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Buildings insurance in Germany (Wohngebäudeversicherung) in Germany: every tariff, every wording

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Provider and tariff Gross negligence Flood Backflow Supply pipes off plot Burglary damage Decontamination
ARAGSchutz BasisTake out noTeil H Ziffer 16.1.2, page 67 yesTeil F Ziffer 3.1, page 53 yesTeil F Ziffer 3.2, page 53 yesTeil C Ziffer 8.2, page 39 yesTeil C Ziffer 10.1, page 39 yes, up to EUR 15,000Teil C Ziffer 11.1, page 39
ARAGSchutz KomfortTake out yesTeil D Ziffer 40, page 50 yesTeil F Ziffer 3.1, page 53 yesTeil F Ziffer 3.2, page 53 yesTeil D Ziffer 12.2, page 44 yesTeil D Ziffer 18.1, page 45 yes, up to EUR 600,000Teil D Ziffer 21.1, page 46
BarmeniaGothaerBarmenia Basis-SchutzTake out noA 1 - 13.1 b), page 12 yes, up to the sum insuredA 5 - 1.7.1, page 16 yes, up to the sum insuredA 5 - 1.7.2, page 16 noA 3 - 1.4.2, page 14 not addressed yes, up to EUR 50,000A 8 - 1.3.4.1, page 21
BarmeniaGothaerBarmenia Premium-Plus-SchutzTake out yes, up to the sum insuredA 1 - 13.1 b), page 14 yes, up to the sum insuredA 5 - 1.7.1, page 20 yes, up to the sum insuredA 5 - 1.7.2, page 20 yes, up to the sum insuredA 3 - 2.1, page 17 yes, up to the sum insuredA 7 - 9.1, page 25 yes, up to the sum insuredA 9 - 1.3.4.1, page 28
BarmeniaGothaerBarmenia Premium-SchutzTake out yes, up to the sum insuredA 1 - 12.1 b), page 14 yes, up to the sum insuredA 5 - 1.7.1, page 19 yes, up to the sum insuredA 5 - 1.7.2, page 19 yes, up to the sum insuredA 3 - 2.1, page 16 yes, up to the sum insuredA 7 - 9.1, page 23 yes, up to the sum insuredA 9 - 1.3.4.1, page 26
BarmeniaGothaerBarmenia Top-SchutzTake out yes, up to the sum insuredA 1 - 13.1 b), page 14 yes, up to the sum insuredA 5 - 1.7.1, page 20 yes, up to the sum insuredA 5 - 1.7.2, page 20 yes, up to the sum insuredA 3 - 2.1, page 17 yes, up to EUR 5,000A 7 - 7.1, page 24 yes, up to the sum insuredA 8 - 1.3.4.1, page 26
BGVExklusivTake out yes, up to the sum insuredZiffer 26.2, page 67 yes, up to the sum insuredZiffer 5.4.1, page 27 yes, up to the sum insuredZiffer 5.4.2, page 27 yes, up to the sum insuredZiffer 4.4.2, page 26 yes, up to the sum insuredZiffer 11.17.4, page 22 yes, up to the sum insuredZiffer 11.4, page 48
BGVKlassikTake out yes, up to EUR 100,000Ziffer 26.2, page 67 yes, up to the sum insuredZiffer 5.4.1, page 28 yes, up to the sum insuredZiffer 5.4.2, page 28 yes, up to EUR 5,000Ziffer 4.4.2, page 26 yes, up to EUR 5,000Ziffer 11.17.4, page 51 yes, up to EUR 300,000Ziffer 11.4, page 47
DEVKBasisTake out yes, up to EUR 10,000Ziffer 12.2, page 37 yes, up to the sum insuredZiffer 1.4.1, page 21 yes, up to the sum insuredZiffer 1.4.2, page 21 yes, up to EUR 5,000Ziffer 1.2.6, page 18 noZiffer 4.16.1, page 32 yes, up to EUR 50,000Ziffer 4.5, page 29
DEVKKomfortTake out yes, up to the sum insuredZiffer 12.3, page 37 yes, up to the sum insuredZiffer 1.4.1, page 21 yes, up to the sum insuredZiffer 1.4.2, page 21 yes, up to EUR 50,000Ziffer 1.2.6, page 18 yes, up to EUR 5,000Ziffer 4.16.1, page 32 yes, up to the sum insuredZiffer 4.5, page 29
DEVKPremiumTake out yes, up to the sum insuredZiffer 12.3, page 37 yes, up to the sum insuredZiffer 1.4.1, page 21 yes, up to the sum insuredZiffer 1.4.2, page 21 yes, up to the sum insuredZiffer 1.2.6, page 18 yes, up to EUR 50,000Ziffer 4.16.1, page 32 yes, up to the sum insuredZiffer 4.5, page 29
GothaerEin- und Zweifamilienhäuser BasisTake out yes, up to EUR 10,000A § 12 Nr. 11, page 27 yes, up to the sum insuredA § 4 Nr. 3 a), page 17 yes, up to the sum insuredA § 4 Nr. 3 b), page 17 yes, up to the sum insuredA § 3 Nr. 2, page 15 noA § 8 o), page 21 yes, up to EUR 50,000A § 8 e), page 20
GothaerEin- und Zweifamilienhäuser PlusTake out yes, up to the sum insuredA § 12 Nr. 11, page 27 yes, up to the sum insuredA § 4 Nr. 3 a), page 17 yes, up to the sum insuredA § 4 Nr. 3 b), page 17 yes, up to the sum insuredA § 3 Nr. 2, page 15 yes, up to EUR 500,000A § 8 o), page 21 yes, up to EUR 150,000A § 8 e), page 20
GothaerEin- und Zweifamilienhäuser PremiumTake out yes, up to the sum insuredA § 12 Nr. 11, page 27 yes, up to the sum insuredA § 4 Nr. 3 a), page 17 yes, up to the sum insuredA § 4 Nr. 3 b), page 17 yes, up to the sum insuredA § 3 Nr. 2, page 15 yes, up to EUR 500,000A § 8 o), page 21 yes, up to EUR 500,000A § 8 e), page 15
HUK-COBURGBasisTake out yes, up to the sum insuredA 1.2.3, page 12 yesA 2.5.3, page 16 yesA 2.5.4, page 16 noA 2.3.2 b, page 14 noA 3.4, page 21 yes, up to the sum insuredA 3.2.4, page 18
HUK-COBURGClassicTake out yes, up to the sum insuredA 1.2.3, page 12 yesA 2.5.3, page 16 yesA 2.5.4, page 16 yes, up to EUR 30,000, excess EUR 500A 3.4.2 a bb, page 23 yesA 3.4.1 f bb, page 21 yes, up to the sum insuredA 3.2.4, page 18
ItzehoerKomfortTake out yes, up to EUR 10,000VGB § 34 Nr. 1.3, page 16 yes, up to the sum insuredBEW § 3 Nr. 1, page 26 yes, up to the sum insuredBEW § 3 Nr. 2, page 26 yes, up to EUR 5,000VGB § 3 Nr. 4, page 7 yes, up to EUR 5,000Klausel 7361, page 19 yes, up to EUR 5,000Klausel 7362, page 19
ItzehoerTopTake out yes, up to the sum insuredVGB § 34 Nr. 1.3, page 16 yes, up to the sum insuredBEW § 3 Nr. 1, page 26 yes, up to the sum insuredBEW § 3 Nr. 2, page 26 yes, up to EUR 10,000VGB § 3 Nr. 4, page 7 yes, up to the sum insuredKlausel 7361, page 19 yes, up to the sum insuredKlausel 7362, page 19
JanitosBest SelectionTake out yes, up to the sum insuredZB § 57 (1), page 23 yes, up to the sum insuredZB § 25 (2) b), page 18 yes, up to the sum insuredZB § 25 (2) h), page 18 yes, up to the sum insuredZB § 16, page 17 yes, up to the sum insuredZB § 47, page 21 yes, up to the sum insuredZB § 40 (1), page 20
LVMVerbundeneTake out yes, up to the sum insuredTeil B § 23 Ziffer 1 b), page 35 yes, up to the sum insuredTeil A § 4 Ziffer 4 a), page 12 yes, up to the sum insuredTeil A § 4 Ziffer 4 b), page 12 yes, up to the sum insuredTeil A § 3 Ziffer 4 a), page 11 yes, up to the sum insuredKlausel 7361, page 42 yes, up to the sum insuredTeil A § 9 Ziffer 12, page 16
NeodigitalNEOTake out noB4.12.1.2, page 27 yes, up to the sum insuredA 5.4.1, page 8 yes, up to the sum insuredA 5.4.2, page 8 yes, up to the sum insuredA 4.4, page 6 not addressed not addressed
R+VPrivatPolice classicTake out yes, up to the sum insuredWGB F Ziffer 22.1.2, page 292 yes, up to the sum insuredWGB F Ziffer 4.3.1, page 269 yes, up to the sum insuredWGB F Ziffer 4.3.3, page 270 yes, up to the sum insuredWGB F Ziffer 3.5.1, page 268 yes, up to the sum insuredWGB F Ziffer 8.1.13, page 277 yes, up to the sum insuredWGB F Ziffer 8.1.6, page 276
R+VPrivatPolice comfortTake out yes, up to the sum insuredWGB F Ziffer 22.1.2, page 328 yes, up to the sum insuredWGB F Ziffer 4.3.1, page 305 yes, up to the sum insuredWGB F Ziffer 4.3.3, page 305 yes, up to the sum insuredWGB F Ziffer 3.5.1, page 303 yes, up to the sum insuredWGB F Ziffer 8.1.13, page 312 yes, up to the sum insuredWGB F Ziffer 8.1.6, page 311
SV SparkassenVersicherungSV PrivatSchutz KomfortTake out yes, up to EUR 10,00021.2, page 11 yes, up to the sum insured5.1, page 3 yes, up to the sum insured5.2, page 3 yes, up to the sum insured3.3, page 2 yes, up to EUR 10,0002.8.4, page 2 yes, up to EUR 100,0008.9.6, page 5
SV SparkassenVersicherungSV PrivatSchutz TopTake out yes, up to the sum insured21.2, page 12 yes, up to the sum insured5.1, page 4 yes, up to the sum insured5.2, page 4 yes, up to the sum insured3.3, page 3 yes, up to EUR 25,0002.12.4, page 2 yes, up to EUR 150,0008.9.6, page 6
VGHBasisTake out noA-19.1.2, page 23 yes, up to the sum insuredA-4.4.1, page 11 yes, up to the sum insuredA-4.4.2, page 3 not addressed not addressed not addressed
VGHKomfortTake out yes, up to EUR 10,000B-1.9, page 35 yes, up to the sum insuredA-4.4.1, page 11 yes, up to the sum insuredA-4.4.2, page 3 yes, up to EUR 10,000B-1.25, page 30 yes, up to EUR 10,000B-1.1, page 26 not addressed
VGHPremiumTake out yes, up to the sum insuredB-2.19, page 35 yes, up to the sum insuredA-4.4.1, page 11 yes, up to the sum insuredA-4.4.2, page 3 yes, up to the sum insuredB-2.39, page 30 yes, up to the sum insuredB-2.1, page 26 yes, up to the sum insuredB-2.33, page 27
VHVEXKLUSIVTake out yes, up to the sum insuredK 40, page 54 yesA 5.4.1, page 19 yesA 5.4.2.1, page 19 yes, up to the sum insuredA 4.4.1, page 17 yes, up to the sum insuredE 28, page 62 yes, up to the sum insuredE 12, page 60
VHVKLASSIK-GARANTTake out yes, up to the sum insuredK 40, page 54 yesA 5.4.1, page 19 yesA 5.4.2.1, page 19 yes, up to the sum insuredA 4.4.1, page 17 yes, up to EUR 10,000K 30, page 52 yes, up to EUR 50,000K 17, page 51
VPVEigenheim-SchutzTake out yes, up to the sum insuredB5 5.1.2, page 61 yes, up to the sum insuredA1 5.4.1, page 12 yes, up to the sum insuredA1 5.4.2, page 12 yes, up to the sum insuredA1 4.4, page 11 yes, up to the sum insuredA1 11.2.10, page 15 yes, up to EUR 100,000A1 11.2.8, page 15
VPVExklusivTake out yes, up to the sum insuredB5 5.1.2, page 36 yes, up to the sum insuredA1 5.4.1, page 11 yes, up to the sum insuredA1 5.4.2, page 11 yes, up to the sum insuredA1 4.4, page 10 yes, up to the sum insuredA1 11.2.10, page 15 yes, up to EUR 100,000A1 11.2.8, page 14
VPVKompaktTake out yes, up to EUR 5,000B5 5.1.2, page 37 yes, up to the sum insuredA1 5.4.1, page 11 yes, up to the sum insuredA1 5.4.2, page 11 yes, up to the sum insuredA1 4.4, page 10 yes, up to the sum insuredA1 11.2.10, page 15 yes, up to the sum insuredA1 11.2.8, page 14
WGVBasisTake out noB.4.13.1.2, page 34 yesA.5.4.1, page 15 yesA.5.4.1.4, page 15 not addressed not addressed yes, up to EUR 100,000A.12.5.1, page 17
WGVOptimalTake out yes, up to the sum insuredB.4.13.1.2, page 34 yesA.5.4.1, page 15 yesA.5.4.1.4, page 15 yes, up to the sum insuredA.4.5.5, page 14 yes, up to the sum insuredA.3.9.5, page 11 yes, up to the sum insuredA.12.5.1, page 17
WGVPlusTake out yes, up to the sum insuredB.4.13.1.2, page 34 yesA.5.4.1, page 15 yesA.5.4.1.4, page 15 yes, up to the sum insuredA.4.5.5, page 14 yes, up to the sum insuredA.3.9.5, page 11 yes, up to the sum insuredA.12.5.1, page 17
WürttembergischeKomfortSchutzTake out yes, up to the sum insuredII. Klauseln, Grobe Fahrlässigkeit, page 1 yes§ 4 Nr. 3 a, page 4 yes§ 4 Nr. 3 b, page 4 yes, up to EUR 10,000II. Klauseln, Erweiterte Versicherung von Wasserzuleitungs- und Heizungsrohren, page 5 yes, up to EUR 10,000II. Klauseln, Gebäudebeschädigung durch unbefugte Dritte, page 1 yes, up to the sum insuredII. Klauseln, Kosten für die Dekontamination von Erdreich, page 3
WürttembergischeKompaktSchutzTake out no§ 35 Nr. 1 b, page 16 yes§ 4 Nr. 3 a, page 4 yes§ 4 Nr. 3 b, page 4 yes, up to EUR 5,000II. Klauseln, Erweiterte Versicherung von Wasserzuleitungs- und Heizungsrohren, page 3 yes, up to EUR 5,000II. Klauseln, Gebäudebeschädigung durch unbefugte Dritte, page 1 yes, up to EUR 5,000II. Klauseln, Kosten für die Dekontamination von Erdreich, page 2
WürttembergischePremiumPlusTake out yes, up to the sum insuredII. Klauseln, Grobe Fahrlässigkeit, page 2 yes§ 4 Nr. 1 c, page 2 yes§ 4 Nr. 3 b, page 4 yes, up to the sum insuredII. Klauseln, Erweiterte Versicherung von Wasserzuleitungs- und Heizungsrohren, page 7 yes, up to the sum insuredII. Klauseln, Gebäudebeschädigung durch unbefugte Dritte, page 2 yes, up to the sum insuredII. Klauseln, Kosten für die Dekontamination von Erdreich, page 4
WürttembergischePremiumSchutzTake out yes, up to the sum insuredII. Klauseln, Grobe Fahrlässigkeit, page 2 yes§ 4 Nr. 3 a, page 4 yes§ 4 Nr. 3 b, page 4 yes, up to the sum insuredII. Klauseln, Erweiterte Versicherung von Wasserzuleitungs- und Heizungsrohren, page 7 yes, up to the sum insuredII. Klauseln, Gebäudebeschädigung durch unbefugte Dritte, page 2 yes, up to the sum insuredII. Klauseln, Kosten für die Dekontamination von Erdreich, page 4
ZurichPrivatSchutzTake out noZiffer 9.3.2, page 9 yes, up to the sum insuredZiffer 2.8.1, page 4 yes, up to the sum insuredZiffer 2.8.2, page 4 noZiffer 2.6.3, page 3 yes, up to the sum insuredZiffer 3.3, page 6 not addressed

Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 83 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • Adam Riese
  • Allianz
  • ALTE LEIPZIGER
  • AXA
  • Continentale
  • CosmosDirekt
  • degenia
  • Domcura
  • ERGO
  • Generali
  • HanseMerkur
  • HUK24
  • Interlloyd
  • InterRisk
  • Ostangler
  • Provinzial
  • SIGNAL IDUNA
  • SV Sachsen
  • WWK

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

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