Which insurances does one need when, and what should be considered?

Disability insurance to secure the only thing that brings money into your life. Namely the ability to work. Look at the contract very carefully here!

I would also consider a life insurance policy for the amount of the loan.
You can also adjust it gradually to the declining outstanding debt.

Disability insurance is already in place for both, I was more concerned about insurance related to the construction of the house and for the house.

Because I read this here, or rather the thread fits quite well:

Topic: Term life insurance

We will probably sign our financing in February and plan to take out a term life insurance policy immediately afterwards.

Currently comparing on Check24 - so far everything is clear and understandable.

Do I necessarily have to take out 2 separate life insurance policies and insure my partner separately, or can it be done "combined"?

On Check24, in the comparison section I can only select either/or - but not both.

How did you do it?

How did you do that?

2 separate contracts. Each with the other partner as the beneficiary.

It is also intended to apply per person. Therefore, 2 contracts are quite plausible.

And with, for example, a term of 25 years and the current divorce rate, 2 separate contracts are probably the easiest.

Married or not? If unmarried, then definitely conclude "crosswise" so that the amount does not fall under inheritance tax. There are also offer calculators for the keyword

Hi,
there is something like "connected lives" or so.
Maybe it is a bit cheaper as a package.
Regards Olli

Always insure what you cannot handle alone in the event of damage or what would cause you sleepless nights.