Building insurance is a special protection for home and garage owner. As homeowners a corresponding homeowners insurance should come naturally in most cases. But what risks are insured just is not always clear to the many. For example the insurance of this insurance with coverage of weather-related damage can be extended. The elemental extension assumes costs caused by a flood from the sewers. Such damage is not covered in most insurance companies in the insurance and must be completed extra. Prior to the conclusion of the homeowners insurance, you should check whether your home or building is in a risk area in each case. Elementary insurance you can insure many other additional risks, such as landslides or avalanches hazards? The monthly contributions are for this risk group still relatively small and often recommended.
In General, fire, storm, can in the building insurance Hail and water damage are ensured. Here is working normally using the sliding value factor, the coverage or insurance sum is so once checked and adjusted to the current value development. This is of course also the policyholder. The risks and their assessment is carried out according to some specific criteria, which then of course also the amount of the insurance premium is set. In addition to the facilities, the use, type of roofing and the type is checked and evaluated. Also, it is determined whether the building is in a risk area for flood, for example. If that is the case, expect for some companies with much higher contributions or a rejection. It may be worth so, if one compares the most different buildings insurance offers building owners. Because coverage and contributions can vary slightly depending on the company. Heiko Wessler