BEST HOME INSURANCE COVERAGE
Protect your property from risks such as storm damage, water damage, or fire damage.
Home Insurance
Sometimes, minor unfortunate accidents can destroy what you've painstakingly built over the years. Home insurance offers reliable all-around protection for your property. Whether it's damage from fire, water, or storms, all costs for repairs, reconstruction, clean-up, or loss of rent are covered. The protection extends to your property and all associated outbuildings and garages.
With NEODIRECT HOME INSURANCE +, you receive a comparison of prices and benefits, enabling you to find affordable home insurance. Taking the time to do this is worthwhile, as the cost differences can be substantial. NEODIRECT HOME INSURANCE + secures your future even in times of great adversity. Pay attention to the essentials: Housing is the foundation of life.
HOME OWNER INSURANCE
🏡 Homeowner Insurance in Germany
Your house is your biggest investment – protect it properly.
A storm, fire, or water damage can destroy your home within minutes.
Residential building insurance covers the structure of your house – including walls, roof, built-in kitchen, and heating – against major risks.
✅ What’s covered?
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Fire, lightning, explosion
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Storm, hail, heavy rain, snow load
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Water damage from broken pipes
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Vandalism after a break-in
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Optional: flooding, earthquakes, landslides (elemental cover)
🔧 What’s included in the insurance sum?
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The house itself (including built-in elements)
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Garages, garden sheds, carports
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Solar panels, charging stations, heating systems
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Often calculated based on the 1914 German building value index – we explain this in English
🧠 Important to know:
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Builder’s warranty only covers construction faults, not natural disasters
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You remain fully liable if uninsured – even in the first 5 years
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Without the right policy, one fire or storm could ruin you financially
💬 Who needs this?
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Anyone who owns a house or apartment in Germany
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Especially relevant when financing a property
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Often required by mortgage lenders
🤝 Why NEOdirect?
We help Indian expats in Germany understand and choose the right homeowner insurance – in English, with expert support in case of damage or legal issues.
✔️ Detailed comparison
✔️ Location-based risk assessment (flood zones etc.)
✔️ Free consultation and claims support
📅 Protect your house – the right way.
Book your free homeowner insurance consultation now:
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INCLUDE MATERNAL DAMAGES
Climate change makes it obvious that natural damage should be included in the insurance contract.