i. assistance and editorially reviewed. Product information is provided without warranty; prices and availability may change at any time. Not investment advice, not a buy or sell recommendation. Trading in securities carries risks up to the total loss of capital.