Questions about builder insurance

Thank you all in advance for the feedback.

I just spoke with InterRisk on the phone. It is exactly as I suspected and as you confirmed.

One more question about [Elementarschäden]:
Let's assume it rains very heavily and water flows into the house (not a hillside property, but you never know). In that case, does the building insurance only pay if [Elementarschäden] are included?

One more question about elemental damage: Let's assume it rains heavily and water enters our house (not a hillside property, but you never know). In that case, does the building insurance only pay if you have elemental damage included?

Yes. The basic residential building insurance only covers fire, tap water, and storm/hail.

Ok, thanks. Then I will complete them right away.

We have:

- Residential buildings
- Household contents
- Glass

Total: €525 p.a.

Before construction, the 3 basic insurances: BH HP, fire during shell construction, and construction performance. Flat rate, one-time for 2 years €440

Hi Emer

Where did you complete the package? I'm also currently looking for something suitable.

Such "packages" or even individual insurances (household contents) are offered by (almost) all insurance companies. Just take a look at Check24 and choose the insurance company you trust.