House & Land Insurance(Haus- und Grundbesitz)
Protect your property investment with comprehensive house and land insurance. Compare policies from Germany's most trusted providers and find optimal coverage for your real estate.
Key German Terms
Tip for Newcomers
If you are a property owner in Germany, Haus- und Grundbesitz insurance is essential. It covers liability claims when someone is injured on your property - like a visitor slipping on icy stairs. This is separate from Gebaeudeversicherung (building insurance). Landlords especially need this coverage before renting out property.
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House & Land Insurance Calculator
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Complete Property Protection
Starting from just €22/month
Building Damage
Protection against fire, storm, hail, and other structural damages to your property.
Liability Protection
Coverage for damages that third parties may suffer from your property or land.
Value Protection
Insurance at current replacement value for optimal preservation of your property's worth.
Quick Claims
Fast and efficient claims processing for quick restoration of your property.
Expert Support
Professional guidance from experienced property insurance specialists.
Flexible Terms
Customizable coverage options and flexible payment terms to suit your needs.
Frequently Asked Questions
Everything you need to know about house and land insurance
What does house and land insurance cover?
House and land insurance combines building insurance and property owner liability coverage. It protects against building damages and liability claims from third parties related to your property.
What liability risks are covered?
Protection against personal injury, property damage, and financial losses that third parties may suffer due to your property, building, or structural installations.
Is insurance mandatory for landlords?
For landlords, property owner liability insurance is highly recommended as they can be held liable for damages on their property. Building insurance is often required by mortgage lenders.
How much coverage should I have?
For liability, at least €10-15 million. For building coverage, according to replacement value. Our calculator helps determine optimal coverage amounts.
What factors affect my premium?
Property value, location, usage type (owner-occupied/rental), building age, chosen coverage amounts, and additional risk factors.
Can I combine existing insurances?
Yes, combination policies are often more cost-effective than separate insurances. We help compare and optimally structure your insurance protection.
Protect Your Property Investment Today
Don't wait until it's too late. Compare house and land insurance policies and secure comprehensive protection for your property with trusted providers.