The least expensive version is the reine Risiko-Unfallversicherung , which has a low premium and pays a large lump sum in the event of disability. The catch is that it doesn't pay for lesser injuries, such as a broken arm or leg. Home Insurance . But it is recommended and some landlords demand it. Policyholders should make sure they insure their household goods for their full value and maintain a current list of all personal items such as furniture, home entertainment equipment, jewelry and antiques.
Some policies even pay for hotel stays during the renovations that are necessary for claimants.
Most people in Germany insure their homes for DM 1,200 per square meter of living space. In the event of damage, contact your insurance agent immediately by phone and by registered letter. In the case of theft you must prove what was stolen. Receipts, inventories, guarantees, and photos are very helpful. And, if you want to countersue, it will pay as long as there is a reasonable chance of winning.