Ongoing additional costs - Realistic?

So I wouldn't have thought of insuring the phone in the hospital or against pickpocketing with the household insurance. The phone costs €200 and Android has a backup that you can use to be operational again in one evening. Checks are only used in America anyway and credit card fraud is dealt with by the credit card company.

I found the tip about smoke damage more important.

Things like pickpocketing are listed on the comparison portals. You can clearly see if it is included in the direct comparison.

Also nice to see here....

This way you can wonderfully choose according to your needs....

Theft of strollers for 65-250,000€? Isn't there a risk of underinsurance? ;)

Although now, for example, I get 6.50€ per month for your GVO. That's almost 40% more. Even if I exclude gross negligence, I don't reach your value (single-family house 130sqm, annual payment, 500€ deductible)

The deductible was even €0 including gross negligence, but with 100 sqm for me ;)

with a Lambo as a stroller that might happen easily :D

Cell phone costs 200€

With you... :rolleyes:

Things like trick theft are indeed listed on comparison portals.

Yeah, those are the bait offers - most need them little, but everyone is happy to read that.

So we see: it’s individual for everyone!

The deductible was even 0€ including gross negligence, but with 100 sqm for me

With you... :rolleyes:

It just shows, bigger and more expensive is not only expensive to buy, you also pay more for the insurance ;)