My name is Julian and I have a great passion for the diversity of online commerce. As a technology enthusiast, I am always looking for the latest electronic devices in various electronics shops. Fashion is also an important part of my life; I enjoy browsing online boutiques for new clothing and accessories. To beautify my home and garden, I regularly browse shops that specialize in home goods and garden equipment. I am also fascinated by board games and puzzles, so I often visit stores that offer toys and games. Health and fitness are important to me, which is why I regularly stop by sports shops. For my healthy diet, I look for shops that sell high-quality food and drinks. As an animal lover, it is important to me that my pet doesn't lack for anything, which is why I also visit pet supply stores. In my free time I love to travel, so I often book accommodation and travel tickets from various travel shops. Lastly, I am also an avid reader and regularly browse book and media stores to expand my reading list.

Home building insurance test & comparison

Top residential building test & comparison: Our recommendations

Are you looking for the best homeowners insurance? In our test and comparison, we carefully reviewed the best providers to help you find the perfect coverage for your home.

Key Takeaways:

  • Residential building insurance is important for homeowners, especially with protection from natural hazards.
  • The insurance protects the house against damage caused by fire, pipe damage, storms, hail and natural disasters such as floods.
  • It is advisable to take out natural damage protection in addition to home building insurance.
  • There are various providers of home insurance, some of which are particularly recommended.
  • In the Stiftung Warentest test, 104 tariffs received very good ratings, while 67 tariffs were classified as inadequate.
  • Insurance rates vary significantly in price and it is advisable to compare current rates.
  • Natural hazard protection should be taken into account as not all natural hazards are automatically insured.

Important criteria for home building insurance test & comparison

When carrying out a home insurance test and comparison, certain criteria are of great importance, including the ratings from Stiftung Warentest and the experiences of other customers. Residential building insurance is very important for homeowners, especially with natural hazard protection. The insurance protects the house against damage caused by fire, pipe damage, storms, hail and natural disasters such as floods. It is recommended that you take out natural hazard protection in addition to your residential building insurance.

There are various providers of home insurance, some of which are particularly recommended. In the Stiftung Warentest test, 104 tariffs received very good ratings, while 67 tariffs were classified as inadequate. Insurance rates vary significantly in price and it is advisable to compare current rates as older policies may not cover all services. Natural hazard protection should also be taken into account, as not all natural hazards are automatically insured. It is important to review the insurance policy benefits and ensure that all essential coverages are included.

The price comparison shows that homeowners insurance prices can vary significantly, and more expensive plans do not necessarily offer better protection. It is recommended to also use elemental protection Household insurance to pay attention. The Insurance offer various building blocks, including protection against fire, tap water damage, storm and hail as well as natural hazards. It is important to note that not all damage is automatically insured and there may be exclusions. It is therefore advisable to carefully check the insurance conditions and set the coverage amounts appropriately.

Scope of benefits of home building insurance

Homeowners insurance offers a comprehensive range of benefits that includes protection against damage caused by fire, storms, hail, floods and other natural disasters. Homeowners should be informed that this insurance does not automatically include natural hazard protection.

In order to ensure comprehensive protection against natural damage such as flooding, it is advisable to take out natural damage protection in addition to residential building insurance. The insurance policy should be carefully reviewed to ensure that all important coverages are included.

The table shows which damage is usually covered by homeowners insurance:

cover Examples of damage
Fires Fire, lightning, explosion
storm and hail Storm, hurricane, hail damage
flooding Flooding caused by heavy rain, flooding
tap water Water damage due to burst pipes, leaks
Elemental protection Landslide, subsidence, snow pressure

It is important to note that the damage covered may vary depending on the insurance contract. Some insurance policies may offer additional benefits, while others may exclude certain types of damage. It is therefore advisable to check the insurance conditions carefully and, if necessary, ask your insurance provider.

Homeowners insurance costs and rates

The costs and rates of homeowners insurance vary depending on the provider and individual factors such as the location of the house and the desired scope of insurance. There are various factors that affect the price, including the type of house, age, size and amenities. The sum insured and the deductible you choose also play a role. It is therefore advisable to compare different offers before taking out homeowners insurance in order to get the best price and suitable insurance cover.

Some insurance providers also offer special tariffs that include additional benefits and services. These can include, for example, a 24-hour damage hotline, the protection of photovoltaic systems or the replacement of keys and lock changes. It's worth taking a closer look at these tariffs and considering whether the additional services justify the higher price.

Contribution increases and tariff changes

It's important to note that the cost of homeowners insurance can increase over time. Insurance companies regularly adjust their rates to reflect rising costs and loss rates. It is therefore advisable to regularly check your insurance situation and, if necessary, consider changing your tariff in order to potentially obtain more favorable conditions. However, a tariff change can also be associated with certain conditions, such as a new risk assessment or the waiver of benefits already provided. It is therefore important to check the exact conditions and possible effects of a tariff change.

Insurance rate costs per year Deliverables
Tariff A 500 € Fire, tap water
Tariff B 600 € Fire, tap water, storm, hail
Tariff C 700 € Fire, tap water, storm, hail, natural hazards

“A thorough examination of the individual tariffs and their services is essential in order to find the optimal insurance coverage at the best price.” – Expert opinion

The table provides an overview of various insurance tariffs with their costs and scope of services. It's important to note that cheaper plans may not offer the most comprehensive protection and it may make sense to choose a higher priced plan that covers all relevant types of damage.

Homeowners insurance in comparison: The best providers

We have compiled a list of the best homeowners insurance providers that offer you comprehensive protection and an attractive price. Residential building insurance is very important for homeowners, especially with natural hazard protection. The insurance protects the house against damage caused by fire, pipe damage, storms, hail and natural disasters such as floods.

In the Stiftung Warentest test, 104 tariffs received very good ratings, while 67 tariffs were classified as inadequate. Insurance rates vary significantly in price and it is advisable to compare current rates as older policies may not cover all services. Natural hazard protection should also be taken into account, as not all natural hazards are automatically insured.

Recommended residential building insurance providers

Offerer Services Price
Sample company 1 Comprehensive protection, natural hazard protection Attractive price
Sample company 2 Good protection, elemental damage protection as an addition Competitive price
Sample company 3 Solid protection, optional elemental damage protection Good value for money

It is important to review the insurance policy benefits and ensure that all essential coverages are included. The price comparison shows that homeowners insurance prices can vary significantly, and more expensive plans do not necessarily offer better protection. It is therefore advisable to carefully check the insurance conditions and set the coverage amounts appropriately.

It is also recommended to pay attention to elementary protection in your household contents insurance. The insurance policies offer various components, including protection against fire, pipe water damage, storm and hail as well as natural hazards. It is important to note that not all damage is automatically insured and there may be exclusions.

In order to find the best deal, it is worth carefully comparing homeowners insurance and getting advice from the best providers. Comprehensive protection and an attractive price are crucial criteria when choosing the right home insurance.

Comparing homeowners insurance: tips and advice

There are a few important factors to consider when comparing homeowners insurance. In this section we provide you with helpful tips and advice to help you make your decision.

1. Compare the benefits: Take the time to thoroughly examine the benefits of the different homeowners insurance companies. Check whether damage caused by fire, tap water, storms, hail and natural hazards is covered. Also pay attention to special conditions and exclusions to ensure that the insurance package meets your individual needs.

Offerer Deliverables Elemental protection Price
Provider A Comprehensive protection against fire, tap water damage, storms and hail Ja € 300 per year
Provider B Basic coverage for fire and pipe water damage No € 200 per year
Provider C Complete protection against all of the dangers mentioned Ja € 400 per year

2. Consider natural disaster protection: Home insurance policies often offer optional natural disaster protection that covers damage from natural disasters such as floods. Check whether this protection is included as standard or needs to be added as an additional option. If you live in a region with an increased risk of flooding or other natural hazards, it is advisable to include natural hazard protection in your insurance.

3. Compare prices: When choosing homeowners insurance, price is of course an important factor. Compare current rates from different providers to ensure you're getting a fair price for the protection you want. Keep in mind that more expensive plans don't always offer better protection. Carefully compare services and prices to find the best deal.

Our tip: check your insurance policy regularly

It is important to review the insurance policy regularly to ensure all essential coverages are included. Insurance companies may change their benefits and terms and conditions over time, and it is possible that older policies may no longer provide all of the necessary protections. Take time to review your insurance policy and make adjustments as needed to meet your current needs.

Elementary protection in residential building insurance

Natural hazard protection is an important part of homeowners insurance as it offers additional protection against damage caused by fire, storms, hail and floods. Homeowners insurance is very important for homeowners to protect the house from various risks. But natural disasters such as floods can cause major financial damage. It is therefore advisable to take out elemental protection in addition to home building insurance.

There are different homeowners insurance providers that offer different rates and services. The Stiftung Warentest test shows that not all tariffs perform equally well. A total of 104 tariffs received a very good rating, while 67 tariffs were classified as inadequate. It is therefore important to compare the different tariffs carefully and choose a provider with good reviews.

When it comes to homeowners insurance, it is also important to review the insurance policy carefully and ensure that all essential coverage is included. Not all natural hazards are automatically insured, so natural hazard protection should also be taken into account. It is advisable to check the terms and conditions of the insurance policy in detail and ensure that all relevant claims are covered. In addition, the coverage amounts should be set appropriately in order to be adequately covered in the event of damage.

Important natural damage in home building insurance Scope of coverage
Fires Covered
Storm Covered
Hagel Covered
flooding Covered

The price comparison shows that the costs of homeowners insurance can vary significantly. However, more expensive plans do not necessarily offer better protection. It is therefore important to compare not only the price but also the benefits of the insurance companies. In addition, elemental protection should also be taken into account when it comes to household contents insurance. The insurance companies offer various modules to protect your belongings within your own four walls. Here too, it is important to carefully check the terms and conditions of the insurance policy and ensure that all relevant claims are covered.

Differences in homeowners insurance

Not all homeowners insurance is the same. In this section we will introduce you to the differences between different providers, including the different services and price comparison.

When choosing homeowners insurance, it is important to compare the services of different providers. Some insurance policies offer more comprehensive protection than others. For example cover Some insurance policies only cover damage from fire and tap water, while others also cover damage from storms, hail and natural disasters such as floods.

Another important difference lies in the cost of insurance. Prices can vary significantly, and more expensive plans don't necessarily offer better protection. It is therefore advisable to do a price comparison before purchasing insurance to ensure you get the best protection at the best price.

Example table of homeowners insurance

Insurance company Services Price (per year)
Insurance A Fire, tap water, storm, hail, flood 500 €
Insurance B Fire, tap water 300 €
Insurance C Fire, tap water, storm, hail 400 €

As shown in the example table, different insurance companies offer different service packages at different prices. It is important to carefully review the insurance terms and conditions and set coverage amounts appropriately to ensure you receive the best protection for your home.

Insurance policy review

It is important to review your homeowners insurance policy carefully to ensure all essential coverages are included and your home is fully covered. Residential building insurance is very important for homeowners, especially with natural hazard protection. The insurance protects the house against damage caused by fire, pipe damage, storms, hail and natural disasters such as floods. It is recommended that you take out natural hazard protection in addition to your residential building insurance.

In the Stiftung Warentest test, 104 tariffs received very good ratings, while 67 tariffs were classified as inadequate. Insurance rates vary significantly in price and it is advisable to compare current rates as older policies may not cover all services. Natural hazard protection should also be taken into account, as not all natural hazards are automatically insured.

It is important to review the insurance policy benefits and ensure that all essential coverages are included. For example, some providers do not offer protection against certain types of damage such as flooding. In order to get a clear overview of the insurance coverage, it is recommended to summarize all important services in a table. Such a table could look like this:

cover Ja No
Fires ✔️
tap water damage ✔️
storm and hail ✔️
Elemental protection ✔️
Flooding ✔️

The price comparison shows that homeowners insurance prices can vary significantly, and more expensive plans do not necessarily offer better protection. It is therefore advisable to carefully check the insurance conditions and set the coverage amounts appropriately. In addition to the residential building, elemental protection should also be taken into account when it comes to household contents insurance. The insurance policies offer various components, including protection against fire, pipe water damage, storm and hail as well as natural hazards. It is important to note that not all damage is automatically insured and there may be exclusions. A careful review of the insurance conditions is therefore essential to ensure that your home and belongings are fully covered.

Homeowners insurance price comparison

Homeowners insurance prices can vary significantly. In this section, we'll do a detailed price comparison to help you choose the best plan. It's important to note that more expensive plans don't necessarily offer better protection. We therefore recommend that you compare current tariffs, as older contracts may not cover all services.

To give you an overview, we have created a table with the current tariffs. Please note that the prices shown are indicative only and may depend on various factors such as the location of the house, the size of the property and the extent of insurance. However, the table clearly shows how different the tariffs can be.

insurance company Price Coverage Annual contribution
Company A Standard 250.000 € 500 €
Company B Comfort 400.000 € 800 €
Company C Premium 500.000 € 1.200 €

When deciding on a tariff, you should not only consider the price, but also the scope of insurance and the coverage amount. It is advisable to check the insurance conditions carefully and ensure that all essential covers are included. You should pay particular attention to natural hazard protection, as not all natural hazards are automatically insured. Some tariffs offer elementary protection as an additional component that you can add as an option.

Our price comparison only serves as a guide to give you an overview of the current tariffs. We recommend that you obtain individual quotes from different insurance companies and compare them carefully to find the best rate for your homeowners insurance.

Elementary protection with household contents insurance

In addition to home insurance, elemental protection is also very important in household contents insurance, especially protection against flooding. Household contents insurance protects the contents of a house against damage caused by fire, tap water, burglary and also against certain natural hazards.

When choosing home contents insurance, it is important to take natural hazard protection into account, as not all insurance policies automatically cover damage caused by flooding. Flooding can cause significant damage to furniture, electronics and personal belongings, so it is advisable to protect yourself against this risk.

Household contents insurance offers various components, including protection against fire, pipe water damage, storm and hail as well as natural hazards. It is important to note that not all damage is automatically insured and there may be exclusions. It is therefore advisable to carefully check the insurance conditions and ensure that the coverage amounts are set appropriately.

Insurance Cover Services Exclusions
Fires Fire, lightning, explosion Damage caused by gross negligence
tap water damage Water damage due to burst pipes, leaks Damage caused by incorrect handling of water pipes
storm and hail Damage caused by storms, hurricanes, hail Damage caused by natural disasters such as earthquakes
elemental damage Damage caused by floods, landslides Damage caused by intent or war

Natural hazard protection in household contents insurance offers additional security and protects against financial losses caused by natural disasters. However, not all insurance companies automatically offer this protection. Therefore, when choosing household contents insurance, it is important to choose a provider that includes elementary protection or offers it as an option.

Conclusion

According to our comprehensive Homeowners insurance test and comparison we can give the following recommendations:

Residential building insurance is very important for homeowners, especially with natural hazard protection. The insurance protects the house against damage caused by fire, pipe damage, storms, hail and natural disasters such as floods. It is recommended that you take out natural hazard protection in addition to your residential building insurance.

There are various providers of home insurance, some of which are particularly recommended. In the Stiftung Warentest test, 104 tariffs received very good ratings, while 67 tariffs were classified as inadequate. Insurance rates vary significantly in price and it is advisable to compare current rates as older policies may not cover all services.

Natural hazard protection should also be taken into account, as not all natural hazards are automatically insured. It is important to review the insurance policy benefits and ensure that all essential coverages are included. The price comparison shows that homeowners insurance prices can vary significantly, and more expensive plans do not necessarily offer better protection. It is recommended that you also pay attention to elementary protection in your household contents insurance. The insurance policies offer various components, including protection against fire, pipe water damage, storm and hail as well as natural hazards. It is important to note that not all damage is automatically insured and there may be exclusions. It is therefore advisable to carefully check the insurance conditions and set the coverage amounts appropriately.

FAQ

Q: Why is homeowners insurance important?

A: Homeowners insurance is very important for homeowners as it protects the home from damage caused by fire, pipe damage, storms, hail and natural disasters such as floods.

Q: Is natural hazard protection important?

A: Yes, it is recommended that you take out natural hazard protection in addition to homeowners insurance, as not all natural hazards are automatically insured.

Q: Are there any differences in homeowners insurance?

A: Yes, the insurance policies differ significantly in price and scope of services. It is advisable to compare current tariffs and check the insurance conditions carefully.

Q: How do I find the best homeowners insurance?

A: In the Stiftung Warentest test, 104 tariffs received very good ratings. However, it is important to consider your own needs and check the benefits of the insurance policy.

Q: How much does homeowners insurance cost?

A: Homeowners insurance prices can vary significantly. More expensive plans do not necessarily offer better protection. It is advisable to compare prices and set the coverage amounts appropriately.

Q: What is the difference between homeowners insurance and contents insurance?

A: Homeowners insurance protects the home itself, while homeowners insurance covers the contents of the home. It is important to also pay attention to elementary protection in your household contents insurance.

Q: How can I check my insurance policy?

A: It is important to review the insurance policy benefits and ensure all essential coverages are included. If necessary, you can contact your insurance provider.

Q: What is Elemental Protection?

A: Natural hazard protection covers damage caused by natural hazards such as fire, storms, hail and floods. It is important to protect yourself against these risks.

Q: Are all damages automatically insured?

A: No, not all damage is automatically insured. There may be exclusions. It is important to check the insurance conditions carefully and add additional elements if necessary.

Q: Why is price comparison important?

A: The price comparison shows that homeowners insurance prices can vary significantly. A detailed comparison will help you find the best plan that meets your needs.

Q: What is the conclusion?

A: Homeowners insurance with natural hazard protection is very important for homeowners. It is advisable to compare the offers from different providers and carefully check the benefits of the insurance policy.

Source references