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BEST HOME INSURANCE COVERAGE

Protect your property from risks such as storm damage, water damage, or fire damage.

Home Insurance

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?

  • Fire, lightning, explosion

  • Storm, hail, heavy rain, snow load

  • Water damage from broken pipes

  • Vandalism after a break-in

  • Optional: flooding, earthquakes, landslides (elemental cover)

🔧 What’s included in the insurance sum?

  • The house itself (including built-in elements)

  • Garages, garden sheds, carports

  • Solar panels, charging stations, heating systems

  • Often calculated based on the 1914 German building value index – we explain this in English

🧠 Important to know:

  • Builder’s warranty only covers construction faults, not natural disasters

  • You remain fully liable if uninsured – even in the first 5 years

  • Without the right policy, one fire or storm could ruin you financially

💬 Who needs this?

  • Anyone who owns a house or apartment in Germany

  • Especially relevant when financing a property

  • 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:
👉 Talk to an expert button

 

INCLUDE MATERNAL DAMAGES

Climate change makes it obvious that natural damage should be included in the insurance contract.


DETERMINE CONTRIBUTION AMOUNT

The bonus amount depends, among other things, on the building material and the fire safety of the house. It is advisable to have the insurer determine the value of your property to rule out underinsurance.


CLAIM IN CASE OF DAMAGES

Make sure that you don't lose valuable time: You are entitled to an advance payment from the insurance company just one month after a damage report, so you should report any damage immediately.


TERMINATION IN CASE OF DAMAGE

In the event of damage, you can use your extraordinary right of termination. However, it is advisable not to cancel until the end of the insurance year, as no insurer is obliged to reimburse you pro rata for the annual premium


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Why Should You Get Home Insurance?

Home insurance is an absolute must for every builder or homeowner. It is a prerequisite for granting a loan or mortgage when financing construction. The shell can be insured, and the policy can be transferred to residential building insurance later. As the owner of a condominium, you need residential building insurance because a fire can destroy everything you own in just a few minutes.


How is the sum insured calculated?

The amount of the insured sum in home insurance is determined based on the current new value of your property. In the event of damage, you will receive from the insurer the amount necessary to replace the house or apartment to an equivalent value. Information about the type of construction, size, furnishings, and house location are further factors in calculating the insured sum. Using a simple valuation scheme, the standard value of the house in 1914 in gold marks is determined based on your information. The standard value from 1914 is multiplied by the annually updated construction price index and is the basis for calculating the current new value. This calculation formula guarantees you the current value of your property. Underinsurance is prevented.


What does home insurance provide?

Home insurance ensures all buildings, outbuildings, and garages mentioned in the insurance contract, including all items permanently attached to them. Damage caused by fire (fire, lightning), tap water (frost, burst pipes), and storm or hail is insured. Natural damage such as flooding or earthquakes can also be included in the insurance contract. In addition, costs for clean-up and demolition work will also be covered.


What to do in case of damage?

Report the damage to your insurer immediately—i.e., within a week. Keep the damage as minimal as possible: If there is damage to the tap water, close the main tap—sealed openings in your home caused by storms or hail. In the event of fire damage, please call the fire department immediately. Support your insurer in the damage investigation and provide all necessary documents.


What is covered by home insurance?

Your home insurance protects you as a house owner from the financial consequences of property damage. The entire building is insured, including all permanently installed objects. As a rule, damage caused by the following risks should be covered:

  • Fire
  • lightning strike
  • Storm with wind force eight or higher
  • hail
  • Tap water damage
  • Overvoltage
  • Storm
  • Unnamed Dangers (All RISK)


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