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Building Insurance Comparison
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Building Insurance Guide
What's Covered
- Fire & Explosion: Complete rebuilding costs after fire damage
- Storm & Hail: Roof repairs, window replacement, structural damage
- Water Damage: Burst pipes, flooding, water system failures
- Additional Coverage: Debris removal, architect fees, temporary housing
- Extended Coverage: Elementary damage like earthquakes and floods
Cost Examples
- Fire damage rebuilding: €200,000-500,000+
- Storm roof repairs: €15,000-50,000
- Water damage restoration: €20,000-80,000
- Temporary accommodation: €100-200/day
- Debris removal costs: €10,000-30,000
Types of Building Insurance Coverage
Basic Coverage
Fire, lightning, explosion, aircraft crash
Extended Coverage
Storm, hail, water damage from pipes
Elementary Damage
Flood, earthquake, landslide, snow load
Money-Saving Tips
Coverage Optimization
- • Choose building sum based on current construction costs
- • Add underinsurance waiver for full protection
- • Consider deductible amounts (€150-500)
- • Review coverage annually for building improvements
Premium Reduction
- • Bundle with household insurance for discounts
- • Install security systems for premium reductions
- • Choose annual payment instead of monthly
- • Compare providers every 3-5 years
Expert Answers
Is building insurance mandatory in Germany?
Building insurance is not legally required, but most mortgage lenders require it as loan security. For homeowners, it's essentially indispensable protection.
How is the building sum calculated?
The building sum should equal current rebuilding costs (€1,200-2,500 per m² living space). Use the 1914 building value method or current construction cost calculation.
What about building improvements and renovations?
Notify your insurer immediately of major renovations or extensions. The building sum must be adjusted to reflect the increased property value and rebuilding costs.
Are solar panels and green technology covered?
Modern policies typically include photovoltaic systems, heat pumps, and energy-efficient installations. Check your policy or request specific coverage.