What insurances does a homeowner need?

Hello everyone!

Which insurances does a homeowner need?

Regards

Depends on which phase you are in:

Construction phase:
Here you should clarify to what extent your [BU] covers different insurances – you don't want to insure things twice.
- Fire shell construction insurance (later converts into a residential building insurance after completion)
- Builder's liability insurance
- if applicable, construction performance insurance
- if helpers from friends and acquaintances are involved, possibly insurance through the professional association (against accident)

That should cover the most important things during the construction phase.

After completion:
- Residential building insurance (in my opinion, you should take the "optimum tariff" here – you invest so much money in the construction, so it shouldn’t fail because of the annual €20 surcharge compared to basic coverage)
- for multi-family houses, a residential building liability insurance
- if applicable, glass insurance, electronics insurance, photovoltaic insurance, etc. – the insurance industry is creative

Nothing else spontaneously comes to mind here. If you want to know something about the different insurances – Aunt Google helps ;).

Hi,

this is a prefab house.

The seller says the following:

the building, liability, and shell fire protection insurance are usually taken out together for all owners by the property manager.

Do you have to accept this as is, or can you also get one yourself cheaply?

How much do these insurances cost approximately per month?

Hello,

this is a prefabricated house.

The seller says the following:

the building, liability and shell construction fire insurance is usually taken out together
for all owners by the administrator.

Do you have to accept it like that or can you also take out one yourself cheaply.

Your hints can’t be entirely correct. Either a single detached house or semi-detached house - or, if you will, a duplex - or a condominium in a multi-family house?

Rhineland greetings

That might be a Mittelhaus.

Hello,

Das wird vielleicht ein Mittelhaus.

According to WEG?

Rhenish greetings