In­sur­ances AFTER prop­er­ty fi­nan­c­ing

So­ that your dream of own­ing a home starts safe­ly

Con­grat­u­la­tions – Your home is fi­nanced! now it’s about pro­tect­ing your prop­er­ty, your fam­i­ly and your in­come re­li­ably. On this page you’ll find all im­por­tant in­sur­ances that are use­ful af­ter pur­chas­ing or com­plet­ing your prop­er­ty.

we­ show you how to:

• pro­tect your home – from da­mages caused by fire, wa­ter, storm, bur­glary or nat­u­ral dis­as­ters, 
  

• se­cure your as­sets – so you don’t have to bear high costs, 
  

• fi­nancially pro­tect your fam­i­ly – even if your in­come stops, 
  

• pro­tect your work ca­pa­bility – to main­tain your life stan­dard long-term. 
  

All pre­sen­ted in­sur­ances are sim­ple to un­der­stand, af­ford­able and tai­lored to the needs of prop­er­ty own­ers. This lets you re­tain full con­trol and en­joy your home with­out wor­ries. Dis­cov­er now which in­sur­ances make sense for you – and se­cure your prop­er­ty and fam­i­ly.

Pro­tect your new home from the be­gin­ning against fi­nancial risks. Home build­ing in­sur­ance cov­ers dam­age caused by fire, plumb­ing wa­ter, storm, and hail – so you won’t be stuck with high costs in case of an emer­gency.   

Ad­di­tion­ally, you can ex­tend your cov­er­age, e.g., with glass in­sur­ance or nat­ural haz­ard in­sur­ance for risks like flood or heavy rain.

Typical dam­age cases:  

• Van­dal­ism or break-in dam­age 
  

• Sev­ere weath­er, storm, or hail 
  

• Nat­ural dis­as­ters, e.g., un­der­min­ing of the build­ing dur­ing flood 
  

The most im­port­ant at a glance:

• Con­tri­bu­tion: from ap­prox. €12.50 per month, de­pend­ing on lo­ca­tion, size, and fea­tures of the prop­er­ty
  

• In­di­vid­u­al­ly ad­just­able to your prop­er­ty and your per­son­al sec­u­ri­ty needs 
  

This is how you se­cure the value of your prop­er­ty long-term – re­li­able, plan­nable, and af­ford­able.

Se­cure your­self a­gainst fi­nan­cial risks when a mis­hap hap­pens in your dai­ly life. The pri­vate li­a­bil­i­ty in­sur­ance cov­ers per­son­al, prop­er­ty, and fi­nan­cial dam­age you cause to oth­ers – and pro­tects you from high li­a­bil­i­ty claims that can quickly be ex­is­ten­tial­ly threat­en­ing.

The loss of oth­ers’ keys (e.g., rent­al or work keys) is also in­cluded. Es­pe­cial­ly im­por­tant: cov­er­age for de­fault­ed claims en­sur­es that you are pro­tect­ed even if some­one causes dam­age and can­not pay.  

Typical ex­am­ple:
A wa­ter dam­age in your a­part­ment – the wa­ter flows in­to your neigh­bor’s a­part­ment. Re­pairs, paint­ing work, and even dry­ing de­vices are cov­ered by your li­a­bil­i­ty in­sur­ance.

The im­por­tant points at a glance:

• Cov­er­age from ap­prox. 25 € per year in the ba­sic plan.
  

• World­wide in­sur­ance cov­er­age avail­able.
  

• Ex­is­tence-sec­ur­ing pro­tec­tion for a small cost.

This is how you se­cure your as­sets re­li­ably – for less than a cof­fee per month. Would you like to know which plan truly fits your life si­tu­a­tion?  

Se­cure your­self a­gainst fi­nan­cial risks that may ar­ise from your ren­ted prop­er­ty. The house and prop­erty own­er li­a­bil­i­ty cov­ers da­mages for which you are le­gal­ly re­spon­si­ble – re­gard­less of whe­ther the prop­er­ty is full­y or par­tial­y ren­ted. 

This cov­er can also be use­ful for an un­de­vel­oped lot, as the own­er bears re­spon­si­bil­i­ty for safe­ty in the area.

Typ­i­cal ex­am­ple:
A mail­car­rier trips on a bro­ken stone slab on your prop­er­ty and gets in­jured. The in­sur­ance cov­ers the claim­s for dam­age and de­fends you a­gainst un­just de­mands.  

The most im­por­tant at a glance: 

• Cov­er from ap­prox. €17.86 per year. 
  

• Cov­ers per­son­al, prop­er­ty, and as­set dam­ages. 
  

• As­sess­es and de­fends a­gainst un­just claims.

Tip: Do you live your­self in your multi-fam­i­ly house? Then check if this cov­er is al­ready in­cluded in your pri­vate li­a­bil­i­ty in­sur­ance.

This is how you se­cure your as­sets as an own­er – re­li­a­bly and at a man­age­able cost. Would you like to know if and to what ex­tent you need this cov­er?  

Se­cure your be­long­ings re­li­a­bly a­gainst fi­re, wa­ter dam­age from pi­pes, storm, ha­il, bur­gla­ry, theft, and van­da­lism. You can al­so ex­tend your cov­er, e.g., with glass in­sur­ance or nat­u­ral per­il in­sur­ance a­gainst floods or hea­vy rain.

What is cov­ered?
Ev­er­y­thing be­long­ing to your home con­tents: fur­nish­ings, de­cor, elec­tric ap­pli­ances, jew­el­ry, cash, dish­es, fixed-in­stal­led fix­tures, wall­pa­per, and floor­ing. Im­ag­ine turn­ing your a­part­ment up­side down – ev­er­y­thing that “falls out” is pro­tect­ed.  

The Most Im­por­tant At A Glance:

• Con­tri­bu­tion: from ap­prox. €3.75 per month, de­pend­ent on the in­sur­ance sum.
  

• In­sur­ance Sum: rec­om­mend­ed at least €650 per square me­ter.
  

• In­di­vid­u­al­ly ad­just­able to your a­part­ment or house.
  

Tip: Co­or­di­nate home con­tents and build­ing in­sur­ance to save con­tri­bu­tions and a­void du­pli­cate cov­er­age.

This way you pro­tect your home and home con­tents re­li­a­bly – for peace of mind, no mat­ter what hap­pens.  

Se­cure your­self a­gainst the fi­nan­cial con­se­quen­ces of bro­ken glass. The glass in­sur­ance cov­ers the costs of da­mage to build­ing and fur­nish­ing gla­zing – quick­ly, sim­ple­ly, and with­out long dis­cus­sions a­bout the cause.
It is us­u­al­ly taken as a sup­ple­ment to home con­tents or build­ing in­sur­ance and mean­ing­ful­ly ex­tends your ex­ist­ing cov­er­age.  

Typical Ex­am­ples:

• Win­dows and pa­tio doors made of glass.
  

• Mir­rors and per­ma­nently in­stalled glass panes.
  

• Ce­ram­ic cook­ing sur­faces.
  

• Op­tion­al: aq­uar­i­ums or ad­di­tion­al glass sur­faces.
  

The Most Im­por­tant At A Glance: 

• Con­tri­bu­tion: from ap­prox. €1.65 per month, de­pend­ing on the se­lected cov­er­age.
  

• Mean­ing­ful sup­ple­ment for com­pre­hen­sive all-round pro­tec­tion.
  

• Cov­ers re­pair or re­place­ment costs in case of glass break­age.
  

This pro­tects your home from un­ex­pect­ed ad­di­tion­al costs – for a small con­tri­bu­tion with a big im­pact. Would you like to check if glass in­sur­ance is use­ful for your prop­er­ty?  

Se­cure your home a­gainst the fi­nan­cial con­se­quen­ces of ex­treme nat­u­ral events. The el­e­men­tar in­sur­ance pro­tects you from dam­age caused by flood­ing, heavy rain, back­up wa­ter, earth­quakes, landslides, a­valanches, snow pres­sure, storm surges, or vo­lcano eruptions. Nat­u­ral events are be­com­ing more fre­quent in Ger­many – par­tic­u­larly dam­age from heavy rain and floods.   

Typ­i­cal Sit­u­a­tions:
A storm dam­ages your roof. Rain en­ters the house and des­troys walls, floors, and tech­ni­cal sys­tems such as your heat­ing. The el­e­men­tar in­sur­ance cov­ers the cost of re­pair – en­sur­ing you re­main fi­nan­cial­ly se­cure.

Key Points at a Glance:

• Mean­ing­ful sup­ple­ment to home­con­tent and build­ing in­sur­ance. 
  

• Con­tri­bu­tion de­pends on the lo­ca­tion of the prop­er­ty and the de­sired cov­er­age.
  

• Pro­tec­tion a­gainst ex­is­tence-threat­en­ing dam­age caused by nat­u­ral forces.
  

This Pro­tects the Value of Your Prop­er­ty in the Long Term – Even Against Events You Can­not Con­trol. Would You Like to Know If Your Prop­er­ty Is Ade­quate­ly Cov­ered Against Nat­u­ral Haz­ard Dam­age?

Make sure your in­come re­mains suf­fi­ciently pro­tect­ed in the fu­ture. If your sal­ary in­creases, a prop­er­ty is fi­nanced, or your life sit­u­a­tion changes, your work­force in­sur­ance should be ad­just­ed ac­cord­ing­ly. 

A dis­abil­i­ty, fun­da­men­tal skills, or ac­ci­dent in­sur­ance pro­tects you from fi­nan­cial con­se­quences if you can­not work due to ill­ness or ac­ci­dent. How­ev­er, in­su­ffi­cient cov­er­age can lead to fi­nan­cial bot­tle­necks in an emer­gen­cy.  

Typical Example:

• Sal­ary In­crease or Job Change 
  

• Prop­er­ty Fi­nanc­ing 
  

• Fam­i­ly Growth 
  

• In­creased Cost of Liv­ing
  

Key Points at a Glance:

• Con­tri­bu­tion: ap­prox. 2-4% of your net in­come.
  

• Cov­er­age against phys­i­cal and men­tal ill­ness as well as se­ri­ous ac­ci­dents. 
  

• In­di­vid­u­al­ly ad­just­able to your cur­rent life sit­u­a­tion.
  

This en­sur­es that your stan­dard of liv­ing re­mains main­tained even in emer­gen­cies. Have your ex­ist­ing cov­er­age re­viewed non-bind­ing­ly and op­ti­mize your pro­tec­tion.

Learn more about: In­sur­ance BEFORE Prop­er­ty Fi­nanc­ing >