Household contents insurance after house construction

Oh, well basically they almost all cover the same.
What was important to me was bicycle theft, which is not included everywhere. That the garage, garden shed, etc. next to the house are also covered.
Otherwise, I relied on reviews. I think we pay around €100/year.

Okay, that's already a good reference point, thanks.
The agent has already sent us a rough first offer, which was €180 per year for €97,000. It seems my feeling is right that this is, of course, the super duper premium package, very advantageous for the commission.

Sounds a bit like that. The insurer for the building insurance also made us a great combined savings offer for the household contents, which was also in that range.

There is often a discount if you have multiple insurances with the same insurer, building insurance, fire protection, etc.

It's not just about the insurance sum, but also about which cases you want to cover with it, for example

You can only really find that out during the consultation appointment. You can insure yourself from rudimentary to premium (keyword: bicycles, glass, vandalism, theft from vehicles/in hospital, hotel costs, etc.)

We found one through Check24, but have the option to adjust it every year. We have now upgraded from Basic to the middle level because we only have good bikes now, and the insurance for sooting and smoke damage was important to me, even if the house hasn’t burned down. Glass is actually supposed to be unnecessary, but it did come into play for us in the first year because a door handle broke a display cabinet glass.