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Landlord and property owner liability in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 67 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Limit Multi family Vacant land Winter service Oil tank Deductible
BGV Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out as stated in the policy schedule not addressed yes yes yes none
CosmosDirekt Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out as stated in the policy schedule not addressed yes yes no none
degenia T26 Classic Property owner liabilityTake out yes, up to EUR 5 million not addressed yes yes no none
degenia T26 Optimum Property owner liabilityTake out yes, up to EUR 15 million not addressed yes yes no none
degenia T26 Premium Property owner liabilityTake out yes, up to EUR 10 million not addressed yes yes no none
DEVK Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out as stated in the policy schedule not addressed yes yes no none
die Bayerische 2025 Property owner liabilityTake out yes, up to EUR 25 million yes yes yes yes none
Die Haftpflichtkasse Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out as stated in the policy schedule not addressed yes yes yes none
Die Haftpflichtkasse HuG Plus Property owner liabilityTake out as stated in the policy schedule not addressed yes yes yes none
Domcura Einfamilienhaus Property owner liabilityTake out yes, up to EUR 10 million not addressed yes yes no none
Domcura Mehrfamilienhaus Property owner liabilityTake out yes, up to EUR 10 million yes yes yes yes none
GEV HomeCare HuG Max Property owner liabilityTake out as stated in the policy schedule not addressed yes yes yes, up to the sum insured, excess EUR 250 none
GEV HomeCare HuG Top Property owner liabilityTake out as stated in the policy schedule not addressed yes yes no none
HUK-COBURG Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out yes, up to EUR 15 million not addressed not addressed yes yes not addressed
HUK24 Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out yes, up to EUR 15 million not addressed not addressed yes yes not addressed
Interlloyd Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out as stated in the policy schedule not addressed yes yes yes none
InterRisk XXL Property owner liabilityTake out as stated in the policy schedule not addressed yes yes yes not addressed
Itzehoer Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out yes, up to EUR 15 million yes yes yes yes yes
LVM Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out as stated in the policy schedule yes not addressed yes yes yes
Mannheimer Haus- und Grundbesitzer-Haftpflicht Property owner liabilityTake out as stated in the policy schedule not addressed not addressed yes not addressed yes
NV HuG Premium 2.0 Property owner liabilityTake out as stated in the policy schedule yes yes yes yes yes
NV HuG PremiumPlus 2.0 Property owner liabilityTake out as stated in the policy schedule yes yes yes yes yes
R+V Police Property owner liabilityTake out as stated in the policy schedule yes yes yes yes yes
SV SparkassenVersicherung SV PrivatSchutz Basis Property owner liabilityTake out as stated in the policy schedule yes yes yes yes not addressed
SV SparkassenVersicherung SV PrivatSchutz Komfort Property owner liabilityTake out as stated in the policy schedule yes yes yes yes not addressed
SV SparkassenVersicherung SV PrivatSchutz Top Property owner liabilityTake out as stated in the policy schedule yes yes yes yes not addressed
VHV KLASSIK-GARANT Property owner liabilityTake out as stated in the policy schedule yes yes yes yes yes
VPV Exklusiv Property owner liabilityTake out as stated in the policy schedule yes yes yes yes yes
VPV Kompakt Property owner liabilityTake out as stated in the policy schedule yes yes yes yes yes
WGV Haus- und Grundbesitzerhaftpflicht Property owner liabilityTake out as stated in the policy schedule yes yes yes yes yes
Württembergische privat Property owner liabilityTake out as stated in the policy schedule yes yes yes yes yes

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 67 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.

  • AIG
  • Allianz
  • ALTE LEIPZIGER
  • AXA
  • BarmeniaGothaer
  • ERGO
  • Gothaer
  • Konzept & Marketing
  • Mecklenburgische
  • Provinzial
  • SIGNAL IDUNA
  • Waldenburger
  • Zurich

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