Life can be unpredictable sometimes. And when it is, the last thing you want is an insurance that causes more problems. That's why we offer an experience that is simple, transparent and that caters to your actual needs. Our fully digital plans have no deductibles, and you can cancel any day. Though we can never replace the emotional value of your belongings when sh*t hits the fan, we can help alleviate the financial pain and help you live a little more carefree.
Home Contents Insurance
made for you.
Flexible and personal
We know that life can have its ways sometimes. That's why we offer flexible contracts that you can adapt to your current situation, and, without any particular reason or further ado can cancel any day.
Imagine somebody took your home, and shook it upside down. What would come flying out?
Our Home Contents Insurance covers everything from furniture and clothes, electronics and kitchen devices, valuables, bikes, to sporting gear and even your aquarium. Note that whether you live alone, with your partner or family, the contents of all members registered in the space are insured in your contract. However, flatmates in a flat share are only covered if ALL members of the place are registered as main residents!
In what cases
am I insured?
Someone broke in and stole your laptop? Or you come home and your kitchen is under water? Don't worry, you're not alone. Coya Home Contents Insurance kicks in when sh*t hits the fan for any of the following events.
How can I get insured?
As a BaFin licensed company, we operate as a fully trustworthy insurance company. Besides complying with all German regulations, we are also members of the GDV (Gesamtverband der Deutschen Versicherungswirtschaft e.V.)
Digital and affordable
Coya runs entirely digital. This means that you can access your information anytime from your smartphone or other device and can be entirely free from paperwork in folders at home.
Safe and reliable
Completely digital, cancel any day.
From 1,79 Euro per month.
What is insured?
Electronics
Furniture
Clothes
Valuables
Fire & Lightening
Storm & Hail
Theft & Burglary
Water Damage From Pipes
Fill out the simple Coya Home Contents Insurance form online and see a personalized offer that shows what your monthly payment would be.
There when you need it, without the hassle.
Welcome to your digital insurance.
Basic
Choose a plan
that fits your needs.
A great start for those with a minimalist home, but who still want coverage for their belongings against the basic risks. Together with the add-on for 'gross negligence' this plan is the perfect foundation.
+ Incl. 24/7 emergency service
+ Guaranteed a good deal
+ Covers valuables to up to 20% of your coverage
Plus
Definitely our best deal. Besides covering every risk mentioned in 'Basic', this plan additionally covers you against theft of bags and online-fraud (phishing) up to 1,000 €.
+ Fees waiver if you become unemployed
+ Covers costs for psychological help in case of a damage
+ Valuables are covered up to 40% of your coverage
Premium
Get premium level coverage. This plan offers everything that our 'Plus' plan does, with an additional performance guarantee among other things. This means that if you find a better deal with another insurer, we will always make sure to offer you the same - whether it's in our contract or not.
+ Theft of bags up to 5,000 €
+ Valuables up to 100 % of your coverage
Customize your plan with our add-ons.
This add-on with a funny name is actually pretty important. Why? Because it makes sure that if an incident is a result of human error and could have been avoided by you (forgetting candles, leaving on the stove) you still get 100% of your coverage (versus 10% for any regular plan).
Gross negligence
Bike
Not going anywhere without your beloved bike? For people like you, we have the bike add-on that insures the purchase value of your bike (up to 1,000 Euro*) worldwide 24/7 if it gets stolen. This includes accessories that are tightly screwed on, like bike lamps.
Convinced?
Get Home Contents Insurance in less than 2 minutes.
The story behind Coya.
When one of our founders caught dengue fever several years ago on a trip abroad, he made an experience that would change the course of his life.
Despite searching through numerous emails, he found himself stranded and unable to access any of the insurance documents he so desperately needed in that moment. The reason, was quite simple: his documents were stuck away in a paper folder in Germany. Puzzled and frustrated, the situation made him aware of a problem he became determined to solve...
Take two minutes,
and get a Coya offer.
No deductible | No paper | No fixed contracts
Annett
"Fantastic customer service- they really take the time for you and are super friendly."
Manuela
"The terms and conditions are understandable, even if you're not an insurance geek. This is definitely a real pro compared to other insurances!
Ole
"As promised, this insurance is affordable, easy and caused me little stress".
What our customers say
Home Contents Insurance
made for you.
Completely digital, cancel any day.
From 1,79 Euro per month.
Life can be unpredictable sometimes. And when it is, the last thing you want is an insurance that causes more problems. That's why we offer an experience that is simple, transparent and that caters to your actual needs. Our fully digital plans have no deductibles, and you can cancel any day. Though we can never replace the emotional value of your belongings when sh*t hits the fan, we can help alleviate the financial pain and help you live a little more carefree.
There when you need it, without the hassle.
Welcome to your digital insurance.
Flexible and personal
We know that life can have its ways sometimes. That's why we offer flexible contracts that you can adapt to your current situation, and, without any particular reason or further ado can cancel any day.
As a BaFin licensed company, we operate as a fully trustworthy insurance company. Besides complying with all German regulations, we are also members of the GDV (Gesamtverband der Deutschen Versicherungswirtschaft e.V.)
Digital and affordable
Coya runs entirely digital. This means that you can access your information anytime from your smartphone or other device and can be entirely free from paperwork in folders at home.
Safe and reliable
Why Coya?
Take two minutes,
and get a Coya offer.
No deductible | No paper | No fixed contracts
Imagine somebody took your home, and shook it upside down. What would come flying out?
Our Home Contents Insurance covers everything from furniture and clothes, electronics and kitchen devices, valuables, bikes, to sporting gear and even your aquarium. Note that whether you live alone, with your partner or family, the contents of all members registered in the space are insured in your contract. However, flatmates in a flat share are only covered if ALL members of the place are registered as main residents!
What is insured?
Electronics & Household Devices
Clothes & Accessories
Valuables & Cash
In what cases
am I insured?
Someone broke in and stole your laptop? Or you come home and your kitchen is under water? Don't worry, you're not alone. Coya Home Contents Insurance kicks in when sh*t hits the fan for any of the following events.
Fire & Lightening
Storm & Hail
Theft & Burglary
Water Damage
Basic
Choose a plan
that fits your needs.
A great start for those with a minimalist home, but who still want coverage for their belongings against the basic risks. Together with the add-on for 'gross negligence' this plan is the perfect foundation.
+ Incl. 24/7 emergency service
+ Guaranteed a good deal
+ Covers valuables to up to 20% of your coverage
Plus
Definitely our best deal. Besides covering every risk mentioned in 'Basic', this plan additionally covers you against theft of bags and online-fraud (phishing) up to 1,000 €.
+ Fees waiver if you become unemployed
+ Covers costs for psychological help in case of a damage
+ Valuables are covered up to 40% of your coverage
Premium
Get premium level coverage. This plan offers everything that our 'Plus' plan does, with an additional performance guarantee among other things. This means that if you find a better deal with another insurer, we will always make sure to offer you the same - whether it's in our contract or not.
+ Theft of bags up to 5,000 €
+ Valuables up to 100 % of your coverage
Customize your plan with our add-ons
This add-on with a funny name is actually pretty important. Why? Because it makes sure that if an incident is a result of human error and could have been avoided by you (forgetting candles, leaving on the stove) you still get 100% of your coverage (versus 10% for any regular plan).
Gross negligence
Not going anywhere without your beloved bike? For people like you, we have the bike add-on that insures the purchase value of your bike (up to 1,000 Euro*) worldwide 24/7 if it gets stolen. This includes accessories that are tightly screwed on, like bike lamps.
Bike
Annett
"Fantastic customer service- they really take the time for you and are super friendly."
Manuela
"The terms and conditions are understandable, even if you're not an insurance geek. This is definitely a real pro compared to other insurances!"
Ole
"As promised, this insurance is affordable, easy and caused me little stress".
What our customers say
Wie versichere
ich mich?
Fill out the simple Coya Home Contents Insurance form online and see a personalized offer that shows what your monthly payment would be.
Confirm your offer online without any paper forms, and create an account. Here you will be able to find all documents and information regarding your contract.
All done! You will receive a confirmation e-mail with all relevant documents and be insured the following day. #coyeah!
Convinced?
Get Home Contents Insurance in less than 2 minutes.
The story behind Coya.
When one of our founders caught dengue fever several years ago on a trip abroad, he made an experience that would change the course of his life.
Despite searching through numerous emails, he found himself stranded and unable to access any of the insurance documents he so desperately needed in that moment. The reason, was quite simple: his documents were stuck away in a paper folder in Germany. Puzzled and frustrated, the situation made him aware of a problem he became determined to solve...
Confirm your offer online without any paper forms, and create an account. Here you will be able to find all documents and information regarding your contract.
All done! You will receive a confirmation e-mail with all relevant documents and be insured the following day. #coyeah!
Digital - no paperwork
No fixed contracts - cancel any day
Fixed coverage
24/7 emergency service - we cover plumbing, locksmiths and more!
Insurance outside your home - your belongings are covered with you on holidays as well! (between 3- 12 months depending on your plan)
Inkl. „Schutzbrief“ & 24h-Notfall-Handwerkerhotline – wir zahlen auch für Sanitärarbeiten, Schlüsseldienst & Co.
Hotel accommodation in an emergency
No claims bonus - if you don't file a claim for one year, you get back 5% of your monthly fees
Bike add-on - insure your bike 24/7 anywhere in the world! The bikes of your family members and housemates (registered) are included as well
Performance guarantee - if a competitor offers a service we don't, we promise to meet the same offer, even if this is not in our original plan (for Premium only)
Simple plans all in one Dashboard - access your information 24/7
Easy payment with SEPA debit or credit card
Get a contract in less than 2 minutes
*if your bike is worth more than 1,000 Euro, please stay tuned. We are working on extending this amount to 10, 000 Euro and will launch this soon.
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Digital – no paperwork
No fixed contracts - cancel any day
Fixed coverage
24/7 emergency service - we cover plumbing, locksmiths and more!
Insurance outside your home - your belongings are covered with you on holidays as well! (between 3- 12 months depending on your plan)
Hotel accommodation in an emergency
No claims bonus - if you don't file a claim for one year, you get back 5% of your monthly fees
Bike add-on - insure your bike 24/7 anywhere in the world! The bikes of your family members and housemates (registered) are included as well
Performance guarantee - if a competitor offers a service we don't, we promise to meet the same offer, even if this is not in our original plan (for Premium only)
Simple plans all in one Dashboard - access your information 24/7
Easy payment with SEPA debit or credit card
Get a contract in less than 2 minutes
Why Coya?
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*Ist dein Fahrrad mehr wert als 1.000 Euro? In den kommenden Wochen erweitern wir unsere Diebstahlversicherung bis zu einem Fahrradwert von max. 10.000 Euro. Stay tuned.
Home Contents Insurance covers your belongings at home, and reimburses you their purchase value if they get damaged or stolen (in the context of the risks mentioned below). Your coverage should represent the total value of all your items at home, and is always the maximum value that would be paid out to you in the case of an insured event. Our proposed amount is based on an average of 650 Euro per square meter, however, since you know your home better than us you can adapt this number to reflect what you think your household is worth. Especially if you own certain very valuable items, beware that you are not at too low a sum, as you risk being 'underinsured'. Read more about this in the terms and conditions on the offer page when choosing a contract.
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Home Contents Insurance covers your belongings at home, and reimburses you their purchase value if they get damaged or stolen (in the context of the risks mentioned below). Your coverage should represent the total value of all your items at home, and is always the maximum value that would be paid out to you in the case of an insured event. Our proposed amount is based on an average of 650 Euro per square meter, however, since you know your home better than us you can adapt this number to reflect what you think your household is worth. Especially if you own certain very valuable items, beware that you are not at too low a sum, as you risk being 'underinsured'. Read more about this in the terms and conditions on the offer page when choosing a contract.
Furniture & Decorations
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