What exactly is insured
The building insurance pays for any damage to the house and fixed inventory. These include, for example, heating systems, bathtubs and fixed floors. As a connected residential building insurance, the already mentioned risks (fire, storm, tap water) are then covered.
This part of the residential building insurance pays for damage to the house caused by fire, lightning, explosion and implosion. The insurance also applies, for example, to fixed electrical installations.
IMPORTANT TO KNOW: Smoke detector is necessary
A smoke detector is mandatory. The building regulations of most federal states also stipulate that smoke detectors must be installed in dormitories, children’s rooms and corridors. If the smoke detectors are missing, then in the event of an insured event you will remain sitting on the damage incurred and will not receive any benefit.
Tap water insurance
The included tap water insurance pays for damage caused by tap water, frost and other breakage damage. So if, for example, calcareous water or frost breaks the pipes in the house, the residential building insurance pays.
This part of the residential building insurance pays for storm damage from wind strength 8 and hail damage. If, for example, the storm tears down the entire roof of the house, the housing insurance company pays the damage. The insurance also covers additional consequential damages. Example: It then rains through the covered roof.
What else is insured?
The residential building insurance also pays if there are burglary losses. Some tariffs also pay for vandalism damage, e.g. the removal of graffiti, but then not possibly following painting works. Sometimes damage from missiles, fallen trees, smoke and arson are also insured. You should therefore also carefully consider what risks might occur in your residential region or have occurred more often in the past and choose your residential building tariff accordingly.