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

By the way, it occurs to me: Quickly install the KNX switch tomorrow.

Even during the lunch break the doors were open and no craftsman was there. Anyone could have helped themselves to the tools.

Sorry - but I had to suppress a smile while reading. Craftsmen are what the name says: craftsmen. Not bouncers or security; they do their job and only watch their tools; for example, a Hilti (most have to sign extra liability forms here). We are currently renovating... with craftsmen I know very well; I entrust them with my home (that is, the way to it). Still, I would never in my life store my tools away early; they should do their job Rheinische Grüße

Wrong, my household insurance covers everything – specifically under the item [Aussenversicherung].

And of course the replacement value – even for used clothes. That is standard in household insurance and nothing special.

Financially, we have not suffered any loss – quite the opposite.

Where are you guys, Sebastian, and what do you pay per month? As I said... so far I have only found some that replace only xy %.

Where are you, Sebastian, and what do you pay per month? As I said... so far I have only found ones that replace only xy %.

R&V - but I have more insurance policies there and work within a group - so one number won’t help you

I will still take a look there. Thanks to you.