Household contents insurance when living together without a cohabitation agreement

This is not mandatory, but it is sometimes wise. By taking out new insurance, you can be sure that your joint household contents are properly insured and that there is no uncertainty about coverage in the event of any debts or damage.

In most cases, yes. It is important that the insured amount is high enough and that the policy does not contain any restrictions for cohabiting partners.

Yes, when your partner moves in with you, your living situation changes. This may increase the value of your household contents and other possessions. It is therefore wise to contact your insurer to check whether your current coverage is still adequate.

The notice period for home contents insurance can vary depending on the insurer. In some cases, you can cancel the insurance immediately, while other insurers require a one-month notice period.

Check whether the insurance policy you are keeping or taking out provides sufficient coverage for all your household contents and what the insurer will pay out in the event of damage.

When a couple separates, the insurance must be adjusted or terminated. In most cases, the insurance is continued by the partner who continues to live at the address in question.

No, that makes no difference. The tax authorities consider whether you are fiscal partners for tax purposes, but that is separate from home contents insurance. The insurance only looks at who lives at the address and whether you form a single household.

No, a registered partnership does not in itself make any difference to home contents insurance. The most important factors for coverage are who is named on the policy and who lives at the address.

In the event of death, a registered partnership can influence the settlement of the estate. In that case, it is legally clearer who is entitled to the household effects and who is considered to be the legal heirs. However, this is separate from the insurance itself.