Questions about builder insurance

Hello everyone,

Since we will start building the house in a few weeks, I have just researched recommended insurances and have come to the conclusion that the following insurances are urgently necessary:

- Builder's liability insurance
- Construction all-risk insurance (I still have to clarify with our general contractor whether this might already be included)
- Fire shell construction insurance

The fire shell construction insurance will then be included in the residential building insurance that must be taken out anyway (up to 24 months included).

I have a few questions about this:
In that case, do I already take out the residential building insurance now and have to specify an approximate move-in date, or how does the insurance know when the building is finished? I only pay the insurance premium from the move-in date, right? So the insurance coverage exists during the shell construction phase (fire shell construction), but the first premium is paid later, correct?

Should one also insure against natural hazards and glass?

That does make a bit of a difference.

The residential building insurances last year received top marks from Focus Money.

Are there any other points to consider?

Many thanks in advance for your feedback and

Best regards

Ok, just received a reply from the general contractor as well. Construction all-risk insurance is not included with him.

I would also be interested in which insurances you have taken out, with which options and under what conditions.

Thanks again!

Nobody here who wants to quickly write which insurances/packages were taken out?

I was especially hoping for answers to the following questions:

So in this case, do I already take out the residential building insurance now and have to specify an approximate move-in date, or how does the insurance know when the building is finished? I only pay the insurance premium from the time I move in, right? So the insurance coverage exists during the shell construction phase (fire shell construction), but the first premium is paid later, correct?

Exactly, at least that's how it is for us. We indicated back then when we would approximately be finished, and now after moving in, we briefly informed our insurance about the move.

There is a targeted completion date or handover. Then you will be contacted, and if it doesn’t fit, you inform them that it is delayed. All easy