Builder's legal protection - to do or not to do?

Hello everyone,

we have an offer from Örag for a builders’ legal protection insurance.
Coverage amount per case €100,000, deductible €250 each.
Costs: a lean €1000/year for at least 3 years = €3,000.

Our framework conditions:
- personal view: good and sensible insurance yes, overinsurance no
- construction with general contractor, involved for 20 years, all satisfied builders in the surrounding area
- construction-accompanying quality monitoring by an expert we have – I’m also aware that this won’t prevent legal disputes, but they share our goal of completing a clean build without nitpicking (where it is unnecessary)

I know, I know. €3,000 is peanuts compared to the total sum. But you yourselves know how it is: if you say that every time for €3,000, it quickly becomes €20-30k. So somewhere we have to start. And we wonder if this is overinsured or if we are skimping at the wrong end.

Your opinions?

I'll put it this way. Do I find a building expert and construction legal protection sensible? Yes, I do. Do I have both? No! Can I sleep peacefully? Yes!

But that's only because no botchers are building up my house. If it were different and there was botching, then I would be annoyed now!!!

I am considering it myself, I also financed it through Sparkasse. I know firsthand what construction processes currently cost and will take out the legal expenses insurance.

I'll put it this way. Do I find a building expert and construction legal protection useful? Yes, I do. Do I have both? No! Can I sleep peacefully? Yes!

But that's only because no botchers are raising my house.
If it were otherwise and there was botching, I would be upset now!!!

How are you supposed to know (in advance) that no botchers are working on your site?

The 3000 euros is a gamble. You can do it. Sometimes you lose, sometimes you win.

I would have done it ... but unfortunately not financed through [Sparkasse] ....

Hm... there are very few who insure a building and that for good reason. In that respect, it is still quite cheap. Therefore, I would carefully read the fine print to see if they will actually pay, how, and when one expects that. Personally, I would skip it anyway.