Safe for home - does that bring something?

The fear of burglaries goes a long way. Many security windows and alarm systems are not enough, especially the higher values ​​you would like to safely included. What is possible for a safe at home, what conditions apply and what values ​​can be included with a clear conscience, read here.

Safe and insurance

First and foremost, it is important not only to store values ​​safely, but also what values ​​the insurance still covers when they are locked up at home.

This point is often overlooked. However, insurance companies generally do not particularly appreciate the keeping of valuables in the household - and often do not pay in case of damage because the storage did not meet their requirements. Crucial to the criteria that the safe has to fulfill are therefore the conditions imposed by the insurance for safes.

Valor insurance

Smaller values ​​can still be co-insured via household insurance. The limits for "small values" may differ from insurer to insurer, but the usual ones are usually:

  • Cash up to 1,500 EUR
  • Securities up to 3,000 EUR and
  • Jewelery up to 20,000 EUR

Everything beyond would require a special insurance. In many cases, this is hardly worth it, as the requirements for the vault can be very comprehensive for higher values. A safe deposit box is often the easier solution - especially for private individuals.

Requirements for the safe

For smaller values, most insurers are relatively undemanding - so is sufficient for values ​​up to 1,000 EUR also a "simple inclusion". Otherwise, however, it may well happen that, even for values ​​covered by household insurance, vaults of at least 200 kg in weight or with fixed wall installation (anchoring in wall and floor) are required.

security classes

The security classes at vaults are a veritable jungle of different standards, security classes and standards. Not all security classes are interconvertible, and many insurers require special certifications.

A safe should in many cases also be a protection of valuables against fire and flood (for example, important papers and data carriers). Here are other safety classes that are specifically related to fire safety (DIN EN 1047-1). Here the corresponding classes are then S 60 Dis or S120 Dis (for all electronic data media and negatives) as well as S 60 P or S 120 P for all paper documents.

The burglary risk

Even vaults weighing several hundred kilos are often stolen by burglars and then broken up at another location. For devices weighing less than 1,000 kg, anchoring or fixed installation is often required.

The possibilities offered here are the following:

  • Anchoring with special anchoring accessories on wall and floor (must be carried out by a specialist company and according to the instructions of the vault manufacturer)
  • firm walling (also technically correct necessary - also for this a special specialist enterprise is necessary)
  • as a so-called furniture safe (is installed in a piece of furniture and bolted to the wall behind it - often not very durable)

Tips & Tricks

If you want to get a vault for smaller values ​​and have clarified the conditions with the insurance, you will also overstate the costs. Sometimes bank deposit boxes are often financially affordable as well - and you can sleep peacefully in any case.

Video Board: I Didn't Feel Safe At Home Or In School