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

Does it always make sense to insure the death of the partner, or one's own death? Are there possibly tax advantages if you insure the death of the partner instead of your own life?

We are unmarried and accordingly the allowances are quite low. If I pass away, my girlfriend would probably have to pay significant inheritance tax on the money she needs to keep the house.
For married couples, the allowances are better, so it can also work if you insure your own life. But I don't know if that is cheaper.

Hi, the money - from the insurance - is not inherited, it's an insurance benefit that you are entitled to if you are listed as the beneficiary. I guess insurance benefits do not have to be taxed - or do they? Regards Olli

I think insurance benefits do not have to be taxed - or do they?

Unfortunately, this is apparently the case after all. There was recently a video on Youtube about this from Finanztip. I can only recommend it.

I will pick up the topic again:

I would like to take out the following insurances in the next few days (construction begins in the next weeks; hopefully :-) ):

- builder’s liability insurance
- construction all-risk insurance
- fire shell construction insurance/residential building insurance

I am still unsure whether to take out builder’s legal protection insurance now. This costs us 520 € * 5 years at ÖRAG.

Now another question. What about insurance for undeveloped plots? Do I still need it, or does the residential building insurance replace it?

This costs us at ÖRAG 520 € * 5 years.

Then take a look at ARAG. And make sure to sign up in time because with construction matters you can only really use it after 6 months.

Then take a look at ARAG. And conclude it in time because with construction matters you can only really use it after 6 months.

ARAG covers only €10,000 of legal costs. ÖRAG €100,000.