The household insurance offers insurance protection for facility, customs and of a household (furniture).

Naively spoken almost all mobile things are insured in the household of the insurant over the household insurance. In addition belong for example furniture, household electronics, clothes and food. Insurance protection exists against the dangers fires, tap water, storm, hail, break-down theft, robbery and Vandalismus. In addition costs are insured like clearing up costs, protection costs and hotel costs. Additional various further inclusions possible, like e.g. are into the contract the theft of bicycles or the cover of elementary damage and overvoltage damage. The adhesion of the insurance is limited very often; so that under-insurance in the case of loss is punished (i.e. with furniture in the value of 8000 "€ and an insurance cover of 2000 "€ the insurance pays to 2/8 of the damage in each case, max. 2000 "€ (remuneration = damage x insured sum/insured value)). Almost all insurers are ready to do without this so-called "“objection of the under-insurance"” in the case of damage generally if the customer is ready, a certain insured sum per square meter of floor space - usually 650. - Euro/m floor space - to lock (under-insurance renouncement). This guarantees the actual original value replacement up to the height of the insured sum to the customer, cannot however with very large dwellings also fast to likewise a not desired over-insurance lead.

As insurance place the dwelling of the customer designated in the insurance policy is considered. However additionally the insurance place specified in the policy is extended and thus the furniture, which is e.g. temporarily (not durably) in a vacation home, insured by means of an external insurance.

The premium of the household insurance is mostly measured after the height of the insured sum (partly also after the floor space), which individual inclusions and the situation of the insured areas (break-down theft tariff zone).

Articles in category "Household insurance"

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