Insurance for Homes Under the Spotlight: A Comprehensive Review of All Top-Ranked Policies
Top Home Contents Insurance Providers Revealed in Stiftung Warentest's 2024/2025 Test
In the quest for the best home contents insurance, Stiftung Warentest's extensive comparison from July 2025 stands out as the most authoritative source. The renowned testing organisation evaluated 260 insurance tariffs from 89 providers, including well-known names like Allianz, Arag, Huk24, Signal Iduna, Schleswiger, and Württembergische.
The test results highlight providers offering broad coverage, including protection against fire, lightning, explosions, burglary, vandalism, water damage, storm, and hail, with no deductible in the basic protection set. Moreover, the comparison emphasises insurers who also pay in cases of gross negligence, a significant factor in their recommendations.
Top-Rated Providers
The top-rated providers in this test are:
- Allianz
- Arag
- Huk24
- Signal Iduna
City-Specific Winners
The test also revealed city-specific winners for household contents insurance. For instance, in Bremerhaven, the winners are:
- Schleswiger (83 € / Top)
- Alteos (88 € / Basis)
- Schleswiger (95 € / Top Plus)
- Alteos (102 € / Basis Plus)
- LBN (103 € / Gut)
In Ingolstadt, the winners are:
- Schleswiger (52 € / Top)
- Janitos (57 € / Balance)
- Schleswiger (59 € / Top Plus)
- Interrisk (60 € / XL)
- Huk24 (61 € / Basis)
Price and Performance
Focus Money, together with Verivox, sought the best mix of price and performance in 2022, evaluating over 200 tariffs. The top-rated tariffs in terms of price-performance ratio are:
- Neodigital (L-Spezial)
- Getsafe (Comfort)
- Neogigital (L)
- Prokundo (Best)
- Medienversicherung (Premium)
It's important to note that the differently high premiums for a home contents insurance are explained by possible additional services, the place of residence, and the amount of the insured sum.
Customer Verdict
The customer verdict resulted in 9 "very good" providers: Allianz, Concordia, Cosmos Direkt, DEVK, ERGO, LVM, Provinzial, R+V, VGH.
In conclusion, Stiftung Warentest’s 2024/2025 test is currently the most authoritative source for top-performing household contents insurers. For personalised comparison, their online comparison tool is recommended to select the best tariff for individual circumstances. If specific results from Focus Money or Handelsblatt become available, they likely align closely with these detailed Stiftung Warentest findings given the insurers involved.
In the realm of finance, top-rated home contents insurance providers according to Stiftung Warentest's 2024/2025 test include finance giants like Allianz, Arag, and Huk24, known for their extensive coverage and fair pricing. Meanwhile, in the lifestyle sector, home-and-garden enthusiasts might find city-specific winners valuable, such as Schleswiger in Bremerhaven and Ingolstadt, offering a balance between affordability and comprehensive protection.
