Property & Living Insurance
Protect your home and belongings from fire, theft, water damage, and more. Whether you rent or own, safeguard everything you've worked hard for.
Protect Your HomeComprehensive Protection for Your Home
Your home contains everything you've accumulated over years — furniture, electronics, clothes, personal items. A single fire, burglary, or pipe burst could destroy it all. Property and living insurance ensures you can rebuild your life without devastating financial loss.
Household Contents Insurance
Covers all your personal belongings inside your home. Essential for renters and homeowners alike — protects everything from furniture to electronics to clothing.
What's Covered
- Fire, lightning, and explosion damage
- Theft and burglary (including bicycles)
- Water damage (pipes, washing machines, etc.)
- Storm and hail damage
- Glass breakage (windows, mirrors, glass tables)
- Vandalism and malicious damage
Optional Add-Ons
- Bicycle theft outside home
- Electronics coverage (accidental damage)
- Valuables coverage (jewelry, art, collections)
- Garden furniture and equipment
Building Insurance
For property owners only. Covers the physical structure of your building — walls, roof, windows, built-in fixtures. Mandatory if you have a mortgage.
What's Covered
- Structural damage from fire, water, storm
- Roof damage and leaks
- Built-in fixtures (kitchen, bathroom, heating)
- Outbuildings (garage, shed, garden house)
- Glass elements (windows, skylights)
- Cost of debris removal and demolition
Rental Apartment Coverage
Special coverage for renters. Protects you from costs if you damage the apartment and lose your deposit, or face claims from your landlord.
What's Covered
- Damage to rented property (walls, floors, fixtures)
- Lost or damaged keys (rekeying entire building)
- Glass damage in rented apartment
- Water damage you cause to the building
Why Choose Spectrum International?
Accurate Valuation
We help you calculate the right coverage amount — not too little, not too much.
Bundle Savings
Combine household contents with liability insurance for 10-20% discount.
Claim Assistance
We guide you through claims and help get maximum compensation.
Regular Updates
We adjust your coverage as your life changes (new furniture, renovations, etc.).
Important to Know
Calculate coverage based on living space: roughly €650 per square meter
Document your belongings with photos and receipts for easier claims
Report burglaries to police within 24 hours for insurance to be valid
Underinsurance clause: If you're underinsured, you only get partial payout
Moving? Update your policy within 2 months to maintain full coverage
Landlords cannot force you to buy from specific insurer
Real Protection Scenarios
Apartment Fire
A neighbor's electrical fire spreads to your apartment. Everything you own is destroyed. Replacement value: €45,000. Insurance covers full replacement of all belongings.
Burglary While on Vacation
Thieves break in and steal electronics, jewelry, and cash worth €12,000. Insurance covers replacement plus €500 for lock replacement.
Pipe Burst Damage
A pipe bursts while you're at work, flooding your apartment and destroying furniture, carpets, and electronics worth €18,000. Fully covered.
Lost Building Keys
You lose your apartment building keys. Landlord must rekey entire building: €4,500. With rental coverage, insurance pays the full amount.
Protect Your Home Today
Don't risk losing everything you've worked for. Get comprehensive coverage at affordable rates.