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Residential buildings insurance

Fire, storms or a burst pipe can seriously damage a house. Residential buildings insurance (Wohngebäudeversicherung) covers repair or rebuilding costs. Banks usually require it for a property loan.

What matters

  • Index-linked replacement valueThe policy should cover rebuilding at today's prices.
  • Natural hazard cover (Elementarschutz)Flooding and heavy rain must be included separately.
  • Drainage pipesPipes outside the building should also be insured.
  • Solar panelsRooftop systems must be accounted for in the policy.

Who is this suitable for?

For owners of houses and flats, as well as landlords.

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