★★★★★ Trusted by 1,500+ Indian expats in Germany | Independent broker — we work for you, not for insurers
Starting from
~€15–40/month
Depends on property size & location
Covers
Full rebuilding cost
Fire, storms, hail & water damage
Required by
Most mortgage lenders
Mandatory for almost every property loan
What damage to your building can really cost
A single event can cost more than you paid for the property itself.
Without building insurance
Burst pipe flooding two floors: €30,000–€80,000
Roof damage after a major storm: €15,000–€50,000
Fire destroying parts of the house: €100,000–€500,000+
→ You pay every cent from your own pocket — including the outstanding mortgage.
Roof damage after a major storm: €15,000–€50,000
Fire destroying parts of the house: €100,000–€500,000+
→ You pay every cent from your own pocket — including the outstanding mortgage.
With building insurance
Monthly cost: ~€15–40/month
All covered damage: insurer pays repair or rebuild
Temporary housing: often included while your home is repaired
→ Your biggest investment stays protected — no matter what happens.
All covered damage: insurer pays repair or rebuild
Temporary housing: often included while your home is repaired
→ Your biggest investment stays protected — no matter what happens.
How it works
Three simple steps to protect your property.
1
Tell us about your property
Apartment or house? Size, year built, roof type? We assess your individual risk profile.
2
We compare & recommend
As independent brokers we compare tariffs from multiple insurers — including Elementarschäden add-ons for floods and natural disasters.
3
Your property is protected
Sign up quickly with our help. If damage occurs, we handle the claims process for you — in English.
What's covered
The core protections every property owner needs.
Fire & lightning
Full coverage for fire damage, including smoke and soot — from a kitchen fire to a lightning strike
Storms & hail
Roof tiles blown off, broken windows, structural damage from heavy storms — all covered
Water damage (Leitungswasser)
Burst or leaking pipes, broken heating system, water damage to floors, walls, and ceilings
Rebuilding costs
If the worst happens, your insurer covers the full cost to rebuild or repair your home to its original state
⚠️
Elementarschäden — the add-on you should not skip
Standard building insurance does not cover flooding, heavy rain, earthquakes, or landslides. These "Elementarschäden" are a separate add-on — and with extreme weather becoming more frequent in Germany, it's one of the most important extras you can get. We always check if your area is at risk and recommend the right level of coverage.
Real situations where it helps
Common damage events that can cost tens of thousands.
Burst pipe in winter
Freezing temperatures cause a pipe to burst behind the wall. Water soaks through two floors, destroying walls, flooring, and the electrical system. Repair cost: €40,000+. Building insurance covers it.
Storm tears off the roof
A severe storm rips tiles off the roof and rain pours into the attic. The entire roof needs replacement plus water damage repairs. Cost: €25,000–€60,000. Building insurance covers it.
Electrical fire in the basement
A faulty cable causes a fire that spreads through the basement. Structural damage, smoke throughout the house. Rebuilding cost: €100,000+. Building insurance covers it.
Good to know — what's usually not covered
Personal advice helps make sure you get the right coverage.
- Furniture and belongings inside the house — that's home contents insurance (Hausratversicherung)
- Flooding, heavy rain, earthquakes — only covered with the Elementarschäden add-on
- Damage caused intentionally or through gross negligence (varies by tariff)
- Wear and tear — normal ageing of the building, maintenance issues
- Construction defects — issues caused by poor workmanship during building or renovation
- Damage to gardens or external structures — fences, sheds, pools (may need extra coverage)
This is why personal advice matters: we make sure your policy covers Elementarschäden, glass breakage, and other extras that many basic tariffs leave out.
Who needs building insurance?
If you own property in Germany, this is essential.
- Expats buying property in Germany — your mortgage lender will almost certainly require it
- Homeowners (Eigentümer) — whether you live in the property or rent it out
- WEG apartment owners — the owners' association (Eigentümergemeinschaft) usually arranges it jointly, but verify your coverage
- Expats settling long-term in Germany — buying property is a big step; protecting it should come first
Building insurance vs. home contents
Two different policies — both important for property owners.
🏠 Building insurance (Wohngebäude)
Covers the structure of your home:
Walls, roof, floors, windows, doors
Built-in kitchen, heating system, pipes
Garage, balcony, fixed installations
→ Everything that's permanently part of the building
Walls, roof, floors, windows, doors
Built-in kitchen, heating system, pipes
Garage, balcony, fixed installations
→ Everything that's permanently part of the building
🛋️ Home contents insurance (Hausrat)
Covers your belongings inside the home:
Furniture, electronics, clothing
Kitchen appliances, decorations
Valuables, bicycles, sports equipment
→ Everything you would take with you if you moved
Furniture, electronics, clothing
Kitchen appliances, decorations
Valuables, bicycles, sports equipment
→ Everything you would take with you if you moved
What our clients say
Real stories from Indian expats we've helped.
★★★★★
"We had a burst pipe and the repair cost over €35,000. Our building insurance covered everything — including temporary housing while the floors were replaced."
Priya & Arjun · Munich
★★★★★
"NEOdirect found us a tariff with Elementarschäden included — something our bank didn't even mention. Peace of mind for our first property in Germany."
Deepak · Frankfurt
★★★★★
"A hailstorm damaged our roof and several windows. The claim was handled smoothly — NEOdirect communicated with the insurer in German so we didn't have to."
Sunita · Berlin
Your expert for building insurance
Y
Yash Choudhary
Insurance Expert · NEOdirect
Specialised in helping Indian expats protect their property in Germany. I compare building insurance tariffs, check for Elementarschäden coverage, and make sure your home is properly insured — explained in simple English.
📖
Want to learn more first?
Read our blog article comparing home contents insurance and building insurance — understand the difference and why you may need both.
FAQ — Building Insurance
Quick answers to the most common questions.
Ready to protect your property in Germany?
Independent advice · English & Hindi support · Fast enrollment