Building Insurance 2025: Natural Hazards Now MANDATORY
The coalition has decided: Natural hazards insurance becomes mandatory! Only 54% of buildings currently insured. Premiums rise by average 13.6%. Learn everything about the new requirement and how to protect your property optimally.
Key Facts at a Glance:
- Coalition introduces mandatory natural hazards insurance
- Premiums rise 2025 by average 13.6% (some up to 40%!)
- Only 54% of buildings currently insured against natural hazards
- 2024: EUR 5.5 billion in weather damage
Historic change for homeowners in Germany: The new coalition of CDU/CSU and SPD has determined in the coalition agreement that natural hazards insurance will become mandatory in the future. At the same time, premiums for building insurance are rising significantly in 2025. What does this mean for you as a homeowner? All important information at a glance.
Natural Hazards Insurance Becomes Mandatory
What the Coalition Decides:
Building insurance will only be offered WITH natural hazards protection
Current insurance will be extended to include natural hazards coverage by a deadline
Coverage may be declined (e.g., due to high costs) - details to follow
For long-term reinsurability, state reinsurance will be introduced
What are Natural Hazards?
Natural hazards are damage to buildings caused by natural perils that are NOT covered in standard building insurance.
Covered Natural Hazards:
- Flooding & High Water
- Heavy Rain & Backwater
- Snow Pressure & Avalanches
- Landslide & Subsidence
- Earthquake & Volcanic Eruption
Standard Building Insurance:
- Fire & Blaze
- Water Pipe Damage
- Storm & Hail (from wind force 8)
- Lightning Strike & Surge
Current Situation in Germany
54%
of buildings insured against
natural hazards
46%
of buildings have
NO protection
€5.5B
Weather damage
in 2024 alone
Why is it Becoming Mandatory?
- • Climate Change: Extreme weather events increasing significantly
- • High Damages: Billions in damage from storms (Ahr Valley 2021: over €8B)
- • Underinsurance: Almost half of homeowners without protection
- • Solidarity Principle: Risk distribution among all insured
Premium Development 2025
Drastic Premium Increases
Average Increase:
- • +13.6% additional to index adjustment
- • Inflation adjustment 2025: only +2.6%
- • Some rates rise up to 40%!
Causes for Increases:
- • Damage inflation from costlier repairs
- • Increased material costs (wood, building materials)
- • Higher craftsmen costs
- • Increase in extreme weather events
Costs for Natural Hazards Protection
Additional costs for natural hazards protection vary greatly by risk zone:
Low Risk
+10%
Surcharge on premium
Medium Risk
+38%
Average surcharge 2024
High Risk
+360%
Maximum surcharge
What Homeowners Should Do NOW
Review Existing Insurance
- • Is natural hazards protection already included?
- • What coverage amounts are insured?
- • Does contract run at optimal time?
Compare & Secure BEFORE Mandate
- • Secure better conditions now
- • Get multiple quotes
- • Add natural hazards protection voluntarily
Free Comparison • All Providers • WITH Natural Hazards Protection
Conclusion: Act NOW!
Mandatory insurance for natural hazards is coming - that's decided. Homeowners should use the time until legal implementation to position themselves optimally. Those who compare and sign up early may still secure better conditions before the mandate takes effect.
Act Immediately:
- • Review existing insurance
- • Add natural hazards protection now
- • Compare multiple quotes
- • Determine risk zone
Plan Long-term:
- • Implement preventive measures
- • Adjust coverage amounts
- • Review rates regularly
- • Monitor legal developments
Protect Your Home Optimally - BEFORE the Mandate!
Compare building insurance WITH natural hazards protection now and find the best coverage for your property. Free, non-binding, and in just 3 minutes.