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  • Moving in together – ready for the next step?

    28.01.2026 | Sandra Biraghi
    A first home together means a closer relationship, but also more daily routine and shared responsibilities – and is often the first truly joint decision in life as a couple. But even with butterflies in your stomach, there are some practical issues to be dealt with in this new phase of life as a couple.
erste-eigene-wohnung

Moving in together – ready for the next step?

28.01.2026 | Sandra Biraghi
erste-eigene-wohnung
A first home together means a closer relationship, but also more daily routine and shared responsibilities – and is often the first truly joint decision in life as a couple. But even with butterflies in your stomach, there are some practical issues to be dealt with in this new phase of life as a couple.

Need for calm and stability

While you always have the essentials with you, the right shoes or gym bag are never where you need them... Eventually, living between two apartments gets exhausting. Your desire for a shared home grows.

A new chapter in your life as a couple

Moving in together is a big step: suddenly you are sharing not only a bed, but also the bills, the furniture and the responsibilities. When you get your first home together you are often full of anticipation, expectations – and lots of new questions. Who pays what? What happens if something breaks? And how can you protect what you’re building together?

These types of insurance are important

Managing your finances – for dreams big and small 

Moving home and buying furniture and furnishings can put a strain on your finances. Don’t forget to arrange regular payments such as utilities, internet, streaming services, insurance premiums and fees. Agree on a monthly contribution to ongoing household costs and set aside reserves for unforeseen events. Unexpected bills are much less stressful for the relationship if you’re prepared.  

Looking ahead: saving to buy your own home
Maybe moving in with your partner for the first time is just the beginning and you’re already dreaming of owning your own home together? If you think about your financial goals early on and start saving, you’ll be laying the foundation for realizing your dreams.

Dealing with insurance and finances together is not an unromantic act, but a sign of responsibility and trust. A solid foundation for everything that lies ahead. 

Moving in together? Here are our tips.

Tips for a worry-free move to your first home together.

Moving into a flat share

Not only is there lots to consider when you move in with your partner, but also when you decide to share a flat with friends or colleagues. Who owns what? Do all the flatmates take care of their own insurance, or should a policy be taken out for the entire flat share? Clear arrangements prevent misunderstandings – especially when individuals move out later. 

Find out more