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Every German policy wording: Home emergency cover

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Key points side by side

Open a tariff for all 62 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Per call out Locked out Drain clearance Heating Materials Self hired
ADAC Zuhause Schutzbrief Exklusiv Home emergency coverTake out ADAC Zuhause Schutzbrief Exklusiv Home emergency cover yes, up to EUR 500 yes, up to EUR 500 no no no not addressed
Allianz Direct Direct Plus mit Haus- und Home emergency coverTake out Allianz Direct Direct Plus mit Haus- und Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 not addressed not addressed not addressed
Allianz PrivatSchutz mit Haus- und Home emergency coverTake out Allianz PrivatSchutz mit Haus- und Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 not addressed no not addressed
ARAG Haus- und Wohnungs-Schutzbrief Home emergency coverTake out ARAG Haus- und Wohnungs-Schutzbrief Home emergency cover yes, up to EUR 1,000 yes, up to EUR 1,000 yes, up to EUR 1,000 yes, up to EUR 1,000 not addressed no
BarmeniaGothaer Barmenia Haus- und Home emergency coverTake out BarmeniaGothaer Barmenia Haus- und Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes no
DEVK mit Haus- und Home emergency coverTake out DEVK mit Haus- und Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 not addressed no
die Bayerische Haus- und Home emergency coverTake out die Bayerische Haus- und Home emergency cover not addressed yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 not addressed no
ERGO SmartHome-Schutzbrief Home emergency coverTake out ERGO SmartHome-Schutzbrief Home emergency cover yes, up to EUR 3,000 not addressed not addressed not addressed not addressed yes, up to EUR 500
HUK-COBURG mit Haus- und Home emergency coverTake out HUK-COBURG mit Haus- und Home emergency cover yes, up to EUR 750 yes, up to EUR 750 yes, up to EUR 750 yes, up to EUR 750 no not addressed
Interlloyd HWSB-Baustein Gebäudepolice Home emergency coverTake out Interlloyd HWSB-Baustein Gebäudepolice Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 not addressed no
Interlloyd HWSB-Baustein Hausratpolice Home emergency coverTake out Interlloyd HWSB-Baustein Hausratpolice Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 not addressed no
ROLAND HomeAssist Home emergency coverTake out ROLAND HomeAssist Home emergency cover yes, up to EUR 500 yes yes, up to EUR 500 yes, up to EUR 500 no yes, up to EUR 300
ROLAND HomeSecure Home emergency coverTake out ROLAND HomeSecure Home emergency cover not addressed not addressed not addressed not addressed not addressed not addressed
SV SparkassenVersicherung SV Schutzbrief SorglosWohnen Home emergency coverTake out SV SparkassenVersicherung SV Schutzbrief SorglosWohnen Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 25 not addressed
VPV mit Haus- und Wohnungsschutz-Brief Home emergency coverTake out VPV mit Haus- und Wohnungsschutz-Brief Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 no no
WGV mit Haus- und Home emergency coverTake out WGV mit Haus- und Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 not addressed no
Württembergische Schutzbrief Home emergency coverTake out Württembergische Schutzbrief Home emergency cover yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 yes, up to EUR 500 no no

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 62 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.

  • uniVersa
  • VRK

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.

JSON CSV (Excel)

Updated