What insurances do I need as a homeowner?

With a proper dynamic disability insurance, you should not be dependent on state benefits. Ultimately, I agree with you - the industry will find a way not to have to pay anyway ...

I'll tag along, I'm currently just before the construction phase as a builder, do I need something during the construction?

Through the membership in the [Verband Wohneigentum] I already have:

- House and land liability insurance
- Builder's liability insurance
- Legal protection for neighborhood issues

Would now the building shell insurance or natural hazard insurance or something else be appropriate?

I wanted to deal with the usual stuff like household insurance and so on only when the place is built and we're about to move in, and then discard the corresponding old burdens in terms of insurance?

Your bank will demand fire protection for the shell construction, won't it, or has no financing been completed yet?

I have to say, the brainwashing by the insurers really works well. If you work in a common profession, the occupational disability insurance hardly ever pays, and if it does pay, it is offset against the state benefit.

I know people with former desk jobs where the occupational disability insurance pays. And which state benefit exactly?

This has nothing to do with brainwashing. You should just read the fine print carefully and have it checked if in doubt.
The government benefits would be, for example, a reduced earning capacity pension. That is a joke and is rarely paid.

Important with disability insurance, for example, is that there is no abstract referral to other professions.

And I repeat myself: for employees, the salary is usually the only income. If that disappears, financial ruin or a massive decline in living standards may threaten.
But that must be examined individually.

An acquaintance, father of two, by far the main earner, bought a large and expensive house in an unpopular area. In resale, he will never get enough money to pay off the financing.
If he becomes disabled, there will be debts, the house is gone, and the wife would earn an absolutely low four-figure amount working full-time. Half of the salary would go for a 4-room apartment.

Whether he can work at all then is questionable. So the family might fall from wealthy to Hartz IV level through a simple twist of fate.
All this just to save a few bucks.

You can cancel the disability insurance again when the kids are out, the house is paid off, etc. But being in debt with a family, I consider that irresponsible towards my family.

It really depends a lot on the circumstances of life. My partner earns very similarly to me, both have the same (good) chances for a career if they decide to pursue it. And the house is already worth more than paid according to the appraiser even though we haven't even moved in yet. In addition, a BU with installments over 2000€ almost always sues before payout. So I can save myself that in my personal situation. For others, however, it can be extremely useful!