Building insurance in Germany

Depending on the policy, building insurance can cover the building structure, roof, permanently installed fixtures, heating and sanitary systems, garages and outbuildings, and certain debris-removal or additional living costs. The policy wording defines the insured items and limits.

Common exclusions include wear and tear, lack of maintenance, intentional damage and risks that were not selected in the policy. Household contents and movable belongings are usually insured separately through contents insurance.

Building insurance is not generally required by law in Germany. However, mortgage lenders commonly require property owners to have suitable building insurance as a condition of financing.

Building insurance protects the building and permanently attached parts. Contents insurance protects movable belongings inside the building, such as furniture, clothing, electronics and personal items.

These are common insured perils, but the exact scope depends on the policy. Check whether fire, lightning, explosion, storm, hail and escape-of-water damage are included, and whether special deductibles or limits apply.

Natural-hazard cover is often an additional module. Depending on the policy, it can include flooding, backwater, earthquakes, subsidence and snow pressure. Waiting periods and deductibles may apply.

The cost depends on factors such as the property's location, size, construction, age, use, selected risks and deductible. An accurate premium requires an individual quotation based on the property details.

allsafe casa combines building insurance and household contents insurance in one 2-in-1 policy, with optional extra protection for selected risks.

The allsafe casa product overview states maximum compensation of up to €2,000,000. This limit is separate from the individual limits for specific benefits and insured costs.

Both allsafe casa tariffs provide all-risk cover. The prime tariff offers higher limits or additional benefits in several areas, including heating-pump theft, online fraud, external insurance, hotel costs and selected service costs.

Yes. Extended natural hazards, glass breakage, and travel and luggage protection are available as optional allsafe casa benefits. The applicable limits, deductibles and waiting periods depend on the selected cover.

The allsafe casa product overview lists photovoltaic installations, whether roof-mounted or installed elsewhere on the property, as included building-related cover at no extra cost, subject to the policy conditions and limits.

All-risk cover under allsafe casa is designed to cover named and unknown risks unless they are excluded by the policy conditions. The policy wording and listed exclusions remain decisive for every claim.

The allsafe casa product overview lists fire shell cover as included for up to 18 months. The exact start, conditions and requirements are governed by the insurance policy.