Is builder's liability insurance necessary for renovation in existing buildings?

Doubtful tip... Old liability insurances very rarely include a builder's liability. New ones do. But when switching, you can also lose your old (possibly good) conditions. Therefore: watch out! I have separately taken out a builder's liability with my insurance. Cost 100€, duration 3 years. It would be tedious to list everything that is insured here. I mean it was the "Rundum-Sorglos-Paket"

I don't understand what is supposed to be questionable about it. Regardless of the reason, reading and understanding the conditions of the existing [PHV] before you need them is ALWAYS a good idea. Most people don't know what's inside or what obligations are actually defined. In the best case, you only pay too much because of double insurance, in the worst case, your existence is at stake.

The risk of having something uninsured or insufficiently insured is likely much higher in practice than losing coverage when switching. Especially with new topics like drones, eBikes, etc., many don't think about it or take out separate insurance for them and usually end up paying extra.

There are individual scenarios where a deterioration can occur, I agree with you on that. That is why you should check and understand your conditions beforehand. It should be clear to anyone managing their own insurance that switching to a [PHV] that includes builders' liability insurance but inadequately covers all other areas is a bad idea. If not, the risk is very high that you are already over- or underinsured and should urgently contact the insurance broker you trust before starting construction.

Of course, builders' liability insurance has a legitimate reason for existing and can often be the more sensible option. However, I never denied that. For my part, I couldn't find any with the kind of conditions I wanted and have now. At first, I wouldn't have even thought to look for such a thing in the [PHV] area. Hence my note at this point.

In my view, it is definitely necessary, in one form or another. We probably agree on that.

I don't understand what is supposed to be questionable about that. But in my opinion, it is definitely necessary, in whatever form. We probably agree on that.

I guess I expressed myself a bit awkwardly: I meant that a change, as you recommended, is not always advantageous. That this insurance is necessary is not up for debate; I agree with you on that.

Hello everyone,

we want to start our renovation soon. Currently, our personal liability insurance does not include builder's liability insurance. My liability insurer, for example, does not offer builder's liability insurance for renovations. So far, we only have personal liability insurance and no other relevant insurances.

The renovation will cost about €300,000 including a buffer. Own labor only very limited < €5,000 (parts of gutting). The work includes: changes to the floor plan, new heating, new windows, insulating the basement & attic ceiling, new bathrooms, sanding floors with the architect. So at first, nothing requiring outdoor work. Afterwards, upon completion, there will be photovoltaics and exterior painting done by ourselves.

1) Where did you get your builder's liability insurance? I often only find forms for builder's liability insurance for new construction, which is then included in the building insurance. There is already a building insurance in place as well.

2) At Dr. Klein you can find a checklist for insurances when renovating. They recommend: builder's liability insurance, construction all-risk insurance, construction helper accident insurance, private accident insurance. Besides the builder's liability insurance, have you taken out such insurances as well?

Thanks!

1) Where do you have your builder's liability insurance? I often only find forms for builder's liability insurance for new builds, which are then included in the residential building insurance. A residential building insurance already exists as well.

For the purchase and renovation of an existing house, I have the builder's liability insurance through "Die Haftpflichtkasse VVaG". And only this.

Can you explain a bit why only that one and not the [Bauleistungsversicherung]?