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Marriage & Partnership — Insurance Tips for Couples | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

Marriage & Partnership

Getting married or moving in together changes your insurance needs. Often you can combine policies and save money.

Insurance After the Wedding

When two households are merged, duplicate insurance coverage often arises. At the same time, the insurance requirements change. We help you stay on top of things and ensure optimal coverage.

What Changes

Combine Liability Insurance

A couple only needs one personal liability insurance policy — the second one can be cancelled.

Adjust Contents Insurance

When moving in together, the insured sum should be adjusted to cover the shared household.

Term Life Insurance

Protect your partner — especially when you have joint loans or property.

Retirement Provision

Make the most of Riester allowances as a married couple and plan your retirement together.

Who Is This Consultation Especially Important For?

Newlyweds

Consolidation of insurance policies and optimization as a couple.

Couples Planning to Marry

Forward-thinking coverage planning for your shared journey in life.

Registered Civil Partnerships

Equivalent coverage to married couples — survivor protection and joint policies.

What coverage is important?

Versichert

Personal Liability Insurance
Disability Insurance
Home Contents Insurance
Retirement Provision
Term Life Insurance

Nicht versichert

Unnecessary duplicate insurance policies
Over-insurance through excessively high coverage amounts
Insurance policies without genuine need

How We Support You

Analyze Your Life Situation

We discuss your current situation, your plans, and your existing insurance coverage.

Determine Your Coverage Needs

Together we identify which insurance policies are important right now and where gaps exist.

Secure Optimal Protection

You receive a personalized concept with the best rates from over 150 insurance companies.

Liability, legal protection, and household contents insurance can generally be combined. Health insurance remains individual.

Yes, significantly. By combining policies and using family rates, you can often save 20-30%.

Yes, with a family rate, both partners and all children are covered under one policy — this is more cost-effective than two individual policies. We will check whether your existing policy can be switched to a family rate.

Yes, especially if one partner earns significantly more or a property is being financed. Cross-ownership policies also save inheritance tax, as the payout does not form part of the estate.

Request Your Couple's Check Now

We optimize your insurance coverage as a couple.

Insurance Check for Couples

Let us together review where you can save and improve your coverage.

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