This depends on your personal living situation: Theft in your apartment is usually already coinsured in the ground-up coverage of your household contents insurance. If you are regularly out and about with expensive sports equipment, a camera or special mobile phone, for example the additional module "Simple theft outdoors is worthwhile". For example, you can also protect yourself against the loss of your bicycle, laptop and designer handbag when you are out and about – but no cash is insured here.