Finding construction insurance - experiences?

Take a look at Domcura.

So we have fire shell construction with subsequent residential building also at Huk24

How does it work with these combined insurances? Do you pay for the residential building from day one and have the fire shell construction insurance included, or is the fire shell construction free and the residential building insurance only becomes due for payment upon completion?

How do these combined insurances work? Do you pay the residential building insurance from day one and have fire shell insurance included, or is the fire shell insurance free and the residential building insurance only payable from completion?

Normally the latter. You take out the building insurance for 2-3 years, then the fire shell is free in advance. There was a good comparison recently in Finanztest, there you can see what should be covered.