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

Hardly anyone insures it because almost all legal protection insurances exclude it. Of course, it is a gamble: usually the insurance does not apply, but once it does, it pays off. By the way, the costs amount to 0.1% of the construction sum, so I do not have to pay 1,000 €.

What do you expect from the insurance? When I look at the website, I read about 100000 and property and contract law. I'm not a lawyer, but the 100000 do not refer to your construction sum, but to the costs of a legal dispute, and I don't think that's really necessary. A legal dispute can be expensive, but it's not unlimited. That reminds me that I can make over a thousand minutes of phone calls per month and only have to pay 300 euros for it. Also the mentioned rights: I would find out whether your fears are covered by the insurance.

A legal dispute with your general contractor can just get expensive, and when you find yourself having paid 300 euros for the first letter from your lawyer, who tells you that continuing will cost 4000 euros, an expert opinion 5000, and if you lose the other side also gets something, well then you sadly think five times about whether you want to fight over 15,000 euros .....
With legal protection insurance, it doesn't matter to you at all and you can get your rights ...

And who, please, knows in advance that they will get bad craftsmen? Everyone takes them with good conscience ....

I would have taken out insurance immediately after one instance of botched construction work (-; or just ask the robber ...

How long is it valid? Only for the construction phase or also if hidden defects appear after 4 or x years? We didn't have any - if we had built with a general contractor it might have been different. But we were outrageously lucky anyway, as long as we don't have any hidden botched work here (concrete slab incorrectly designed or something) that only becomes noticeable in a few years.....

The German Michel just always likes to be insured. If you can't sleep without it, then take it out, we haven't taken any out.

I think that anyone who takes out construction legal protection will also have an expert. He will have already written his report as part of fulfilling the contract.
A lawyer's letter costs under €100 and no extortionate prices, and yes, I also once sued, and the lawyer explained to me the proportionality of the damage amount and the dispute value or lawyer's costs. But that was a long time ago.
An insurance does exactly what it aims to achieve:

Mit dem Rechtsschutz kann dir das dann völlig schnuppe sein u du zu deinem recht kommen

Everyone believes that nothing can happen with insurance, and then later they have gray hair from the dispute with their insurance, which does not pay out because the fine print excludes it, and regret having dragged the otherwise good general contractor into a lawyer over just a €500 damage instead of talking and claiming their rights in the usual way. That still applies and works as well.