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BarmeniaGothaer Barmenia: the policy wording in full
Privathaftpflicht Premium-Schutz, die die Vermietung eines Ferienhauses oder einer Ferienwohnung in Europa zu Wohnzwecken bis zur Versicherungssumme einschließt, ohne Sachschutz für Inventar und ohne Mietausfall.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for BarmeniaGothaer Barmenia.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated product for let holiday homes (not just an extension of personal liability, contents or buildings cover) | no | „Versichert sind Sie als Vermieter ... eines Ferien-/Wochenendhauses oder einer …“ | Übersicht C, A1-6.6.2, page 1 |
| Building blocks in one contract: liability, contents, buildings and loss of rent freely combinable | not addressed | ||
| Commercial letting (registered business, letting as main income) insurable | not addressed | ||
| Maximum number of units, beds or guests per contract | yes | „eines Ferien-/Wochenendhauses oder einer Ferienwohnung, sofern diese ausschließlich zu …“ | Übersicht C, A1-6.6.2, page 2 |
| Annual rental income cap up to which letting is covered | not addressed | ||
| Holiday property abroad insurable (countries verbatim) | yes | „Versichert ist Ihre gesetzliche Haftpflicht aus der Vermietung – soweit innerhalb …“ | A1-6.6.2, page 10 |
| Policyholder need not live on site (second home, remote management) | not addressed | ||
| Owner's own use between lets covered | yes | „Versichert sind Sie als Eigentümer oder Mieter – einer oder mehrerer …“ | Übersicht C, A1-6.6.1, page 2 |
| Letting via booking platforms (Airbnb, Booking etc.) expressly included | not addressed |
Landlord liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for landlord liability (combined bodily injury and property damage) | yes, up to the sum insured | „Vereinbart ist eine pauschale Versicherungssumme für Personen-, Sach- und Vermögensschäden“ | Übersicht A, page 1 |
| Bodily injury to guests (falls, scalding, defective fittings) | yes, up to the sum insured | „Versicherungsschutz erstreckt sich für die in A1-6.6.1 und A1-6.6.2 genannten Risiken …“ | A1-6.6.3, page 10 |
| Liability for damage caused by defective furnishings or appliances | not addressed | ||
| Damage to or loss of guests' belongings (innkeeper's liability) | not addressed | ||
| Duty to maintain safety of grounds, paths, winter clearing and outdoor areas | yes | „aus der Verletzung von Pflichten, die Ihnen in den oben genannten Eigenschaften …“ | A1-6.6.3 a), page 10 |
| Liability for pool, hot tub, sauna, play equipment and trampoline | not addressed | ||
| Liability from bicycles, e-bikes, boats or sports equipment lent to guests | not addressed | ||
| Loss of third-party keys and locking systems | yes, up to the sum insured | „Versichert sind Schäden aus dem Abhandenkommen von fremden, zu privaten Zwecken …“ | A1-6.14.1, page 11 |
| Water pollution liability from a heating oil tank on the property | yes | „Mitversichert ist ein Heizöltank – ohne Begrenzung des Fassungsvermögens – für das von …“ | Übersicht C, A2-2, page 2 |
| Environmental damage under public-law remediation duties | yes, up to the sum insured | „Versichert sind – abweichend von A1-3.1 – die Sie betreffenden öffentlich-rechtliche …“ | A2-3.1, page 20 |
| Default cover when a liable guest or third party does not pay | yes, up to the sum insured | „Forderungsausfallschutz (ohne Mindestschadenhöhe) bis zur Versicherungssumme“ | Übersicht A, A3, page 1 |
Damage caused by guests
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage by guests to the furnishings (wine on the sofa, broken appliances) | not addressed | ||
| Damage by guests to the building or flat (floors, doors, sanitary) | not addressed | ||
| Vandalism and malicious damage by guests (without break-in) | not addressed | ||
| Theft by guests (simple theft without forced entry) | not addressed | ||
| Damage caused by guests' pets | not addressed | ||
| Special cleaning after guest damage (smoke, vomit, pests) | not addressed | ||
| Exclusion of wear and tear from normal use | yes | „Nicht versichert sind Haftpflichtansprüche wegen Abnutzung, Verschleiß oder übermäßiger …“ | A1-6.8.2, page 11 |
| Guest's deposit or liability insurance must be claimed first (subsidiarity) | not addressed | ||
| Waiver of recourse against the guest for slightly negligent damage | not addressed |
Contents and building
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for the holiday home contents | not addressed | ||
| Indemnity at replacement value (new for old) | not addressed | ||
| Waiver of underinsurance | not addressed | ||
| Building of the holiday property insurable in the same contract | not addressed | ||
| Fire, lightning, explosion | not addressed | ||
| Escape of water and frost | not addressed | ||
| Storm and hail | not addressed | ||
| Burglary and vandalism after break-in | not addressed | ||
| Other natural hazards (flood, heavy rain, earthquake, snow load) | not addressed | ||
| Electronics and appliances (TV, router, kitchen) against breakage and misuse | not addressed | ||
| Garden furniture, barbecue and contents on terrace or balcony | not addressed | ||
| No reduction for gross negligence | yes, up to EUR 20,000 | „Keine Leistungseinschränkung bei grob fahrlässiger Verletzung einer Obliegenheit bis zu …“ | Übersicht D, B-3, page 4 |
| Inventory list required for indemnity | not addressed |
Loss of rent and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of rent when the property cannot be let after an insured loss | not addressed | ||
| Maximum duration of loss of rent cover in months | not addressed | ||
| Loss of rent only for bookings that can be evidenced | not addressed | ||
| Loss of rent from closure or prohibition of use by authorities | not addressed | ||
| Costs of alternative accommodation for guests after a loss | not addressed | ||
| Owner's travel costs to the loss location | not addressed | ||
| On-site emergency and tradesperson service (locksmith, plumbing, heating) | not addressed | ||
| Legal expenses for disputes with guests or booking platforms | not addressed | ||
| Clearance, demolition, removal and protection costs | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | yes | „mit einem im Versicherungsschein und seinen Nachträgen festgelegten Betrag …“ | A1-5.4, page 9 |
| Exclusion of commercial letting | yes | „Nicht versichert sind die Gefahren eines Berufes, Dienstes, Amtes oder die eines …“ | Übersicht C, A1-1, page 1 |
| Exclusion of damage at parties, events or overcrowding | not addressed | ||
| Vacancy clause: restriction if the property is unoccupied for longer (period verbatim) | not addressed | ||
| Duty of regular inspections between stays | not addressed | ||
| Frost obligation: heating or draining pipes when vacant | not addressed | ||
| Security requirements (locks, key safe, alarm, smoke detectors) | not addressed | ||
| Proof of official permit or registration required | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and notice period | yes | „Der Vertrag verlängert sich mit dem Ablauf der Vertragslaufzeit um ein Jahr und weiter …“ | B-5.2.2, page 34 |
| Insurer's right to cancel after a claim | yes | „Sie oder wir können den Vertrag kündigen, wenn – wir eine Schadenersatzzahlung …“ | B-5.2.4, page 33 |
| Basis of premium calculation (floor area, beds, rental income, sum insured) | not addressed | ||
| Innovation clause: future improvements apply without extra premium | yes | „Innovationsklausel: Künftige beitragsfreie Bedingungsverbesserungen werden automatisch …“ | Übersicht E, B-16, page 4 |
| Guarantee of being no worse than the association model wording | yes | „Die Barmenia garantiert Ihnen, dass die Leistungen dieser Privathaftpflichtversicherung …“ | Übersicht, page 1 |
| Contract language and applicable law (for properties abroad) | 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.
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Policy wordings and provider
- Legal entity
- Barmenia Gothaer (Marke nach Fusion), Barmenia Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Allgemeine Versicherungsbedingungen Privathaftpflicht (A 3789) Edition: A 3789-02 01/2023, AVB PHV Premium-Schutz Stand 01.01.2023 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for BarmeniaGothaer Barmenia and available as plain text.
Volltext BarmeniaGothaer Barmenia Ferienvermietung · As text (Markdown) BarmeniaGothaer Barmenia Holiday letting