Additional costs when purchasing a plot of land - property tax?

Horrible. Purely horrible. I'm so sorry for you.

They break in nowadays at any time. Saturday noon is not unusual.

These are terror gangs. They are also marauding here in Velbert. I find it extremely disturbing.
But the police prefer to run speed camera marathons... Catching burglars seems to be really dumb for them.

Burglary and theft: I was also very afraid of this during the construction phase.
It wasn't insurable. I had sleepless nights back then, especially when the valuable heating components were lying around here and not yet installed... so I stayed with Luma and 5 blankets for a few nights in the shell of the building just in case (cold, shivering!)

Now after moving in, I have the complete package, new value insurance everywhere. If someone breaks in: we get the new value. Damages from failed burglary attempts are also covered. For elemental damages, water (wood stud house and water damage rapidly leads to total loss, I think 30 cm flooding on the ground floor is enough) or house fire / lightning strike / tornadoes (laugh) a new house will be built. For me, the risk of such events regarding the value is just way too high, I'd rather pay a few euros more per month.

Insurance-wise, the construction phase is critical, especially for components not yet connected to the building structure (tools, materials).

I am still afraid of burglary today, even though everything was built with security locks and the like and I now have a small alarm system... As long as the gangs can maraud here in this country as unrestrained as they do now, my fear will not diminish.

All the best to you.

Thorsten

Aren't you "underinsured" with that? I read there is a clause that this is not checked (otherwise only a proportional amount would be paid). €16 per month sounds okay though.

Our newly built house was broken into two weeks ago, and I am very glad to have household insurance.

Pure curiosity: Does the previous, old household insurance cover things stolen in the new building without any problem? Or was the household insurance policy adjusted before the start of construction?