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Flat house building insurance
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Secure your own house from expensive damage now Gebäudeversicherung

  • Insurance provides protection against water, fire and storm damage
  • Costs vary per place of residence
  • Find the best building insurance with an individual comparison

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Building insurance: Indispensable cost protection for homeowners

If your own house is badly damaged, a building insurance saves the owner spending in the multi-digit area for repairs or even reconstruction. Due to the extensive services, every homeowner should rely on the important protection of the insurance.

Table of Contents:

  • Who needs homeowner insurance?
  • Services
  • costs
  • Insure natural hazards
  • Deduct building insurance for tax purposes
  • change of ownership
  • Which insurance is the right one?

Who needs homeowner insurance?

On a building insurance, also called home insurance or homeowners insurance, no homeowner should do without. Because if there are serious damage to the house , these owners without insurance usually burden heavily financially. If homeowners do not have the money for necessary repairs , they even threaten to lose their home in the worst case scenario . The home is many of them as additional protection in old age. A building insurance is therefore "for real estate owners recommended," says the consumer center Hamburg.

Important: homeowners usually have to arrange extra protection against natural damages. Depending on the place of residence, the costs of insurance can vary greatly, so it is advisable to compare several offers for building insurance in advance.

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Benefits of a homeowners insurance

The homeowners insurance pays for insured damage to the house or to an object that is on the property. The insurance coverage thus includes, for example, a gazebo, a garage or a tool shed.

Usually the insurance covers the following damages:

  • Fire by fire, lightning, explosion or implosion
  • Overload
  • Storms with a wind force of at least 8 or 62 km / h
  • hail
  • Tap water (in the event of improper discharge)
  • Water damage caused by frost and other breakage

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Tip: Learn more about the scope of a building insurance.

Even items such as heaters, a fitted kitchen and antennas that are permanently connected to the building are usually protected by building insurance. Nevertheless, interested parties should clarify at the beginning of the insurance, which objects are insured. In particular, buildings that are not directly part of the property, may need to be insured separately, such as a garden shed in a small garden estate.

Moving items in the home, such as furniture, clothing, computers and other electrical appliances, are not covered by the insurance. If these are also to be protected against damage caused by tap water and fire, additional household insurance is recommended.

What costs are incurred for a building insurance?

The cost of a homeowners insurance can not be quantified . Too many risk factors influence the contribution level. For example, the construction of the house and the type of roofing are relevant. Also important is the location of your own four walls, their use and their facilities . The insurance costs also depend on what value the home has. This is calculated with the so-called value 1914.

How much the price differences due to deviations at the house fail, for example, shows an investigation of the Stiftung Warentest . The consumer organization has used two model houses for its latest building insurance test: a new building and an existing property. Already here , the costs vary with the recommended providers with particularly low contribution of 124 euros to 295 euros per year in Potsdam. Are the houses in the more expensive Dusseldorf, the range is between 233 euros and 480 euros annually.

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Due to the large price differences, the test winners in building insurance often provide only a rough guide. The exact costs for the insurance protection find out interested with uncomplicated with an individual tariff comparison. By querying various criteria of the home can be found quickly optimal providers for their own home.

What does value 1914 and moving new value mean?

How much money insured persons receive in the event of damage depends on the amount of the insured sum. The higher the amount known as the coverage amount, the larger the compensation of the homeowners insurance . To determine the sum insured, the insurance companies use the so-called "value 1914". It says what value the house had in 1914. This year is considered the best comparative value, since construction prices in this last stable.

In order for customers to be adequately insured in the event of damage in order to use the money to prepare the house as it was before the damage , the value 1914 is multiplied by the current construction price index. This is adjusted annually. The replacement value of a house in 2017 ten years after its construction and how high the sum insured should be according to the following example calculation:

Value of the house during the construction 2007 250,000 euros
Building price index 2007 1145
Value 1914 (new building value x 100 divided by index) 21,834 gold marks
Price index 2017 1358
Building value 2017 (value 1914 x index divided by 100) 296,505 euros

Since houses usually stand for several decades, the insurance benefit is constantly being adjusted. This happens with a so-called sliding value factor . The compensation amount does not only correspond to the current cost of the material. The current wages of construction workers are also taken into account.

Do not forget important protection against natural damages

haus unter wasser 0 Building insurance with
Elemental damage protection also pay
at high tide

In addition to securing the basic risks of fire, water, storm and hail , homeowners should also cover damage caused by natural forces . This is useful for two reasons. On the one hand there are more and more violent storms in Germany with heavy rain and high tides. If the basement or even the ground floor is full of rain water, the building insurance usually does not cover the damage to the home without additional elementary damage insurance. On the other hand, the damage caused by it is usually immense. Paying for these out of pocket often overwhelms owners financially.

The elementary damage insurance in connection with the building insurance offers a comprehensive protection against the most important sources of danger for the own home. The supplementary insurance for natural damages can only be concluded in combination with a homeowners insurance.

Observe legal safety regulations

Especially in states with smoke detectors should insured to pay attention to install the small lifesaver in the prescribed places in the home. Missing smoke detectors threaten the loss of your insurance coverage.

Deduct building insurance for tax purposes

Costs that serve the protection or provision of one's own person can usually be deducted from the tax. The protection of your own property is not one of the deductible costs if the owners live in the house. The homeowners insurance can only be claimed for tax purposes if it secures a rented property . In this case, the income before tax is taxed as a provision and can be stated as income-related expenses in the tax return.

Landlords have two ways to get the money back for their insurance. Either they spend the insurance costs on the rental costs or they deduct them from the tax .

Homeowners insurance with change of ownership

If the owner of a building changes, the homeowners insurance must be informed immediately. Because the rights and obligations from the insurance are automatically transferred to the new owner . He can take over the contract or terminate it within one month and switch to another insurer. The latter usually lends itself to a new owner. Because then customers can possibly secure cheaper deals with improved conditions . However, if the house, including insurance, is inherited, there is no right to cancellation.

Attention: Also the insurer can cancel the homeowners insurance with a change of ownership. Then the contract ends one month after receipt of the notice of termination. The termination by the provider should avoid customers, however, otherwise it may be difficult to find a new building insurance.

Which insurance companies are important in the construction phase?

If a residential building is being rebuilt or remodeled, builders must be aware that they are adapting the protection of the insurance. In order to be fully insured, a client liability is especially important. It will reimburse any damage resulting from the construction or building plot.

Building insurance: For vacancy insurance must be informed

If the house is empty, construction or other changes to the home are planned, the building insurance usually has to be informed. Otherwise, there may be no insurance coverage. Because all conversion measures or the vacancy rate of the house count for the insurance as danger-increasing circumstance .

The insurer must also be informed when individual rooms in the house are converted – so if, for example, a study to a nursery or a part or the whole property is to be used as a commercial.

After the conversion of the house , the insurance can be more expensive . Because almost every construction measure increases the value of the property. If owners have not informed the insurance company about the reconstruction, there is a risk of a so – called underinsurance in the event of a claim . This means that the agreed sum insured is set too low, so that the insurer cuts or even denies benefits.

Which building insurance is the right one?

When choosing the right insurance, tests by well-known consumer protection organizations are the ideal decision-making tool. Because there are now dozens of providers and hundreds of tariffs . However, a close comparison of the insurance does not replace the view of the tests, if only because of the various factors that are important for the contribution calculation.

Since there may be several hundred euros between the cheapest and the most expensive building insurances and, in addition, the benefits differ greatly, it is advisable to compare different tariffs individually. With the free tariff comparison, homeowners quickly find the right mix of price and performance for their four walls.

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