Building insurance - deductible - large savings possible

I don't think much of it either. For example, right after handing over our house, we noticed a small damage on the roof. A roof tile had shifted. As a result, water got in, a roof batten became rotten and broke. The roofer fixed the issue in 30 minutes, and the insurance paid the bill without any problems. However, the savings you mentioned would have been immediately wiped out.

By the way, 1000 or 2000 EUR already hurts us. Reserves are available, but we don't just pay that out of petty cash.

By the way, we are also with Domcura.

We have previously had a damage where part was covered by the building insurance and the other part by the household contents insurance. The appraiser from the household contents insurance arrived only after about 2 months. But by then, of course, we had already replaced many things ourselves and had to front the money initially. When you have already spent 1000 - 2000 EUR and additionally have to pay the deductible, it eventually stops being so funny.

A non-existent deductible does not force anyone to not settle minor damages themselves.

If you do not plan to report minor damages, you do not need to pay the surcharge that includes the minor damages.

By the way, Domcura is not an insurance company, but an intermediary. Depending on the policy, it is covered by another insurance company, which should be evident in the insurance certificate.

You can calculate however you want - the insurance companies can do it statistically significantly better. They have trained mathematicians sitting there who do nothing else all day. And they get paid a lot of money for that. It may be that you are lucky and pay less. In any case, the majority will not.

If you do not intend to report minor issues, you do not need to pay the surcharge that includes minor issues. Domcura is not an insurance company, but rather an intermediary. Depending on the policy, it is covered by another insurance company, which should be evident in the insurance certificate.

We seem to have different definitions of minor issues.

We seem to define trivial matters differently.

Could be. I am referring to the market-standard deductibles, which the OP already listed. I would agree on a deductible of at least €1000. Anything less is peanuts; we are talking about a building worth >€400K in the case of a single-family house. If you can’t even put down a thousand for a repair, you have calculated incorrectly. That’s not to say I throw money around; €1000 bothers me too, but that’s not a risk that needs to be (expensively) insured. And as I said, report such small claims 2-3 times and then you’ll have the cancellation in your hands. The follow-up insurance will have a premium double or triple the previous one, and you HAVE to take it, otherwise your financing will be canceled as well...

So with the €2000 deductible, I would save €140 per year on insurance premiums. That’s easy to calculate. Personally, I think I would be willing to pay a maximum of €500. But if it’s an unfavorable year with many storms, it adds up quite quickly.