Hamburger Feuerkasse

What Hamburger Feuerkasse does

Hamburger Feuerkasse is a German public insurer (Öffentlicher Versicherer) headquartered in Hamburg, operating as part of the broader Konzern öffentliche Versicherer group. The company underwrites a comprehensive multi-line insurance portfolio across five primary categories: property and home (Wohngebäude, Hausrat, Elementar, Mietkaution), motor and traffic (Auto, Oldtimer, Motorrad, E-Scooter), liability and legal protection (Privat-Haftpflicht, Haus- & Grundbesitzerhaftpflicht, Rechtsschutz), life and pension products (Berufsunfähigkeit, FondsRente Vario, GarantRente Vario, KlassikRente, BasisRente, Riester-Rente, and the forthcoming Altersvorsorgedepot), and health and travel (Private Krankenversicherung, Unfall, Zahnzusatz, Reiserücktrittsversicherung). It also offers niche lifestyle lines covering pets, bicycles, art, and smartphones. Products are assembled through a modular Bausteinprinzip architecture, allowing customers to customize coverage packages to their life stage.

The company's technology platform centers on a standard policy administration and claims processing stack, with the meineFeuerkasse customer portal providing digital self-service for contract management, claims submission, certificate access, and a free natural hazard risk assessment by postal address. The firm has no disclosed AI/ML capabilities and no proprietary technology IP beyond its digital portal.

Commercially, Hamburger Feuerkasse generates revenue from recurring insurance premiums (annual and monthly billing) across its product portfolio, with policy renewals and cross-selling of multi-line bundles as the core economic engine. Distribution follows a hybrid model: a nationwide network of local insurance advisors handles personalized consultation and advisory-driven sales, while the website and meineFeuerkasse portal enable self-service quote calculation and digital onboarding. Customers span German private individuals (including segmented targeting of first-apartment renters, women focused on wealth-building, and retirees) and a smaller Firmenkunden (SMB/business) segment served through dedicated company pension and occupational disability products. No revenue figures, customer counts, or growth metrics are disclosed.

Name

Hamburger Feuerkasse

Legal name

Hamburger Feuerkasse

Website

https://hamburger-feuerkasse.de

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Hamburger Feuerkasse is a German public insurer headquartered in Hamburg, offering a modular multi-line portfolio of property, motor, liability, legal, health, life, and travel insurance products to private individuals and SMBs across Germany through a hybrid local-advisor and digital-portal distribution model.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Personal insurance products
• Property and casualty insurance
• Retirement and pension planning
• Legal protection insurance
• Health insurance supplements

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Insurance Premiums: Hamburger Feuerkasse generates revenue through收取保险费 from a broad portfolio of personal and commercial insurance products including property (homeowners, renters), liability, motor vehicle, legal protection, health supplementary, life and pensions, and travel insurance. Revenue is primarily recurring (annual or monthly premiums), with policy renewals and cross-selling across the product range forming the core commercial model. The company also offers the 'Altersvorsorgedepot' (retirement savings depot) leveraging state subsidies and capital market returns.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Hamburger Feuerkasse is a German public insurer offering a comprehensive portfolio of personal and commercial insurance products organized across property (home, household contents, natural hazard), motor, liability, legal protection, health, life and pension, accident, and travel insurance lines. Coverage is structured on a modular building-block principle (Bausteinprinzip) enabling customized packages, with distribution through a nationwide local advisor network supported by a digital self-service portal (meineFeuerkasse). The company also offers retirement planning products including state-subsidized options (Riester-Rente, BasisRente, Altersvorsorgedepot).

Product overview

Hamburger Feuerkasse is a traditional insurance company offering a comprehensive portfolio of personal and commercial insurance products organized into five main categories: Haus, Auto & Recht (property, liability, motor, legal protection, pets); Vermögen, Gesundheit & Reise (wealth management, health insurance, travel); Services; Konzern; and Karriere. The core offering consists of modular insurance products including home insurance (Wohngebäudeversicherung, Hausratversicherung, Elementarversicherung), vehicle insurance (Autoversicherung, Oldtimer-Versicherung, Motorradversicherung), liability insurance (Privat-Haftpflichtversicherung), health insurance (Private Krankenversicherung, Unfallversicherung), retirement planning (FondsRente Vario, GarantRente Vario, Altersvorsorgedepot), and travel insurance. The company also operates a digital customer portal (meineFeuerkasse) that enables contract management, claims submission, and natural hazard risk assessment. Products use a modular building-block principle (Bausteinprinzip) allowing customized coverage packages.

Differentiator

Problem solved

Functional benefit

Products and services

• Wohngebäudeversicherung Home building insurance that protects property owners against wind and weather damage, ensuring financial security during storms and severe weather events.
• Hausratversicherung Insurance protecting household furnishings and belongings located within the home.
• Elementarversicherung Coverage against natural hazards including flooding, heavy rain, storms, earthquakes, avalanches, and snow load.
• Autoversicherung Comprehensive vehicle insurance with extensive coverage features for optimal protection while driving.
• Privat-Haftpflichtversicherung Personal liability insurance with protection aligned to the policyholder's life and family situation; Smart entry plan starts from €3.96/month for ages 18–26.
• Smartphoneversicherung Insurance coverage for smartphones and valuable electronic devices including cameras.
• Unfallversicherung Accident insurance providing financial protection in case of personal injury.
• Berufsunfähigkeitsversicherungen Income protection insurance covering occupational disability, including Einkommens-Schutz, Starter-BU, and Firmen-BU Smart variants.
• FondsRente Vario Fund-based pension insurance with flexible investment options.
• GarantRente Vario Fund-based pension insurance with a guaranteed returns component.
• KlassikRente Classic pension insurance product.
• FirmenRente Company pension scheme for business employees.
• BasisRente State-subsidized basic pension insurance.
• Riester-Rente State-subsidized Riester pension product.
• Altersvorsorgedepot Modern retirement savings depot enabling use of state subsidies and capital market investments for private retirement planning.
• GenerationenDepot Invest Generational investment depot for wealth transfer and inheritance planning.
• Private Krankenversicherung Private health insurance for employees, self-employed, civil servants, and civil servant candidates.
• Reiserücktrittsversicherung Travel cancellation insurance including annual travel cancellation options.
• Travel-Paket Travel package insurance available as single-trip or annual coverage.
• meineFeuerkasse customer portal Customer portal providing access to contracts, claims submissions, certificates, and direct advisor communication, with features including free risk check for natural hazards at property address and digital agency cards for wallet apps.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• LandesverkehrswachtminorStrategic or Co-development PartnerHamburger Feuerkasse partners with Landesverkehrswacht (state traffic safety organization) to produce safety content for cargo bike riders. The collaboration results in expert safety tips for cargo cycling with children, luggage, and technical checks, published under the joint initiative 'Mit Sicherheit ans Ziel' (Safely to your destination).

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• DEVK Versicherungen: DEVK is a German mutual insurer providing multi-line property, motor, liability, legal protection, and life/health coverage to individuals and businesses, distributed through a regional agency network. Its product breadth and agent-driven GTM closely mirror Hamburger Feuerkasse's model.
• HUK-COBURG: HUK-COBURG is a German mutual insurer offering a comparable multi-line personal insurance portfolio (motor, liability, property, legal protection, life/health) distributed through a mix of direct and agent channels. It is one of the closest direct competitors to Hamburger Feuerkasse in German personal lines retail.
• LVM Versicherung: LVM is a regional German mutual insurer offering multi-line personal insurance (motor, property, liability, life, health supplementary) through a strong local-advisor network. Its regional public-insurer heritage and bundled personal-lines focus make it a close structural peer.

Regional players

• VGH Versicherungen: VGH is a regional public insurer ('Öffentliche Versicherer') based in Hannover, offering multi-line personal and commercial coverage through a local-advisor network. It is a structural twin of Hamburger Feuerkasse under the same German public-insurer model, though operating primarily in Lower Saxony.
• ÖVB (Öffentliche Versicherungen Bremen): ÖVB is a regional public insurer in Bremen offering multi-line personal insurance (property, motor, liability, life, health) through a local-advisor network. It shares the same 'Öffentlicher Versicherer' institutional model and product mix as Hamburger Feuerkasse but operates in a different geographic region.

Broad incumbents

• SV SparkassenVersicherung: SV SparkassenVersicherung is a German public insurer group offering multi-line personal and commercial coverage distributed via the Sparkassen banking channel. Its product breadth and bundling approach overlap significantly with Hamburger Feuerkasse's portfolio.
• Allianz Deutschland: Allianz is Germany's largest multi-line insurer offering property, motor, life, and health coverage through captive agents, brokers, and direct channels. As a broad incumbent, it overlaps Hamburger Feuerkasse across nearly every personal line but at vastly greater scale and brand reach.
• R+V Versicherung: R+V is a German cooperative insurer offering comprehensive multi-line personal and commercial coverage (property, motor, liability, life, health) distributed through the Sparkassen/Volksbanken banking network. Its broad product portfolio and bank-affiliated distribution compete directly with Hamburger Feuerkasse across personal lines.
• Generali Deutschland: Generali Deutschland is a broad multi-line insurer offering property, motor, life, and health coverage through agents and direct channels. As part of the global Generali Group, it competes with Hamburger Feuerkasse across personal lines at greater scale.
• Zurich Deutschland: Zurich Deutschland is a broad multi-line insurer offering personal and commercial property, motor, and life coverage distributed through brokers, agents, and direct channels. Its personal lines offerings directly overlap Hamburger Feuerkasse's portfolio, though at substantially larger national scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/hamburger-feuerkasse-versicherungs-ag

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hamburger Feuerkasse