Private home, which insurances do we need?

chk24 says by the way:
Balconies, terraces, and rooms not developed for residential purposes (e.g. storage room, heating room, attic, stairs or garage) do not count towards the living space.

That would mean you could deduct the utility room (storage room/heating room), right?! deduct your utility room and you can still save ☺


Have you played around a bit with the comparison and taken out Elementar to see if that would be the price driver?

For household contents, I come to about €130 per year with €106,000. So the difference isn’t that big.

That sounds quite reasonable,

For 80 EUR household insurance, I would definitely take a look at the scope of services, that seems veeeeery cheap to me.
I pay over 300 EUR.

We are also around 300€ despite the public service bonus: many insure themselves insufficiently, and afterwards there's a lot of complaining.
I paid attention to sooting and that bicycles and caravans are included.
The building value steadily increases over the years, after a few years it is no longer comparable to a new build.

Exactly, many insurers have new construction discounts that decrease more or less over the years.

Elementar is not the price driver.. Without Elementar about 50€ less The cheapest insurance costs 400€ (Janitos) How can I make a reasonable price comparison if the street and the new development area officially do not even exist yet? You always have to provide street and house number, does he include that in the price? (I provided the neighboring street) Year of construction and postal code were provided and are correct I only selected Stiftung Warentest very good Can the Bund der Versicherten be used as a guideline?