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Your own home: A dream that deserves protection
Owning a home is far more than just a roof over your head – it's a place of security, a retreat for the family, and often the biggest financial investment of your life. Many people dream of owning a house or renovating a property without considering the risks involved. An unexpected burst pipe, a house fire, or a storm that damages the roof and windows can not only be costly but also severely disrupt daily life.
With the right insurance, you ensure your home is comprehensively protected. You not only safeguard your investment, but also your quality of life. From building insurance to contents and liability coverage, to special solutions for builders and renovators – tailored protection gives you the security you need to enjoy your home with peace of mind and joy.
Fully covered: building, household contents and liability insurance
Solid insurance begins with the Building insurance, Insurance protects your house and all permanently installed components such as walls, roof, doors, and windows. Damage from fire, tap water, storms, or hail can quickly lead to high costs, which, without insurance, can become a significant financial burden. Even minor water damage from a burst pipe can cost several thousand euros – and that's without considering repairs or consequential damage.
Additionally, the Home contents insurance Everything you use and value daily: furniture, electronics, clothing, jewelry, and other personal belongings. It covers not only fire and water damage, but also burglary, robbery, vandalism, and storm and hail damage. This ensures you won't be left with the costs in case of damage.
Another crucial component is the Liability insurance. It protects you from financial claims by third parties, for example, if a visitor falls on your property, a pipe bursts and damages a neighbor's house, or minor accidents occur on your property. Combined, these insurance policies offer comprehensive protection that safeguards both your property and your personal financial security.
Building owner, modernization and individual consultation
If you are planning a new construction project or carrying out a renovation or modernization of your property, the risks increase considerably. Construction sites harbor dangers: materials can be stolen, buildings under construction can be damaged, or accidents can occur. Builder's insurance protects you throughout the entire construction phase – from planning to completion – and covers damage to the building shell, building materials, and liability claims that could arise for third parties.
Specialized insurance is also worthwhile for renovations. Whether it's new windows, a loft conversion, or the installation of a photovoltaic system – even minor incidents can be costly. A modern insurance package not only protects your home but also safeguards the long-term value of your investment.
Every home is unique, and its insurance should be tailored to your individual needs. We analyze your property, your plans, and your risks to develop a customized insurance concept. This ensures you are optimally prepared for everyday life, renovations, or unexpected events – allowing you to fully enjoy your home without worrying about the financial consequences.
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We will gladly advise you comprehensively and personally on your request.
FAQ – Frequently Asked Questions
Home insurance protects your house from the financial consequences of damage caused by fire, water leaks, storms, or hail. Without it, you would have to bear the costs yourself, which can quickly become a threat to your livelihood.
It protects your movable objects in the house – furniture, electronics, clothing, jewelry – against damage from fire, water, burglary, vandalism, storm and hail.
Yes. Personal liability insurance covers damages that you or your family cause to third parties. Homeowners are also advised to take out homeowner's liability insurance.
No, it's not legally required, but highly recommended. It protects your construction project from unforeseen costs due to damage, theft, or accidents during the construction phase.
Yes. Building insurance policies usually offer additional options for natural hazards such as flooding, earthquakes, or snow pressure. Check your individual needs based on the location of your house.
The sum insured should correspond to the reconstruction value of your house, not the purchase price. We will help you determine the exact value correctly.
No, not usually. You need additional insurance or an extension to your building insurance to cover damage to solar panels.
Your building or liability insurance may cover the costs of the damage to the neighboring house, depending on the policy and the scope of coverage.
Many policies also offer insurance coverage for stolen items that are temporarily outside the home, e.g., while traveling.
Individual consultation is crucial. We examine your property, your life situation, and your risks to develop a tailor-made protection package.