Storm, Heavy Rain, Fire — Your Home Is Your Biggest Investment

Water damage from burst pipes costs an average of 3,000 EUR, while fire damage can be significantly higher. Home building insurance protects your property against existential risks.

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Your Home — Protecting Your Most Important Investment

Fire, storm, hail, burst pipes, and natural hazards can quickly cause six-figure costs. Home building insurance protects the structural fabric of your house. We review the correct insured value and advise on useful additions such as natural hazard insurance.

What Residential Building Insurance Covers

Fire & Lightning

Rebuilding or repair following fire, explosion, implosion, and direct lightning strikes.

Water Damage

Damage caused by burst pipes, faulty heating systems, or leaking connections — including leak detection and excavation.

Storm & Hail

Roof damage, displaced tiles, broken skylights from wind force 8 and above.

Natural Hazards

Flooding, heavy rainfall, earthquakes, landslides, snow pressure — increasingly indispensable coverage.

Additional Building Structures

Garages, carports, garden sheds, and permanently installed fixtures such as fitted kitchens.

Loss of Rent

Compensation for lost rental income during the repair or rebuilding phase.

Who is building insurance for?

Homeowners

Essential insurance for everyone who owns a house — whether owner-occupied or rented out.

Landlords

Rental income protection and safeguarding your investment property against material damage.

Builders

Fire shell construction insurance during the building phase, then transition into building insurance.

Condominium Owners

Collective insurance through the owners' association — contribution included in the building maintenance fees.

What is covered?

Versichert

Fire, lightning, explosion and implosion
Water damage from pipe bursts or frost
Storm and hail from wind force 8
Natural hazard damage (flooding, landslide, earthquake, snow pressure — depending on tariff)
Glass breakage on building glazing
Loss of rental income due to uninhabitability
Clearance and demolition costs following a claim
Expert appraisal costs

Nicht versichert

Normal wear and tear and aging of the building
Damage due to lack of maintenance
Intentionally caused damage
Damage caused by war and civil unrest
Damage to household contents (→ Contents Insurance)
Dry rot damage unrelated to an insured event

How We Optimize Your Building Protection

Analyze the Property

Year of construction, living area, construction type, heating, roof covering — capturing all relevant risk characteristics.

Review Existing Coverage

Many older policies have gaps: missing natural hazard coverage, outdated property valuation, excessive deductibles.

Market Comparison

Independent comparison of all relevant insurers by coverage and price.

Implement Optimization

Seamless switching or supplemental coverage — we take care of everything.

Frequently Asked Questions About Residential Building Insurance

Yes, strongly recommended. Due to climate change, heavy rainfall events are increasing even away from rivers. Without natural hazard coverage, the insurance will not pay for flooding or heavy rain damage.

A notional construction value in Goldmark, multiplied by the current construction price index. This ensures your insured sum automatically adjusts to rising building costs.

The sliding replacement cost factor is adjusted annually. In 2024, the increase was 7.4%. This is no reason to switch providers — it ensures that you receive the full rebuilding value in the event of a claim.

For rented properties yes — as a deductible business expense. For owner-occupied properties generally not, unless a home office is recognized for tax purposes.

Compare Building Insurance

Free and non-binding.

Check & optimize your building protection

We analyze your existing policy and identify optimization potential — free of charge and without obligation.

Book an appointment 0711 · 2172 3240