No building land due to new EU native model?

There are already useful insurances that do add up over time. Liability, legal protection, household contents, building, dental supplementary, car and the BUZ (not exhaustive). In my opinion, none of these are dispensable. But I also don’t come up to 200€/month.

Motor vehicle was a separate cost block, incidental costs for the building as well, and therefore not included in the 200€.
I consider legal protection and especially BUZ to be very dispensable, provided no increased risk has to be assumed.
Liability, household contents, risk life insurance for surviving dependents protection (although this is not chosen in such a way that the house is given as a gift upon death, but rather to make the upbringing period until the children start their careers more comfortable), I consider important.

This thread is fantastic. All topics around life bundled in one thread.

I consider BUZ, for example, to be very dispensable

Whoever does not consider BUZ dispensable will probably hardly manage with 200€.
Since there has already been cancer on both sides of our family, I do not consider the insurance dispensable, by the way.

BUZ really exists and apparently means combinations of a disability insurance with a capital-forming life insurance. Generally, this is not advisable.

Disability insurance (BU) is a very important insurance. Unfortunately, it is often so expensive that one could also dare to accept a gap here. Then only personal liability and building insurance remain. (I assume that health insurance already exists anyway.)

Everything else is at most nice to have but usually not necessary, especially for people who can afford a house.

So, glasses insurance, mobile phone insurance, health insurance for the cat and bicycle insurance I consider absolutely indispensable.....smile

By BUZ I meant pure occupational disability. And I consider it essential for employees, as work performance is the only capital one has. And unfortunately, it can happen quite quickly. Term life insurance costs almost nothing. You can also insure yourself at a high level if you want. Legal protection can become very important. At the latest after being fooled the first time, you take it out. And it only costs about ten euros per month.

I can only agree with the BU. Anyone who considers it dispensable should think again for 2 minutes and do the math with a calculator. Compared to that, household insurance is 1000 times more dispensable. But sure, a BU quickly costs 60-80 euros or more. It's tempting to do without it. But one shouldn't, not even in professions that supposedly don't involve any risk.