Homeowners Insurance Austria 2026: The Complete Guide
Everything about homeowners insurance in Austria: Building + contents combined. 7 providers compared. Save up to €800. 10-year discounts up to 40%.
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What Is Homeowners Insurance?
Homeowners insurance is a combined product that unites building insurance and home contents insurance in one package. It protects both your house or apartment and all your furnishings against various risks.
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The Two Types of Protection Explained
1. Building Insurance
Protects the building itself:
- Roof and facade – Damage from storm, hail
- Windows and doors – Burglary, vandalism
- Walls and floors – Fire, water
- Fixed installations – Built-in kitchen, sanitary
- Outbuildings – Garages, garden houses
2. Home Contents Insurance
Protects your movable furnishings:
- Furniture – Sofas, cabinets, beds
- Electronics – TV, computer, appliances
- Clothing – Wardrobe, laundry
- Valuables – Jewelry, watches (with limits)
- Sports equipment – Bicycles, skis (partially)
Covered Risks
| Risk | Building | Contents |
|---|---|---|
| Fire, Arson, Lightning | Yes | Yes |
| Storm, Hail | Yes | Yes |
| Water Damage (Pipes) | Yes | Yes |
| Burglary, Theft | Yes | Yes |
| Glass Breakage | Optional | Optional |
| Flooding | Optional | Optional |
Savings Potential: Up to €800 Annually
By comparing multiple providers, you can save significantly:
- Up to €800 annual savings possible
- 10-year contracts offer up to 40% discount
- Construction insurance during building phase often free
Tip: With longer contract terms (10 years), you receive significantly lower premiums. This pays off especially if you plan to stay in your home long-term.
Price Factors for Homeowners Insurance
The premium depends on several factors:
| Factor | Impact | |--------|--------| | Building value | Higher value = higher premium | | Construction type | Solid construction cheaper than prefab | | Location | Flood risk, burglary statistics | | Living space | More m² = higher premium | | Contract term | 10 years = up to 40% discount | | Deductible | Higher deductible = lower premium | | Security features | Alarm system = possible discount |
Construction Insurance: Protection During Building
Important for builders: Construction insurance protects your building project during construction. With many insurers, it's included free if you subsequently take out homeowners insurance.
What construction insurance covers:
- Fire and lightning during construction
- Storm damage to the shell
- Often: Builder's liability included
Liability Insurance Included
Most homeowners policies also include building liability:
- Property owner liability – If someone has an accident on your property
- Builder's liability – During construction work
- Oil tank liability – For heating oil tanks
Providers Compared
durchblicker.at compares 7+ homeowners insurers:
- Donau Versicherung
- ERGO
- Grawe
- HDI
- Helvetia
- Merkur
- Zurich
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What to Watch When Signing Up
1. Choose Coverage Amount Correctly
Avoid underinsurance! If you specify the value too low, you'll only receive proportional compensation in a claim.
- Have replacement value assessed
- Specify living space correctly
- Report value increases regularly
2. Consider Deductible
| Deductible | Impact | |------------|--------| | €0 | Higher premium, full reimbursement | | €150-300 | Moderate premium, pay small claims yourself | | €500+ | Low premium, more personal risk |
3. Check Additional Modules
- Glass breakage – Especially useful for conservatories
- Natural hazards – Flooding, earthquake
- Bicycle theft – Often only included up to €1,000
Frequently Asked Questions (FAQ)
What's the Difference from Home Contents Insurance?
Home contents insurance only protects the furnishings (contents). Homeowners insurance combines contents and building protection.
Do I Need Homeowners Insurance as an Apartment Owner?
Yes! The building insurance of the homeowners association only covers common property. You must insure your apartment and furnishings separately.
What Happens in a Claim?
- Document damage (photos, list of damaged items)
- Inform insurance immediately
- Arrange appraiser appointment
- Receive replacement at new value
Can I Deduct the Insurance from Taxes?
Homeowners insurance for self-occupied property is not tax-deductible in Austria. For rented properties, it can be claimed as advertising costs.
Conclusion: Homeowners Insurance as All-Round Protection
Homeowners insurance provides comprehensive protection for your home – for both the building and your furnishings. Especially for owner-occupied homes, this combined protection makes sense.
Our Recommendations:
- 10-year contract for maximum savings
- Choose replacement value insurance
- Don't set coverage amount too low
- Compare offers annually
Compare Homeowners Insurance Now
Compare 7+ providers and save up to €800 annually – free and non-binding.
To Homeowners Insurance Comparison at durchblicker.at
Note: The information in this article is for informational purposes only and does not constitute insurance advice. Prices and benefits are subject to change. For current rates, please visit the respective provider's website.
Disclaimer and Legal Information
No Financial or Legal Advice: The information provided on this website is for general information purposes only and does not constitute financial, legal, or tax advice. It does not replace individual consultation with a professional expert.
No Warranty for Accuracy and Timeliness: Despite careful research, we cannot guarantee the completeness, accuracy, and timeliness of the information. Prices, terms, and services may change at any time. Please verify all information directly with the respective provider.
No Recommendations: The mentioned products, services, or providers do not constitute a personal recommendation. The selection was made for informational purposes. Every decision is your own responsibility.
Liability Disclaimer: We assume no liability for damages or losses that could arise from the use of the information provided. This applies in particular to financial decisions based on this information.
External Links: For content of external websites we link to, their operators are exclusively responsible.
Information as of: November 2024. All information without warranty. Changes and errors excepted.
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