Advanced · eu · 3 min
EU/UK home cover path chooser
Choose your household situation, flag flood and high-value risks, and get a discuss/skip list for buildings, contents, and liability themes—then open your country page.
Direct answer: Methodology: path-based educational checklists by occupancy type. Assumptions: private household unless you mark clients/stock on site. Limitations: does not appraise rebuild cost, price cover, or interpret national catastrophe schemes as binding advice.
Step 1 of 3· Your situation
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Buildings (structure) and contents (belongings) are often separate decisions—even when sold in one package. Labels differ by country (Hausrat/Wohngebäude, inboedel/opstal, contents/buildings).
How to use results
- Treat numbers as educational ranges, not bindable quotes.
- Download the Excel decision pack for your exact inputs, outputs, checklist, and matched guides—or use Copy results / Print / save PDF before you close the tab.
- Pair with a guideline for the buying process.
Methodology
Models use transparent formulas (DIME, premium multipliers, weighted checklists). Read the full methodology page.
Frequently asked questions
Do renters need buildings insurance?+
Often the building is the landlord’s or co-ownership’s responsibility. Renters typically focus on contents and personal liability—confirm the lease and local practice.
Is flood always included in EU home policies?+
No. Flood and catastrophe wording varies by country and product. Some markets use parallel national schemes—read the schedule.