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.
Your Home — Protecting Your Most Important Investment
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Many older policies have gaps: missing natural hazard coverage, outdated property valuation, excessive deductibles.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
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.