Financing volume as detailed planning to the bank / lump sum?

So, I have now written everything down. Quite a bit adds up, which really piles up. Could someone please maybe provide values for the open positions I have?

Bauwesenversicherung
Bauherrenhaftpflicht
Baufertigstellungsversicherung
Feuer-Rohbauversicherung
Versicherung für Bauhelfer

Write a total of 2000 euros and that’s it. It could well be only 1000, but oh well.

Construction insurance
Builder's liability insurance
Completion insurance
Fire shell insurance
Insurance for construction helpers

Are these insurances even financed by the bank? After all, the insurances do not contribute to the increase in the value of the house.

Costs for construction-related insurances are part of the ancillary construction costs and thus part of the total costs of a construction project. Ideally, these should not be financed but paid from equity. However, banks may also finance ancillary construction costs under certain conditions (keyword loan-to-value), which is then another question.

Good morning everyone,

many people include the property as equity in a financing or bring a property with a value of XY into the financing. Assuming that the incidental construction costs can no longer be covered by purchasing a property, is that really much more disadvantageous than fully financing the property but being able to repay the incidental construction costs?

Best regards

For the overall planning, non-value-adding ancillary construction costs are also interesting. So one should have at least a rough estimate regarding the order of magnitude.