Residential Building Insurance
Your home, protected simply and completely
Protect your home simply, safely and comprehensively. From fire, water or storm damage to reconstruction, we cover the costs for your building's structure, including fixed installations and garages.
Benefits of this insurance
We reward claim-free years with premium advantages.
Benefit from technical innovations at no additional cost.
You are also covered if the claim was caused by gross negligence.
Solar and heat pump installations are insured.
Coverage comparison
| Basic | Plus | Premium | |
|---|---|---|---|
| Fire, lightning, plumbing water, storm, hail | |||
| Gross negligence | Up to €10,000 | ||
| Moisture damage from defective joints | Up to 1% of insured sum | Up to 1% of insured sum | |
| Pipe blockages | |||
| Breach of duty of care | Up to €5,000 | ||
| Willful damage (vandalism) | Up to 1% of insured sum | ||
| Lightning surge damage | Up to 10%, min. €10,000 | ||
| Removal of fallen trees | |||
| Replanting of trees and greenery | Up to 1% | Up to 1% | |
| Clean-up and demolition costs | Up to 10% | Up to 30% | |
| Graffiti damage | Up to 1%, 10% deductible | Up to 1%, no deductible | |
| Animal bite / wild game damage | Up to 1% | ||
| Theft of items attached to the building | Up to 1% | ||
| Solar and heat pump installations | |||
| Hotel costs per day | Up to €100, 100 days | Up to €200, 150 days | Up to €200, 200 days |
| Loss of rent | 12 months | 24 months | 36 months |
| Free construction-phase coverage | Up to 36 months | Up to 36 months | Up to 36 months |
Additional modules and benefits
Glass breakage — from €3.52/month
Protect, for example, your windows or shower enclosure.
Drainage pipes — from €13.22/month
Protect drainage pipes outside the building from frost and breakage.
Natural hazards — from €16.72/month
Our recommendation: protect your building against floods, backwater and earthquakes too.
All-risk & loss-of-income (solar) — from €8.56/month
Your solar installation keeps running reliably, even in case of short circuit, design flaws or theft.
Water damage liability
Coverage up to €20 million for groundwater damage.
Property owner liability
Protects you against third-party claims arising from your role as property owner.
What is covered
Structure and fixed installations
Fixed flooring, central heating, antennas, lighting, and garden fixtures, plus garages up to 25 m² (max €10,000).
Covered risks
Fire, plumbing water, lightning, and natural hazards like storm and hail.
Optional extended protection
Natural hazards such as flooding, backwater, earthquake, subsidence, landslide, snow, avalanches or volcanic eruption, plus glass breakage.
What is not covered
Tenant additions
Items added later by the tenant or unit owner at their own expense.
General exclusions
Damage from war, nuclear energy or dry rot, as well as intentional damage.
Real claim examples
Plumbing water damage
A heating pipe bursts under the basement ceiling. Water seeps unnoticed for weeks, damaging the flooring. Insurance covers repair and drying.
Vandalism
After a two-week vacation, the family finds the house covered in graffiti and the mailbox destroyed. Insurance covers a full repaint.
Storm damage to the roof
A strong autumn storm rips off several roof tiles, letting rain damage the insulation and bedroom ceiling.
Frequently asked questions
Is this insurance mandatory?
It is not legally required, but banks usually require it if you finance your home with a loan.
How is it different from home contents insurance?
Contents insurance protects movable items inside the home; building insurance protects the structure itself.
How is the insured sum calculated?
Based on the "1914 value" (estimated construction cost that year), adjusted with a current index including construction prices and labor costs.
When should I take it out?
Ideally from the start of construction; our policy includes the building phase at no extra cost for up to 36 months.
Want to protect your home?
Tell us about your building and we will help you find the right coverage.
Request free advice