New-for-old replacement
We insure at replacement value. No deductions for age or wear.
800+clients in Austria
15+insurers compared
4.9Google rating
4languages DE · UA · RU · EN
§28MaklerG best advice
GISAlicensed insurance broker
Anyone who has lost everything once knows what four walls mean.
Household insurance costs between 8 and 25 € a month. That is the price of not starting from zero again after water damage, a burglary or a fire.
For anyone who has already had to start over, that is not abstract. It is concrete. We choose a plan that fits the size of your home, your family and your belongings — and that replaces what is lost at new-for-old value. No deductions for old furniture, no undervaluation — the price you would pay today.
Home is where we love — a home that lives not in the walls, but in the voices inside them.
What you get with Wenexus.
Six promises we are happy to be measured against.
Haftpflicht worldwide
Haftpflicht (personal liability) for the whole family — on holiday, and on visits to Ukraine.
Gross negligence
Covered up to 100%. Even if you forgot to switch off the iron.
Cyber module
Optional: phishing, online shopping fraud, identity theft.
Reporting a claim
In German, Ukrainian or Russian — by phone, or with a photo via WhatsApp.
Burglary cover
Jewellery and valuables up to 30,000 € — outside the safe as well.
Three routes, three prices. One conversation.
We recommend the plan that fits your life — not the most expensive one.
Basic
from8€/month
- Included: Fire, water, storm
- Included: Burglary and theft
- Included: Sum insured up to 30,000 €
- Included: Private Haftpflicht 2 million €
- Not included: Gross negligence
- Not included: Cyber module
Comfort
Recommendedfrom16€/month
- Included: Everything in Basic
- Included: Gross negligence at 100%
- Included: Jewellery up to 30,000 €
- Included: Haftpflicht worldwide 5 million €
- Included: Damage from natural hazards
- Not included: Cyber module
Premium
from25€/month
- Included: Everything in Comfort
- Included: Cyber module included
- Included: Electrical appliance cover
- Included: Rental deposit up to 5,000 €
- Included: Garden and terrace furniture
- Included: Concierge claims service in DE/UA/RU
The exact premium depends on your age, your region, the insured object and your claims history. We will send you a PDF comparing the three best options — with no obligation to buy.
Four steps. In person. In your language.
Needs analysis
A 30-minute conversation — in German, Ukrainian or Russian. We understand your situation before we open a single plan.
Market comparison
We compare 15+ insurers on the scope of cover, the Selbstbehalt (deductible) and how they actually settle claims — not just on the premium.
Signing
You sign digitally or in our office. We take care of cancelling your old policy.
When you claim
We call the insurer. We translate. We represent you. That is best advice under §28 MaklerG.
Your plan. Within 24 hours. On a single page.
We compare 15+ insurers and send you a PDF — the three best options, honestly compared.
- A personal needs analysis — no bots
- A comparison of 15+ insurers
- A clear plan comparison on one page
- Advice in DE, UA, RU or EN
Voices from the diaspora.
„After the pipe burst in the flat above us, Wenexus arranged the loss adjuster within two days. I did not have to explain anything in German.“
„We arrived in 2022 with two suitcases. Today we have a home where every piece of furniture is insured. That feels like belonging.“
„A burglary while we were away — laptop, camera, jewellery gone. The payout came in eleven days, and I did not have to write a single letter myself.“
Answers in a language you understand.
Fire, water (including burst pipes and escaping water), storm and hail, burglary, robbery, vandalism, explosion, glass breakage and lightning. Electronics too — for defects, damage, theft, wilful damage by third parties and mishaps you cause yourself. Plus private Haftpflicht (personal liability) for the whole family. Optional: gross negligence, natural hazards, cyber, rental deposit.
When you caused the damage yourself through carelessness — leaving the iron or the stove on, for example. In the Basic plan this is often excluded, or covered only up to 25%. In the Comfort plan: up to 100%. An important difference.
No. Your landlord's building insurance covers only the building, not your furniture, electronics and clothes. You need your own household insurance. It costs less than most people think — from 8 €/month.
Haushalt = the contents (furniture, appliances, clothing). Eigenheim = the building itself (walls, roof, permanently fitted installations). As the owner of a flat you need both; as a tenant, only Haushalt.
Yes, within the plan's sub-limits. In Basic: around 10% of the sum insured. In Comfort: up to 30,000 €. Cash is separate — usually 1,000 to 3,000 €. Valuables above 50,000 € should additionally be listed in a specific valuables policy.
1) Stop the water at the main valve. 2) Photograph everything — before you clear up. 3) Call Wenexus (24/7 in DE/UA/RU). We report the claim, arrange the drying company and stay with you through the rest of the process.
Your new home deserves more than guesswork.
We look at your current policy — and tell you honestly where you are underinsured. And where you are paying too much.
Free consultation · No obligation