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Janitos Gebäude und Inhalt für Kleingärten: the policy wording in full
Gruppenvertrag des Landesverbands Rheinland der Gartenfreunde bei der Janitos für Lauben nach Bundeskleingartengesetz: Grundversicherung für Gebäude, Inhalt und Glas gegen Feuer, Einbruchdiebstahl, Sturm, Hagel und Glasbruch, Höherversicherung möglich.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Janitos Gebäude und Inhalt für
Kleingärten.
Basics and contract form
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for the garden house (building including attached extensions) | yes, up to EUR 10,000 | „für Lauben beträgt die Versicherungssumme für die Feuer-, Sturm- und Hagelversicherung …“ | Merkblatt 5.3, page 2 |
| Sum insured for the contents of the garden house (furnishings, tools, supplies) | yes, up to EUR 2,000 | „beträgt die Versicherungssumme innerhalb der ... Sturmversicherung 2.000 Euro“ | Merkblatt 5.3, page 2 |
| Contract form: stand-alone policy, group contract of an allotment association or add-on to contents or buildings insurance | no | „Beitrittsberechtigt sind Vereinsmitglieder von Kleingartenvereinen, die dem …“ | Merkblatt, Beitrittsberechtigte, page 1 |
| Membership of an allotment association required | yes | „Beitrittsberechtigt sind Vereinsmitglieder von Kleingartenvereinen, die dem …“ | Merkblatt, Beitrittsberechtigte, page 1 |
| Restricted to allotments under allotment garden law | yes | „zur Gebäude- und Inhaltsversicherung für Lauben auf Kleingartengrundstücken“ | Merkblatt, Titel, page 1 |
| Size limit for the insurable garden house (floor area) | not addressed | ||
| Timber garden houses and soft roofing insurable | not addressed | ||
| Garden house indemnified at replacement value | yes | „Die versicherten Sachen sind zum Neuwert versichert.“ | Merkblatt 12.1, page 4 |
| Indemnity limited to current value for old or poorly maintained garden houses | yes | „Ohne Vorlage der Originalrechnung werden im Schadenfall Schätzbeträge (zum Zeitwert) …“ | Merkblatt 11.1, page 3 |
| Contents indemnified at replacement value | yes | „Die versicherten Sachen sind zum Neuwert versichert.“ | Merkblatt 12.1, page 4 |
| Waiver of underinsurance or first loss cover | yes | „Innerhalb der Inhaltsversicherung nimmt der Versicherer bei der Entschädigung keinen …“ | Merkblatt 12.2, page 4 |
Insured property
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outbuildings on the plot (tool shed, greenhouse, toilet hut) | yes, up to the sum insured | „besteht Versicherungsschutz für die zulässigen Baulichkeiten“ | Merkblatt 1.1, page 1 |
| Fences, gates, paths, terraces and pergolas | yes, up to EUR 300 | „Versicherungsschutz für Einfriedungen, Zäune, Bäume ... sofern sie in Verbindung mit …“ | Merkblatt 1.3, page 1 |
| Awnings, canopies and covered seating area | yes, up to EUR 500 | „Vordächer ist auf 500 Euro je Versicherungsfall begrenzt.“ | Merkblatt 4.2, page 2 |
| Plants, trees, shrubs and crops | yes, up to EUR 300 | „Versicherungsschutz für Einfriedungen, Zäune, Bäume ... sofern sie in Verbindung mit …“ | Merkblatt 1.3, page 1 |
| Garden furniture, barbecue and play equipment outdoors on the plot | no | „Versicherungsschutz für den innerhalb der versicherten Gebäude befindlichen …“ | Merkblatt 2.1, page 1 |
| Garden tools, lawn mowers, robotic mowers and tools | yes, up to the sum insured | „erforderlich ist sowie Geräte und Maschinen, die zur“ | Merkblatt 1.1, page 1 |
| Consumer electronics and electrical appliances in the garden house | yes, up to EUR 250 | „Audiogeräte 100 Euro“ | Merkblatt 9, page 3 |
| Solar system, off-grid system or plug-in solar device of the garden house | yes, up to the sum insured | „Solarmodule inkl. Befestigung gegen Feuer, Diebstahl-, Sturm- und Hagelschäden …“ | Merkblatt 7, page 2 |
| Pool, pond, well and pumps | not addressed | ||
| Bicycles and e-bikes in the garden house | no | „Fahrräder und Mofas; Kraftfahrzeuge aller Art und deren“ | Merkblatt 10, page 3 |
| Cash, jewellery and valuables | no | „Bargeld; Urkunden; Sparbücher; Wertpapiere;“ | Merkblatt 10, page 3 |
| Third-party property (borrowed or hired items, association property) | no | „Gegenstände, die nicht dem Versicherten gehören“ | Merkblatt 10, page 3 |
| Food, supplies and frozen goods | yes, up to EUR 30 | „Lebensmittel zum kurzen“ | Merkblatt 9, page 3 |
| Small animals and bee colonies | no | „Gartenerzeugnisse und Pflanzen; Vögel- und Bienenvölker“ | Merkblatt 10, page 3 |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion | yes, up to the sum insured | „durch a) Brand; b) Blitzschlag; c) Explosion oder d) Anprall oder“ | Merkblatt 1.2, page 1 |
| Power surge damage caused by lightning | yes, up to the sum insured | „besteht Versicherungsschutz für Überspannungsschäden durch Blitz.“ | Merkblatt 8.1, page 1 |
| Scorch and smoulder damage | not addressed | ||
| Burglary from the locked garden house | yes, up to the sum insured | „Einbruchdiebstahl oder b) Vandalismus nach einem“ | Merkblatt 2.2, page 1 |
| Vandalism following a burglary | yes, up to the sum insured | „Einbruchdiebstahl oder b) Vandalismus nach einem“ | Merkblatt 2.2, page 1 |
| Malicious damage without break-in (to garden house, fence, plants) | not addressed | ||
| Building damage from attempted burglary (doors, windows, locks) | yes, up to EUR 700 | „Die Entschädigungsleistung ist hierbei auf 700 Euro“ | Merkblatt 2.3, page 1 |
| Simple theft from the plot (without break-in) | yes, up to EUR 250 | „Einfacher Diebstahl von auf dem Grundstück fest verankerten“ | Merkblatt 8.2, page 2 |
| Graffiti | not addressed | ||
| Storm and hail | yes, up to the sum insured | „die unmittelbare Einwirkung des Sturms oder Hagels auf“ | Merkblatt 4.2, page 2 |
| Escape of water | not addressed | ||
| Frost and burst damage to pipes and fittings | not addressed | ||
| Further natural hazards (flood, heavy rain, backwater, snow load, landslide) | not addressed | ||
| Glass breakage of windows and doors of the garden house | yes, up to EUR 1,000 | „Glasversicherung beträgt die Versicherungssumme 1.000“ | Merkblatt 5.3, page 2 |
| Glazing of greenhouse, cold frame and conservatory | yes, up to EUR 1,000 | „Glasscheiben der versicherten Gebäude und der“ | Merkblatt 3.1, page 2 |
| Damage by wild animals (martens, rodents, wild boar) | not addressed | ||
| No reduction of benefits for gross negligence | not addressed |
Costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Debris removal and demolition costs | yes, up to the sum insured | „In Erweiterung zu Punkt 1 und 4 werden notwendige“ | Merkblatt 8.4, page 3 |
| Fire-fighting costs | not addressed | ||
| Lock replacement costs after loss of keys or burglary | not addressed | ||
| Removal of fallen trees | not addressed | ||
| Replanting of the garden | not addressed | ||
| Decontamination of soil | not addressed | ||
| Loss of water following a burst pipe | not addressed | ||
| Additional costs due to official requirements on rebuilding | not addressed |
Duties and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Security lock or special safeguards required for burglary cover | not addressed | ||
| Restrictions in winter or during longer absence (removal of valuables, inspections) | not addressed | ||
| Duty to shut off and drain water installations in the cold season | not addressed | ||
| Exclusion for permanent residence in or letting of the garden house | not addressed | ||
| Requirements for fireplaces, stoves, gas cylinders and barbecues | not addressed | ||
| Exclusion of unauthorised or non-compliant structures and extensions | yes | „Voraussetzung für den Versicherungsschutz ist, dass es sich bei den Gebäuden um …“ | Merkblatt 3.1, page 1 |
| Deadlines for reporting claims and notifying the police, list of stolen items | yes | „Schäden durch Feuer, Explosion oder Einbruchdiebstahl sind unverzüglich der Polizei …“ | Merkblatt 13, page 4 |
Liability and add-ons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability as tenant or owner of the garden included | not addressed | ||
| Damage to leased property and shared facilities of the association | not addressed | ||
| Accident cover for gardening included | not addressed | ||
| Legal expenses cover included | not addressed | ||
| Assistance (tradesman service, locksmith, emergency help) | not addressed |
Deductible, term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | not addressed | ||
| Special deductible for storm, hail or other natural hazards | not addressed | ||
| Waiting period before cover starts (usually for natural hazards) | not addressed | ||
| Contract term and renewal | yes | „Das Versicherungsjahr ist das Kalenderjahr. Wird der Vertrag nicht spätestens drei …“ | Merkblatt 5.1, page 2 |
| Daily right of cancellation for the policyholder | not addressed | ||
| Rule at end of lease or change of tenant (end of contract, transfer to successor) | yes | „Scheidet das Mitglied aus dem Verein/Verband aus, erlischt“ | Merkblatt 5.2, page 2 |
| Automatic adjustment of the sum insured (index-linked) | not addressed | ||
| Premium adjustment clause | not addressed |
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Policy wordings and provider
- Legal entity
- Janitos Versicherung Aktiengesellschaft
- Distribution
- available through brokers
- Merkblatt Gebäude- und Inhaltsversicherung für Kleingärten (Bedingungsnummer 280404, LIG 24.07.5) Edition: 07.2024 (Bedingungsnummer 280404, LIG 24.07.5) Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for Janitos Gebäude und Inhalt für Kleingärten and available as
plain text.
Volltext Janitos Gebäude und Inhalt für Kleingärten Laubenversicherung · As text (Markdown) Janitos Gebäude und Inhalt für Kleingärten Allotment insurance