Household Insurance in Austria (2026)
Updated: August 1 2026| Found helpful by 9 others
Household insurance (Haushaltsversicherung) covers your contents against fire, water, theft, and storm, and it bundles personal liability for damage you cause to others. It is not legally mandatory, but landlords often require it in the lease. In the AK Oberoesterreich November 2025 test on a 90 square metre flat, premiums ran from €122.07 per year (HDI, about €10.20 per month) to €236.32 per year (Wiener Staedtische). A smaller flat costs less, from around €6 per month.
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Sorting changes the order of the provider cards below.
Our overall pick below is HDI, from From €10.20.
HDI Top-Heimvorteil
Best Value. Cheapest household policy in the AK price test, with contents cover and bundled personal liability included.
Get an HDI Household Quote- Monthly premiumBest
- From €10.20
- Coverage
Coverage
What the policy pays for, and up to how much. Only meaningful read together with the reimbursement rate and the deductible.
- Contents and liability
- Liability sum
- Included, sum not published
- DeductibleBest
Deductible
The part of every claim you pay yourself (Selbstbehalt). The insurer covers the rest, so a lower deductible means more money back on each bill.
- €200
More details
- Perils
- Fire, water, theft, storm
- Annual cost
- €122.07, cheapest tested
Prices as of August 2026, verify on the provider site.
Pros
- Cheapest tested at €122.07 per year
- Bundled personal liability included
- Covers fire, water, theft, and storm
Cons
- Confirm the exact liability sum on your quote
- Add-on modules priced separately
Best for Renters who want the lowest premium for solid contents and liability cover
Uniqa Optimal
Best All-Rounder. Largest Austrian insurer with liability up to €10 million bundled and in-person advice at branches nationwide.
Compare Uniqa Household Plans- Monthly premium
- From €16.50
- Coverage
Coverage
What the policy pays for, and up to how much. Only meaningful read together with the reimbursement rate and the deductible.
- Contents and liability
- Liability sum
- Up to €10 million
- Deductible
Deductible
The part of every claim you pay yourself (Selbstbehalt). The insurer covers the rest, so a lower deductible means more money back on each bill.
- €500 on some cover
More details
- Service
- Dense nationwide branch network
- Bundling
- Combines with other Uniqa policies
Prices as of August 2026, verify on the provider site.
Pros
- Austria's largest insurer
- Dense nationwide branch network
- Bundles neatly with other Uniqa policies
Cons
- Pricier than HDI at €198.16 per year
- Top liability tier may cost extra
Best for Residents who want a big-name insurer, branch support, and a high bundled liability sum
Wiener Staedtische Extra
Highest bundled liability sum in the test at €15 million, ideal if you want maximum third-party cover.
Explore Wiener Staedtische Cover- Monthly premium
- From €19.70
- Coverage
Coverage
What the policy pays for, and up to how much. Only meaningful read together with the reimbursement rate and the deductible.
- Contents and liability
- Liability sumBest
- €15 million
- Deductible
Deductible
The part of every claim you pay yourself (Selbstbehalt). The insurer covers the rest, so a lower deductible means more money back on each bill.
- €100 to €300 tariff option
More details
- Service
- Dense Vienna branch network
- Landlords
- Easy proof of insurance
Prices as of August 2026, verify on the provider site.
Pros
- Vienna-based with dense branch network
- Full contents perils covered
- Easy proof-of-insurance for landlords
Cons
- Most expensive tested at €236.32 per year
- Premium plan, not the budget pick
Best for Households that want the highest liability protection and local branch service
All three cover the standard perils and bundle personal liability, so a single policy protects both your contents and your exposure to third-party claims. Prices come from the AK Oberoesterreich November 2025 test on a 90 square metre rental flat with a €200 deductible. A smaller flat costs less.
Other Austrian insurers writing Haushaltsversicherung include MUKI, ERGO, VAV, Zurich, Donau, Allianz, and Generali. Compare the sum insured, the deductible (Selbstbehalt), and the bundled liability sum on a neutral tool like durchblicker.at before you sign.
Is Household Insurance Mandatory in Austria?
No. Haushaltsversicherung is not required by law in Austria. There is no statute that forces a tenant or owner to hold one. But landlords frequently require it in the lease, and it is strongly recommended for renters because it bundles the personal liability you would otherwise buy separately.
The reason it matters is the bundled liability. Under Austrian civil law you are personally liable for damage you cause to others, and a burst pipe that floods the flat below can run into tens of thousands of euros. For standalone personal cover without contents, see our liability insurance guide. When you first set up a flat, the household policy is usually the first insurance to arrange, as our setting up home guide explains.
Check Your Lease Before You Sign
Many Austrian leases include a clause requiring the tenant to hold household insurance and to show proof. Insurers issue this confirmation on request at no cost, and you can arrange the policy the same day you sign the lease. The regulator, the FMA, supervises every Austrian insurer at fma.gv.at.
What Does Household Insurance Cover in Austria?
Usually Covered
- ✓ Fire, smoke, and lightning damage
- ✓ Burglary and theft of contents
- ✓ Water damage (burst pipes, leaks)
- ✓ Storm and hail damage
- ✓ Bundled personal liability (Privathaftpflicht)
- ✓ Glass breakage (often an add-on)
Usually NOT Covered
- • The building structure itself (owners need Eigenheimversicherung)
- • Flood and earthquake (extended catastrophe add-on)
- • Wear, tear, and gradual damage
- • Intentional damage you cause
- • The car (separate Kfz insurance)
- • Business equipment and stock
Household insurance is really two products in one. The contents cover pays to repair or replace your belongings after fire, water, theft, or storm, and the bundled personal liabilitypays for damage you cause to other people and their property. Renters need the contents part; the building itself is the landlord's risk.
Watch two limits. Flood and earthquake are usually excluded unless you add extended natural-catastrophe cover, and the sum insured (Versicherungssumme) must match the real value of your contents, or a large claim can be cut for under-insurance. Owners of a house also need a separate Eigenheimversicherung for the structure.
Does It Cover Dog Liability and Household Members?
Mostly yes. The bundled personal liability in a Haushaltsversicherung covers family members living in the household, meaning your spouse or partner and your children. Unrelated flatmates are usually not covered and may need their own add-on or separate policy. Check the definition of the insured household in the policy wording.
The bundled liability also usually covers one dog. That normally satisfies the mandatory dog-liability rule that applies in most Austrian provinces, so you may not need a separate policy. Listed breeds (Listenhunde) and a second dog often fall outside it. For the provincial rules, minimum sums, and standalone options, see our dog liability insurance guide.
Aim for at Least €1.5 Million Liability
The Arbeiterkammer recommends a bundled liability sum of at least €1.5 million with worldwide validity. Several tested plans go far higher: Wiener Staedtische offers €15 million, Allianz up to €15 million on its Max tier, and Uniqa up to €10 million. Generali is lower at about €2.25 million.
How Much Does Haushaltsversicherung Cost?
| Provider | Approx. monthly | Annual | Bundled liability | Best for |
|---|---|---|---|---|
| HDI Top-Heimvorteil | ~€10.20 | €122.07 | Included (confirm sum) | Cheapest tested |
| MUKI Premium | ~€10.30 | €123.95 | Included (confirm sum) | Budget alternative |
| ERGO Plus | ~€12.60 | €151.13 | Included (confirm sum) | Mid-range pick |
| Uniqa Optimal | ~€16.50 | €198.16 | Up to €10 million | Largest insurer, branches |
| Allianz Max | ~€17.00 | €204.31 | Up to €15 million | Tiered liability limits |
| Wiener Staedtische Extra | ~€19.70 | €236.32 | €15 million | Highest liability cover |
In the AK Oberoesterreich November 2025 test, the cheapest plan was HDI Top-Heimvorteil at €122.07 per year and the most expensive was Wiener Staedtische Extra at €236.32 per year, both on a 90 square metre rental flat with a €200 deductible. A smaller 40 to 70 square metre flat costs less, from around €6 per month per durchblicker.
Four things move the premium. Flat size in square metres is the primary driver, then the contents sum insured, your location and postcode, and the deductible (Selbstbehalt). Choosing a deductible of €100 to 300 can cut the premium by roughly 20 to 40 percent. Optional modules like glass cover, extended natural-catastrophe cover, and a higher liability sum add to the price.
Compare on a Neutral Tool
Get quotes from the neutral comparison site durchblicker.at and check the Arbeiterkammer price tests before you commit. The AK tests are advertising-free, so they show the real ranking rather than the marketing one.
Household Insurance in Austria: Frequently Asked Questions
Is household insurance mandatory in Austria?
No. Haushaltsversicherung is not required by law, but landlords frequently make it a condition of the lease, and it is strongly recommended for renters. It covers fire, water, theft, and storm damage to your contents and bundles personal liability, so most tenants and owners hold one.
How much does Haushaltsversicherung cost in Austria?
In the AK Oberoesterreich November 2025 price test on a 90 square metre rental flat with a €200 deductible, premiums ran from €122.07 per year (about €10.20 per month) with HDI Top-Heimvorteil to €236.32 per year (about €19.70 per month) with Wiener Staedtische Extra. A smaller 40-70 square metre flat costs less, from around €6 per month.
Does household insurance include personal liability?
Yes. Almost every Haushaltsversicherung bundles Privathaftpflicht, which covers damage you cause to other people and their property. It also covers family members living in the household (spouse or partner and children). Unrelated flatmates may need a separate add-on. The AK recommends a liability sum of at least €1.5 million with worldwide validity.
Does household insurance cover my dog's liability?
Usually yes for one dog. The bundled personal liability in a Haushaltsversicherung normally covers a single dog, which satisfies the mandatory dog-liability rule in most Austrian provinces. Listed breeds and second dogs often need a separate Hundehaftpflicht. Check the policy wording before you rely on it.
Related Guides
Liability Insurance
Standalone personal liability (Haftpflicht) and how it fits with household cover.
Dog Liability Insurance
When you need a separate Hundehaftpflicht and what the bundled cover includes.
Setting Up Home
The first steps to arrange when you move into a new flat in Austria.
Insurance Providers
The main insurers operating in Austria compared side by side.