Heating question new building KFW 70 air heat pump + solar, ice storage?

I think the building insurance is more expensive. And the fire department is also not so enthusiastic about photovoltaic systems

No, it isn't. You shouldn't choose insurance based only on the price.

No, it isn’t either. You shouldn’t choose insurance just based on the price.

If you have a more expensive one that includes photovoltaics, it comes out the same as a cheaper one that then incurs additional costs; in total, you pay money for the service... if you have the more expensive one but no photovoltaics, you pay too much. In total, you pay for photovoltaics either way.

If you have a more expensive one that includes photovoltaics, it comes out the same as a cheaper one on which additional costs are added; in total, you pay money for the performance...if you have the more expensive one but no photovoltaics, you pay too much. In total, you pay for photovoltaics either way.

That is only partially true. Even without a photovoltaic system, I would have taken the insurance. For me, it was important that some points are insured as well. For that, I had to take an insurance that automatically includes the photovoltaic system. Therefore, I also have NO additional insurance costs for the photovoltaic system; by the way, the price share for a photovoltaic system (usually systems up to 10 kWp are automatically included in reasonable insurances) is negligible since there is only an extremely low claim rate (this is what one of the largest insurers in Germany says internally). Anyone who takes out additional insurance for a photovoltaic system is throwing money out the window and should rather consider their home insurance.

"Cheap" insurances are cheap, but then also provide little coverage. It's similar to the recurring discussions here about "cheap" houses that in the end aren't cheap after all.

There is still a lot of ignorance here. Personally, I no longer have an extra insurance and insure my photovoltaic system through the building insurance. That only costs half, about 20 euros.
The 1500 euros are fully installed, including scaffolding and everything.
If an inverter breaks down after, for example, 15 years, why should I still insure the minimal residual value? And even if: 20 euros x 20 years is 400 euros and thus 80 euros per kWp. So even with that I remain below 10 cents.
I can only mention my own consumption, which has been 38-39% since the beginning.
Why new household appliances? Once electricity is in the line, it is no longer distinguishable, not even for household appliances.
For your better understanding: The compensation is fixed for 20 years and then it’s over. After that, there are only market prices and therefore you prefer to consume everything yourself. Until then there are cheap electricity storage systems and electric cars where I can get rid of my own electricity well.
When the electricity price from the supplier rises, I don’t care what or which component is in there: I have to pay it! And they are getting more expensive!
Therefore, photovoltaic becomes more profitable every year because I save more and more.
My electricity prices are partly, 39%, fixed over the lifetime of the photovoltaic system, about 35-45 years, or decrease significantly after 20 years. That is the best inflation protection!
With a 0.1% interest rate and electricity price increases of 3%, it only makes sense.
You can only dream of your 4%, I have my profit in reality.


Either you insure the photovoltaic system through the building insurance or an extra insurance that also covers electronics/hail etc. Household contents insurance is something else.
Whether the 10 cents fit is an easy rule of three. Taxes on own consumption are estimated for small systems since the entire photovoltaic electricity production does not have to be recorded. It is sufficient to record the fed-in kWh. Anyone who pays no taxes anyway as a retiree/divorced with children is well off anyway.

The fire department can deal with photovoltaic without any problems. You should not believe every article in BILD. For that there are photovoltaic fire switches and even if it is not there, they simply cut it off with side cutters. You should not blow every little problem up into an elephant.

But I suspect that one or the other critic is employed by the fossil industry.

Taxes on self-consumption are estimated for small systems since the entire photovoltaic electricity production does not have to be recorded. It is sufficient to record the fed-in kWh. Anyone who, as a retiree/spouse with children, pays no taxes anyway is off the hook.

That is wrong!
You have to measure your self-consumption (which is quite easy) and assign a price to it. This is currently set at the price you pay for your purchased electricity, including the basic fee (administrative instruction from the Federal Ministry of Finance). Please pay VAT on this and also take it into account in the profit and loss statement so that the annual result can be included in the income tax return and taxed there at the personal tax rate. Nothing is estimated here; this is not allowed.

How do you imagine the annual settlement? There are bookkeeping and tax obligations that unfortunately cannot be avoided—unless you simply ignore our tax law. If you do not have to file an income tax return, it does not change the fact that you MUST take care of the VAT and the profit and loss statement.

P.S. VAT topic only applies if you opt for the "correct" entrepreneur status. My fingers just typed household contents—of course, it should have said household insurance = building insurance.

There is still a lot of ignorance here. Personally, I no longer have an extra insurance and have my photovoltaic system insured through the building insurance. That only costs half, about 20 euros.
The 1500 euros are fully installed, including scaffolding and everything.
If an inverter breaks down after, for example, 15 years, why should I still insure the minimal residual value? And even if: 20 euros x 20 years is 400 euros, which is 80 euros per KWp. So I still remain below 10 cents.
I can only mention my own consumption, which has been 38-39% since the beginning.
Why new household appliances? If electricity is in the line, it is no longer distinguishable, even for household appliances.
For better understanding for you: The remuneration is fixed for 20 years and then it ends. After that, there are only market prices and therefore you prefer to use everything yourself. Until then, there are cheap electricity storage and electric cars where I can get rid of my own electricity well.
If the electricity price from the supplier rises, I do not care about what or which component is in it: I have to pay it! And those get more expensive!
Therefore, photovoltaic becomes more profitable each year because I save more and more.
My electricity prices are partly, 39%, fixed over the lifetime of the photovoltaic system, about 35-45 years, or decrease significantly after 20 years. That is the best inflation protection!
With 0.1% interest and electricity price increases of 3%, it is only sensible.
You can only dream of your 4%, I have my profit in reality.

You have always floated the 1500€ figure, but that is not correct. In relevant forums, people constantly post their offers and have them evaluated etc., there you will find higher prices (often 20% more, around 1800€) for systems like you describe (>>20 years runtime, high quality e.g. in coating, and no estimated cleaning costs etc.). The 1000 kWh/kWp is only achievable with a super-optimal roof (not everyone has that) under top conditions every year; on average for most it is rather 900 kWh/kWp or comparable, so another 10% less. Taken together, you quickly end up in the "loss business" when feeding in, everything else is pure optimism.
There are recently inverters with 20 years warranty, but that is a different calculation.
But either your 10 cents are wrong and it is rather 12-14 cents, or you do not get the quality you describe. But everyone can look at the offers they receive on this cost side and calculate all costs themselves. I think there are better forums for this calculation with people who know even better. I think it’s okay to tell other users the hard reality that it really depends on the individual case and you cannot simply count on those 10 cents, which are really optimistic!
That you buy new appliances, I referred to the fact that you want to have the highest possible self-consumption (not that old appliances no longer work, accusing me of something like that...), and for that it may be necessary to upgrade/network a lot towards smart home in the house for optimum.
Oh, and by the way, , I live this "wet dream". I still have an old savings contract running with enough credit for a solar system, but 4, a bit% interest. Fortunately, the bank cannot terminate it, and I do not either. I have this profit in reality (every year)! You have no profit at all in reality yet, but first many, many years of loss!
Assuming a 6 kWp system with perfect values (1000 kWh/kWp per year) and super cheap costs of 9000€ (perhaps with own work during construction), that means in the first year, for example, 6000 kWh electricity, of which about 40% is used by oneself. So you get 0.12*3600 €=432€ for feed-in and save 576€ electricity costs per year compared to an expensive electricity provider (without VAT consideration!! so calculated per solar and not realistic). After 9 years, you have just covered the purchase costs, in the very very best case of your numbers (and no interest and not a single euro of additional costs). In 9 years, I have already accumulated 12,809 euros with interest. So in just under 12 years we are even, and exactly from then on you make a profit in reality, and not only in wet dreams. But only if you do not buy an inverter then. Or otherwise have any additional forum costs (of which I can also think of some things). I can then buy a much larger solar system with that money in 12 years, even much larger, if you are right and solar systems keep getting cheaper. Well, who then managed better?
We can look in 15 years what costs you document. Maybe some people here in the forum already have solar systems for 10 years+ and can report, that would be even better than our speculations.