Building Insurance: Questions

Which gang of thieves demolishes a heating system? Well, never say never, but if you worry about such eventualities, you probably take the biggest insurance package available on the market. The insurance is not meant for small stuff, just to mention it again. For example, I wouldn't insure a glass either; I can pay for a broken pane from ongoing income. That's not a risk I need to transfer to someone else because it doesn't financially bother me. For really large glass surfaces (and I don't mean floor-to-ceiling windows or a sliding door), it can make sense again if the surcharge is right.

Which gang of thieves destroys a heating system? Well, never say never, but if you worry about such eventualities, you probably take the biggest insurance package the market offers.

The heating system is just an example. I know a couple whose expensive leather sofa sets etc. were slashed with a knife, lights smashed.... (we are planning relatively expensive lights) and so on. I would have thought that all of that is included in "normal" burglary protection. Personally, I find that more important than floods far away from the Rhine.

The heating system is just one example. I know a couple who had expensive leather sofa sets etc. slashed with a knife, lights smashed... (we plan relatively expensive lights) and so on. I would have thought that all this is included in "normal" burglary protection. Personally, I find such things more important than floods far away from the Rhine.

All of this is household contents and covered by household insurance, not by building insurance. Only permanently fixed items can be covered by building insurance. Heating and kitchen are still included, but other furniture etc. are household contents.

Do you know how it looks regarding wall and ceiling lights? Feels like a borderline case. They are practically also permanently connected.

These are in my opinion furnishings -> household contents. But it's a good question, in the case of a built-in spotlight or something like that ...

Permanently fixed are a window, door, sink, built-in kitchen, tiles.

Ultimately it doesn't matter, you'll have both insurances anyway, right? In the event of damage, one of the two will cover it. Maybe it makes sense to have both with one company, then there will be no quarrels about responsibility.

The new building will definitely be protected against earthquakes up to 7.5 on the Richter scale. The millennium earthquake in the 18th century was 5.9 and that only 50 km further west in a higher seismic zone. I was advised that it is unnecessary to take out the insurance. That also seems plausible to me.