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property protected
Property insurance offers protection for material goods and objects such as buildings, household contents and vehicles against a wide range of risks such as fire, burglary or natural disasters. They serve to cushion financial losses in the event of damage or destruction and thus offer security for the insured person's property.
Comprehensive property insurance helps to preserve the value of property and minimise financial risks.
Liability insurance
Liability insurance is a basic form of cover that provides protection against the financial consequences of claims for damages caused to other people through negligent behaviour. It covers property damage, personal injury and financial loss and is mandatory in many areas of everyday life, such as road traffic or keeping animals. Liability insurance protects the insured person against financial burdens and existential risks in the event of a claim.
Contents insurance
Contents insurance protects the possessions in your own home against risks such as fire, burglary, mains water, storm and hail. It covers furniture, electronics, clothing and other personal items. In the event of a claim, the insurance reimburses the replacement value, i.e. enables the replacement of lost or damaged goods. The sum insured is based on the total value of the household contents, which is why regular adjustments are important. Household contents insurance provides financial protection and security by protecting against the costs of unexpected loss and damage. It is an essential part of personal protection.
House insurance
House insurance offers comprehensive protection for property owners. It covers damage caused by fire, water, storm and hail. It also protects against financial burdens that can arise from unforeseeable events. The insurance covers the costs of repairs or reconstruction of the damaged building. The premiums vary depending on the location, construction method and value of the building.
Legal Insurance
Legal insurance offers protection against the financial risks of legal disputes. It covers the costs of lawyers, court proceedings and other legal expenses in various areas of law such as labour law, traffic law or tenancy law. Legal expenses insurance enables insured persons to effectively assert their rights and protect themselves against unforeseen legal challenges. It offers security and support in the event of legal disputes and helps to avoid high financial burdens.
Car insurance
Car insurance is essential for every vehicle owner and is required by law. It is divided into third-party liability insurance, which covers damage to third parties, and optional comprehensive insurance, which includes partial and fully comprehensive cover. While partially comprehensive insurance covers theft, glass breakage and damage caused by natural events, fully comprehensive insurance offers additional protection in the event of self-inflicted accidents or vandalism. The premium amount depends on the vehicle type, no-claims class and selected deductible. Comprehensive car insurance protects against financial burdens caused by accidents and damage, ensures mobility and fulfils legal requirements.
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