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Every German policy wording: Vacant property insurance

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Key points side by side

Open a tariff for all 59 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Vacancy starts after Max. vacancy period Escape of water Limited perils only Inspections Heating duty
Adam Riese XXL Vacant property coverTake out Adam Riese XXL Vacant property cover yes not addressed yes not addressed yes yes
Allianz Premium Vacant property coverTake out Allianz Premium Vacant property cover yes not addressed yes not addressed yes yes
ALTE LEIPZIGER Classic, Klauseln Vacant property coverTake out ALTE LEIPZIGER Classic, Klauseln Vacant property cover yes not addressed yes not addressed yes yes
ALTE LEIPZIGER Comfort Vacant property coverTake out ALTE LEIPZIGER Comfort Vacant property cover yes not addressed yes not addressed yes yes
ARAG Schutz Komfort Vacant property coverTake out ARAG Schutz Komfort Vacant property cover yes not addressed yes yes yes yes
AXA alternativ Vacant property coverTake out AXA alternativ Vacant property cover yes not addressed yes not addressed yes yes
BarmeniaGothaer Barmenia Premium-Plus-Schutz Vacant property coverTake out BarmeniaGothaer Barmenia Premium-Plus-Schutz Vacant property cover yes not addressed yes not addressed yes yes
BGV Exklusiv Vacant property coverTake out BGV Exklusiv Vacant property cover yes not addressed yes not addressed yes yes
Continentale ImmoGuard Xl Vacant property coverTake out Continentale ImmoGuard Xl Vacant property cover yes not addressed yes not addressed yes yes
CosmosDirekt Comfort Vacant property coverTake out CosmosDirekt Comfort Vacant property cover yes not addressed yes not addressed yes yes
degenia Tarif T26 Optimum Vacant property coverTake out degenia Tarif T26 Optimum Vacant property cover yes not addressed yes yes yes yes
DEVK Premium Vacant property coverTake out DEVK Premium Vacant property cover yes not addressed yes not addressed yes yes
die Bayerische 2025 Vgb 2014 Vacant property coverTake out die Bayerische 2025 Vgb 2014 Vacant property cover yes not addressed yes not addressed yes yes
Domcura Einfamilienhaus mit Leerstandsprüfung Vacant property coverTake out Domcura Einfamilienhaus mit Leerstandsprüfung Vacant property cover not yet checked not yet checked not yet checked not yet checked not yet checked not yet checked
Domcura Einfamilienhaus mit Leerstandsprüfung Exklusiv Schutz Vacant property coverTake out Domcura Einfamilienhaus mit Leerstandsprüfung Exklusiv Schutz Vacant property cover yes not addressed yes not addressed yes yes
Domcura Einfamilienhaus mit Leerstandsprüfung Komfort Schutz Vacant property coverTake out Domcura Einfamilienhaus mit Leerstandsprüfung Komfort Schutz Vacant property cover yes not addressed yes not addressed yes yes
Domcura Einfamilienhaus mit Leerstandsprüfung Standard Schutz Vacant property coverTake out Domcura Einfamilienhaus mit Leerstandsprüfung Standard Schutz Vacant property cover yes not addressed yes not addressed yes yes
Domcura Einfamilienhaus mit Leerstandsprüfung Top Schutz Vacant property coverTake out Domcura Einfamilienhaus mit Leerstandsprüfung Top Schutz Vacant property cover yes not addressed yes not addressed yes yes
GEV Max 2021 Vacant property coverTake out GEV Max 2021 Vacant property cover not addressed not addressed not addressed not addressed not addressed not addressed
GEV Basis 2023 Vacant property coverTake out GEV Basis 2023 Vacant property cover yes not addressed yes not addressed none none
GEV Max 2023 Vacant property coverTake out GEV Max 2023 Vacant property cover yes yes yes not addressed none none
GEV Wohngebäudeversicherung (VGB 2018) Vacant property coverTake out GEV Wohngebäudeversicherung (VGB 2018) Vacant property cover yes not addressed yes not addressed none none
Gothaer Ein- und Zweifamilienhaus Premium Vacant property coverTake out Gothaer Ein- und Zweifamilienhaus Premium Vacant property cover yes not addressed yes not addressed none none
HUK-COBURG Basis Vacant property coverTake out HUK-COBURG Basis Vacant property cover yes not addressed yes not addressed none none
HUK24 Basis Vacant property coverTake out HUK24 Basis Vacant property cover yes not addressed yes not addressed none none
Interlloyd Infinitus Vacant property coverTake out Interlloyd Infinitus Vacant property cover yes not addressed yes not addressed none none
InterRisk Gebäudehaftpflicht Vacant property coverTake out InterRisk Gebäudehaftpflicht Vacant property cover not addressed not addressed not addressed not addressed not addressed not addressed
InterRisk XL Vacant property coverTake out InterRisk XL Vacant property cover yes not addressed yes not addressed none none
Itzehoer Top Vacant property coverTake out Itzehoer Top Vacant property cover yes not addressed yes not addressed none none
Janitos Best Selection Vacant property coverTake out Janitos Best Selection Vacant property cover yes not addressed yes not addressed none none
LVM Verbundene Vacant property coverTake out LVM Verbundene Vacant property cover yes not addressed yes not addressed none none
Mannheimer Top '15 Vacant property coverTake out Mannheimer Top '15 Vacant property cover yes not addressed yes not addressed none none
Neodigital NEO Vacant property coverTake out Neodigital NEO Vacant property cover yes not addressed yes not addressed none none
NV Wohnhaus 2.0 Vacant property coverTake out NV Wohnhaus 2.0 Vacant property cover not addressed not addressed yes not addressed yes yes
Ostangler Wohngebäudeversicherung Vacant property coverTake out Ostangler Wohngebäudeversicherung Vacant property cover yes not addressed yes not addressed yes yes
R+V PrivatPolice comfort Vacant property coverTake out R+V PrivatPolice comfort Vacant property cover not addressed not addressed yes not addressed yes yes
SV SparkassenVersicherung SV PrivatSchutz Top Vacant property coverTake out SV SparkassenVersicherung SV PrivatSchutz Top Vacant property cover yes not addressed yes not addressed yes yes
uniVersa Private Sachversicherung Vacant property coverTake out uniVersa Private Sachversicherung Vacant property cover not addressed not addressed yes not addressed yes yes
VGH Premium Vacant property coverTake out VGH Premium Vacant property cover yes not addressed yes yes yes yes
VHV Haus- und Grundbesitzerhaftpflicht Vacant property coverTake out VHV Haus- und Grundbesitzerhaftpflicht Vacant property cover not addressed not addressed not addressed not addressed not addressed not addressed
VHV EXKLUSIV Vacant property coverTake out VHV EXKLUSIV Vacant property cover yes yes yes not addressed yes yes
VPV Exklusiv Vacant property coverTake out VPV Exklusiv Vacant property cover not addressed not addressed yes not addressed yes yes
Waldenburger VGB 2022 Premium Plus Vacant property coverTake out Waldenburger VGB 2022 Premium Plus Vacant property cover yes yes yes not addressed yes yes
WGV Haus- und Grundbesitzerhaftpflicht Vacant property coverTake out WGV Haus- und Grundbesitzerhaftpflicht Vacant property cover not addressed not addressed not addressed not addressed not addressed not addressed
WGV Plus Vacant property coverTake out WGV Plus Vacant property cover yes not addressed yes yes yes yes
WWK Wohngebaeude Plus Vacant property coverTake out WWK Wohngebaeude Plus Vacant property cover yes yes yes not addressed yes yes
Württembergische privat Vacant property coverTake out Württembergische privat Vacant property cover not addressed not addressed not addressed not addressed not addressed not addressed
Württembergische PremiumPlus Vacant property coverTake out Württembergische PremiumPlus Vacant property cover not addressed not addressed yes not addressed yes yes
Zurich PrivatSchutz Vacant property coverTake out Zurich PrivatSchutz Vacant property cover yes not addressed yes not addressed 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 59 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.

  • Baloise
  • ERGO
  • HDI
  • SV Sachsen

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.

Updated