Private home, which insurances do we need?

I would be interested in a survey here where everyone names their building insurer.. to show a tendency for . And then he will take a closer look at the top 2/3/4. Regardless of the postal code or other influencing variables.

Above all, it is cheaper, and in case of emergency, I am well insured and everything is paid without much effort and discussion.

I don't think you will find that. 10 times an insurance pays, then not for you, or it stalls, or only pays partially, or or or...

But that does exist, which is why even the cheapest insurance is not necessarily cheaper on paper with the same scope of benefits if, in the event of a claim, it does everything to avoid paying and you basically still need legal expenses insurance for that.
For example, Ammerländer has a good reputation and good numbers (I once had a case, and they sent an expert and then paid without any fuss).
There are statistics about this.
Good brokers or fee-based advisors (and probably also the BdV) have access to these and can also advise based on them. They also do analyses of capital reserves, etc.

If so, I would consult a broadly diversified multi-insurance broker locally.

They also live off commissions and in case of doubt recommend the one best for themselves. There are fee-based advisors who unfortunately have to be paid but are truly independent and advise accordingly. Normally you take them for financial brokerage (because supposedly more money is involved), but of course it also works with insurances and especially with buildings, it is about a similar amount of money (or even more if the house burns down in the worst case).

I do not want a fee-based consultant.

We don't want to spend even more money on that.

Yes, a survey would be very interesting.

I also don't want the cheapest insurance.

I want a good insurance (that also pays without any problems) at an acceptable price (not too expensive).

Hello

I wanted to ask again which insurance you would recommend for household contents?

We have already found building insurance including natural hazards, we only need household contents insurance.

And, which building has it become, or household goods?