Is basic damage insurance a must?

About the broker and the premiums. The premium naturally depends on the insured value. There are two systems for brokers: the broker insures you, you pay him. Rare in the private sector. Or, as with us, the broker arranges insurance for you from a portfolio of providers. He receives the commission from the insurance company, you pay this company. This is more common. The advantage: personal advice, the cheapest does not have to be the best. In case of a claim, the broker is your contact person. As mentioned, there are specialized insurers who do not go through Check24, but only through brokers. Try it, it is totally relaxed to have all insurances with one broker and still not have everything with a single company.

Hello everyone! Isn't there a so-called "ZÜRS zone" for every area in which the "hazards" of building plots, etc. are listed? At least that was the case for us. We live on the mountain (not a slope), but in earthquake zone 3, with no river/waterbody nearby. So an insurance was taken out for us, of course still depending on whether there is a basement, photovoltaics on the roof, pool, etc... but whether one can or should say that generally? And, we had it calculated by 2 advisors, then ultimately went to our house and home insurance. Here we also know the advisor well and have a contact person if something happens...

So my father was really relieved about his [Elementarschaden Versicherung] when a hailstorm hit his house. Windows, shutters, roof tiles, roof windows, etc. were damaged. The damage amounted to a five-figure sum.

So my father was really relieved about his elemental damage insurance when a hailstorm hit his house. Windows, shutters, roof tiles, skylights, etc. were broken. The damage was in the five-figure range.

Storm and hail are not elemental damages.

Yes, they are. At least heavy rain and hail. Storm is also covered by the standard building insurance, provided the wind strength is above 8 on average.

Yes, they are. At least heavy rain and hail. Storm is also covered by the standard building insurance, provided the wind speed is above 8 on average.

Now you’re starting to mix things up. Storm = wind, not rain, is included in the residential building insurance. However, it can be extended through an elemental damage insurance. Hail = also included in residential building insurance, usually not extended by elemental damage insurance, since it is already fully covered by residential building insurance. I agree with you on heavy rain, but that wasn’t even the topic here ("hailstorm").