# Household Insurance in Austria (2026) > Household insurance in Austria (Haushaltsversicherung) covers contents and bundles liability, from €122/year. What it covers and the cheapest providers. Updated: August 1 2026 · By Jules de Bruin · URL: https://www.how-to-austria.com/insurance/household-insurance 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**. Rank byOur overall pick below is HDI, from From €10.20. ### HDI Top-Heimvorteil 4.5Best Value. Cheapest household policy in the AK price test, with contents cover and bundled personal liability included. [Get an HDI Household Quote](https://www.hdi.at)Monthly premiumBestFrom €10.20CoverageContents and liabilityLiability sumIncluded, sum not publishedDeductibleBest€200More detailsPerilsFire, water, theft, stormAnnual cost€122.07, cheapest testedPrices 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 4.3Best All-Rounder. Largest Austrian insurer with liability up to €10 million bundled and in-person advice at branches nationwide. [Compare Uniqa Household Plans](https://www.uniqa.at)Monthly premiumFrom €16.50CoverageContents and liabilityLiability sumUp to €10 millionDeductible€500 on some coverMore detailsServiceDense nationwide branch networkBundlingCombines with other Uniqa policiesPrices 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 4.2Highest bundled liability sum in the test at €15 million, ideal if you want maximum third-party cover. [Explore Wiener Staedtische Cover](https://www.wienerstaedtische.at)Monthly premiumFrom €19.70CoverageContents and liabilityLiability sumBest€15 millionDeductible€100 to €300 tariff optionMore detailsServiceDense Vienna branch networkLandlordsEasy proof of insurancePrices 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](https://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](/insurance/liability-insurance). When you first set up a flat, the household policy is usually the first insurance to arrange, as our [setting up home guide](/living/setting-up-home-in-austria) 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](https://www.fma.gv.at). Illustration of an umbrella, a car, and a house, for what insurance protects in Austria. ## 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 liability**pays 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. Illustration of a shield, an umbrella, and a health cross, for health, home, and liability insurance cover in Austria. ## 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](/insurance/dog-liability-insurance). ### 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? Prices as of August 2026, verify with a quote. Source: AK Oberoesterreich November 2025 price test, 90 square metre rental flat with a €200 deductible. | 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](https://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. ## Related Guides [### Liability Insurance Standalone personal liability (Haftpflicht) and how it fits with household cover.](/insurance/liability-insurance)[### Dog Liability Insurance When you need a separate Hundehaftpflicht and what the bundled cover includes.](/insurance/dog-liability-insurance)[### Setting Up Home The first steps to arrange when you move into a new flat in Austria.](/living/setting-up-home-in-austria)[### Insurance Providers The main insurers operating in Austria compared side by side.](/insurance/providers)> On this page Getting Started - [Top providersStart hereTop picks ranked](#providers) - [MandatoryLaw vs lease](#mandatory) Coverage - [CoverageContents + liability](#coverage) - [Dog and householdWho and what is included](#dog-household) Costs - [CostProvider price ranking](#costs) Help - [Frequently asked questionsQuick answers](#faq) - [Related guidesWhere to read next](#related-guides) Ask the author ## Have a question this guide did not answer? Send it to Jules. Questions shape what gets written next, and the most common ones become new sections on this page. Goes straight to Jules by email. No newsletter, no spam. Replies are best effort within a few days. ## 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. ### What drives the premium up or down? The main driver is the flat size in square metres, then the contents sum insured (Versicherungssumme), your 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. --- Source: https://www.how-to-austria.com/insurance/household-insurance Last updated: Updated: August 1 2026 Format: LLM-readable Markdown twin (.md) of the canonical HTML page.