Home insurance combines building insurance and household insurance in one package. It protects both your house or apartment and your furnishings from damage by fire, water, storm and burglary.
Covered Risks
Storm
Roof damage, facade damage
Fire
Fire, lightning, explosion
Water
Pipe burst, flooding
Burglary
Theft, robbery, vandalism
Glass Breakage
Conservatory, windows (optional)
Liability
Building & construction liability
Two Types of Protection Combined
Building Insurance
Protects the building: roof, walls, windows, floors
Household Insurance
Protects your contents: furniture, electronics, clothing
Construction Phase
Protection during building (often free)
New Value Coverage
Replacement at current new price
Savings Potential
Price Factors
| Factor | Effect |
|---|---|
| Building Value | Higher value = higher premium |
| Construction Type | Solid vs. prefab affects price |
| Location | Flood risk, crime rate |
| Contract Length | 10 years = up to 40% discount |
| Deductible | Higher = lower premium |
Important Tips
Check coverage amount
Avoid underinsurance - state building value correctly
10-year contract
Up to 40% cheaper than annual contracts
Use construction phase
Often free when contract follows
Compare regularly
Check offers every few years
Your Benefits with durchblicker
Save up to €800 annually
7+ providers compared
Free expert consultation
Claims support included
Compared Providers
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Find the best protection for your home - free and non-binding.
Compare at durchblicker.atPrices depend on building value, location and features. As of: December 2025.