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Divorce & Separation — Adjusting Your Insurance | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

Divorce & Separation

A separation also affects your insurance coverage. We help you make all the necessary adjustments.

What Changes

When separating, many insurance policies need to be adjusted or taken out anew. From household contents to liability insurance to retirement planning — we go through everything systematically.

Important Steps

Own Liability Insurance

After moving out, you will need your own personal liability insurance.

Adjust Contents Insurance

The insured sum must be adjusted to the new household.

Motor Insurance

Change of registered keeper and policyholder should be done in good time.

Retirement Provision

Pension equalisation, Riester allowances and occupational pension schemes — everything needs to be reorganised.

Who benefits most from this consultation?

Recently Separated

Setting up your own insurance contracts and dividing existing policies.

Single Parents After Separation

Coverage as the sole caregiver — Disability Insurance and Term Life Insurance.

Divorced Homeowners

Adjusting Buildings and Contents Insurance after separation.

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 excessive 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.

Joint policies (Liability Insurance, household contents, legal protection) must be split or rewritten. The partner who moves out needs their own contracts.

Usually only for a transitional period. We recommend taking out your own contracts promptly.

Joint policies (Liability Insurance, household contents, legal protection) must be split or individually taken out anew. The beneficiary designation on term life insurance must be updated.

Yes, during the pension rights equalization process, retirement entitlements are split in half — this affects the statutory pension, Riester, Rürup, and company pension schemes (bAV). We review the impact on your retirement provision and assist with rebuilding it.

Request Confidential Consultation

We help you discreetly reorganize your insurance coverage.

Confidential Consultation

We help you discreetly and sensitively reorganize your insurance coverage.

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