What is your deductible? In my offer, there was no deductible anywhere except for [elementar], where it is a flat rate of €250. For the majority of the insured, the deductible is quite high, isn't it?
How can I make a reasonable price comparison if the street and the new development area officially don’t even exist yet?
You always have to provide street and house number, does he include that in the price? (I have provided Neighbor Street)
If your reference street next door is not "safer," meaning it is flat and you are on a slope, or the 5 meters in height above your plot, and there is a stream running next to you, or you should build at "An der alten Flußaue 11," that works as a comparison.
Can the association of the insured be taken as a benchmark?
In what way? Their rates do not appear on any comparison portal.... if you happen to work in a corporation, there might also be a group insurance through the employer, and some Home & Land associations have something like that too.
With bund der versicherten the deductible is quite high, isn't it?
I could choose 0 or 250 euros. Since I never bother an insurance with trivial matters, I chose the latter. 250 euros don’t really hurt, and 0 euros tempt you to get more claims settled in case of doubt and risk being kicked out. But then it becomes really difficult to get a new insurance elsewhere at the "standard rate"...
10% deductible for elemental insurance, you’re probably with Gothaer, right?
Can you also view the tariffs at [Bund der Versicherten] if you are not a member? I would like to know beforehand to assess whether it’s worth becoming a member there.
Are the group insurances at [Bund der Versicherten] always cheaper than if you insure yourself alone?
Is it always worthwhile to insure yourself through the federation?