Many homeowners forgo residential insurance and risk their own and the existence of your families. Due to the ever-increasing rents, decide more and more German consumers for buying or building a House and expose are therefore in many cases long-term financial burdens. Because hardly anyone has just 200,000 euros and more in the mattress, to pay for his house. Therefore applied long-term financing through banks and building societies have to tighten their belts. But still the home offers many advantages just at the age when the income of the pension are not as high, as even in professional life. The House is paid off and debt-free, some hundred euros can be in the month by the dropped the rent savings, which then use for other purposes such as, for example, travel, leave. Who has fulfilled the dream of the “own home”, should worry about now, how he can protect this against the daily risks and dangers.
The Homeowners insurance is the first point, which is recommended. This includes the insurance protection of the fire insurance, the tap water insurance, storm and hail insurance. All possible risks, which can lurk in the enjoy such as fires, pipeline ruptures, or damage to the House through storms up to wind force 8, are already covered by this combination. Who regions lives, where, for example, enhanced with avalanches, floods, or earthquakes is, should insure its property against these risks in addition by an elemental damage insurance, or include it in the existing homeowners insurance, because the insurer or for the damage caused for example by flood (E.g. via Riverside leaks water) does not and the injured party for all incurred repair and reconstruction costs yourself should.
Now, there are considerable differences, as in any other services or products in the individual insurance company. Not only the accumulated contributions often vary between up to 50%, but also the services of the respective residential insurance themselves. To obtain an overview about the current market situation and the falling prices of, it is worth to inform about the Internet on relevant subject gateways such as on. In addition provided opportunities through integrated tool’s about the level of contributions has to advance making it ect, taking into account all necessary factors such as risk areas. allows to calculate the accumulated contributions of the respective insurance company directly online. Conclusion: Even if on the part of the legislature are still not fixed rules getrofen been, which prescribes a homeowners insurance homeowners, so every homeowner should have a such insurance policy to protect himself and his family in the event of a claim at least financially. Even if personal Memories are not replaceable, so at least the insured cost for any renovation work be taken over by the homeowners insurance up to the complete reconstruction of the destroyed House. Sure in conclusion of the insurance contract to an insurance cover, which represents the current value of your property and avoid a so-called lower insurance, because your insurer replaces only the costs up to the agreed insured sum. You would have to bear costs which go beyond yourself as a victim.