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ADAC Zuhause Schutzbrief Exklusiv: the policy wording in full
Eigenständiger Zuhause-Schutzbrief mit Kostenübernahme bis 500 Euro je Versicherungsfall für Schlüsseldienst, Elektro, Schädlinge, Wespen, Tier- und Kinderbetreuung, Rohrreinigung, Sanitär und Heizung nur als Vermittlung.
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Everything about this policy
What the policy covers: 62 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ADAC Zuhause Schutzbrief Exklusiv.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Available as a standalone contract without contents or buildings cover with the same insurer | yes | „Wir bieten Ihnen eine Haus- und Wohnungs-Schutzbrief-Versicherung an.“ | Informationsblatt, page 1 |
| Available as an add-on to contents insurance | not addressed | ||
| Available as an add-on to buildings insurance | not addressed | ||
| Insured location: the flat or single family house named in the policy | yes | „Versicherungsort ist Ihre private selbst genutzte Wohnung oder Ihr privat genutztes …“ | Ziffer 2, page 4 |
| Second or holiday home covered or can be added | not addressed | ||
| Usable by tenants too (benefits not tied to ownership) | not addressed | ||
| Insured persons: policyholder and persons living in the same household | yes | „Der Schutz Ihres ADAC Zuhause-Schutzbriefs gilt für Sie als unseren …“ | Ziffer 1, page 3 |
| Maximum benefit per call out or claim | yes, up to EUR 500 | „Für den Kostenersatz gilt eine Höchstentschädigung von jeweils 500 Euro.“ | Informationsblatt, page 1 |
| Maximum benefit per policy year (all call outs together) | not addressed | ||
| Number of call outs per year capped | yes | „Im ersten Versicherungsjahr übernehmen wir nur Kosten für die Behebung Ihres ersten …“ | Ziffer 3.1, page 3 |
| Emergency hotline available around the clock every day | yes | „Unsere Servicezentrale steht Ihnen an allen Tagen des Jahres rund um die Uhr zur …“ | Ziffer 3, page 4 |
| Costs reimbursed when the customer hires a tradesperson directly (without the hotline) | not addressed | ||
| Material and spare parts covered, not only call out and labour | no | „Wir übernehmen hierfür Kosten bis zu maximal 500 Euro je Versicherungsfall. Für …“ | Ziffer 3.1 Notfall-Elektro-Installateur-Service, page 4 |
| Labour time per call out capped (hours) | not addressed |
Keys and security
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Locksmith when locked out (door closed, key inside) | yes, up to EUR 500 | „Dies gilt auch dann, wenn Sie sich in Ihrem Zuhause eingeschlossen haben.“ | Ziffer 3.1 Schlüsselnotdienst, page 4 |
| Locksmith after loss or theft of the key | yes, up to EUR 500 | „Wir organisieren das Öffnen Ihrer Haus- oder Wohnungstür, wenn Sie nicht in Ihr Zuhause …“ | Ziffer 3.1 Schlüsselnotdienst, page 4 |
| Lock replacement after key loss or attempted break in | not addressed | ||
| Replacement keys | not addressed | ||
| Temporary lock or provisional securing of the door | yes, up to the sum insured | „Die Kosten für ein provisorisches Türschloss übernehmen wir, soweit dies im Rahmen der …“ | Ziffer 3.1 Schlüsselnotdienst, page 4 |
| Emergency boarding of doors and windows after burglary or storm | not addressed | ||
| Guarding the home when it cannot be locked after damage | not addressed |
Building services and emergency trades
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Drain clearance for blocked drains, toilet or main sewer | no | „Wir vermitteln Ihnen eine Rohrreinigungsfirma, wenn deren Einsatz wegen akut …“ | Ziffer 3.2, page 5 |
| Emergency plumber (water escaping, pipe defect) | no | „Wir vermitteln Ihnen einen Sanitär-Installateur, wenn in Ihrem Zuhause aufgrund eines …“ | Ziffer 3.2, page 5 |
| Emergency heating engineer when heating or hot water fails | no | „Wir vermitteln Ihnen einen Heizungs-Installateur, wenn in Ihrem Zuhause die Heizung …“ | Ziffer 3.2, page 5 |
| Emergency electrician for a power failure in the home | yes, up to EUR 500 | „Wir organisieren den Einsatz eines Elektro-Installateurs bei Defekten an Leitungen der …“ | Ziffer 3.1 Notfall-Elektro-Installateur-Service, page 4 |
| Loan appliances (heaters, dehumidifiers) after heating failure or water damage | not addressed | ||
| Leak detection when water damage is suspected | not addressed | ||
| Emergency roofer after storm or hail | not addressed | ||
| Emergency glazier for broken windows and doors | not addressed | ||
| Repair service for large household appliances | not addressed | ||
| Help with computers, internet and home network (phone or on site) | not addressed | ||
| Handyman service without emergency (drilling, assembly, minor repairs) | not addressed |
Pests and animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Pest control by a specialist (rats, mice, cockroaches, bed bugs) | yes, up to EUR 500 | „Wir organisieren einen Dienstleister zur Bekämpfung von Schaben, Bettwanzen, Ratten …“ | Ziffer 3.1 Schädlingsbekämpfung, page 4 |
| Removal or relocation of wasp and hornet nests | yes, up to EUR 500 | „Wir organisieren die fachgerechte Entfernung oder Umsiedlung von Wespen- oder …“ | Ziffer 3.1, page 4 |
| Marten deterrence at the building | not addressed | ||
| Pet care when the insured person is unexpectedly hospitalised | yes, up to EUR 500 | „Wir organisieren die Unterbringung und Versorgung von Haustieren aus Ihrem Zuhause in …“ | Ziffer 3.1 Unterbringung von Haustieren im Notfall, page 4 |
Accommodation and follow up services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hotel accommodation when the home is uninhabitable after damage | not addressed | ||
| Return journey from holiday after major damage at home | not addressed | ||
| Childcare when the carer is in hospital | yes, up to EUR 500 | „Wir organisieren im Notfall die Betreuung von minderjährigen Kindern, die in Ihrem …“ | Ziffer 3.1 Betreuung von Kindern im Notfall, page 5 |
| Home help after a hospital stay | not addressed | ||
| Transport and storage of contents when the home is uninhabitable | not addressed | ||
| Cleaning of the home after damage | not addressed | ||
| Looking after the home (plants, post) during hospital absence | not addressed | ||
| Referral of tradespeople even without cost cover | yes | „Für die folgenden Leistungen vermitteln wir Ihnen im Notfall einen qualifizierten …“ | Ziffer 3.2, page 5 |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of defects existing before inception | yes | „Ausgeschlossen sind Schäden, die vor Vertragsbeginn eingetreten sind.“ | Ziffer 4, page 6 |
| Exclusion of wear, lack of maintenance and repair of the installation itself | yes | „Immer ausgeschlossen sind Leistungen für Instandhaltung und Wartung.“ | Ziffer 4, page 6 |
| Exclusion where the landlord or property manager is responsible | not addressed | ||
| Exclusion of common parts and pipes outside the home | yes | „Leistungen an Installationen, die zum Gemeinschaftseigentum einer …“ | Ziffer 4, page 6 |
| Benefit only secondary if no other contract pays (subsidiarity) | not addressed | ||
| Exclusion for war, strikes, natural catastrophes or official orders | yes | „Schäden durch - ohne Rücksicht auf mitwirkende Ursachen - Krieg, kriegsähnliche …“ | Ziffer 4, page 6 |
| Exclusion of rooms used for business | not addressed | ||
| Exclusion or restriction when the home is vacant or unoccupied for long | not addressed | ||
| Benefits only for homes in the home country | yes | „Voraussetzung für den Versicherungsschutz ist, dass Ihre Wohnung oder Ihr Haus in …“ | Ziffer 2, page 4 |
Contract and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Waiting period after inception | not addressed | ||
| Deductible per call out | not addressed | ||
| Obligation to call the hotline before hiring anyone | yes | „Informieren Sie uns unverzüglich über den Schadenfall. Dies gilt auch, wenn Sie die …“ | Ziffer 6.1, page 6 |
| Obligation to submit original invoices with details of work | yes | „Sie müssen uns jede zur Feststellung des Versicherungsfalles oder des Umfanges der …“ | Ziffer 6.1, page 6 |
| Ends automatically with the contents or buildings policy | not addressed | ||
| Add-on can be cancelled separately without the main policy | not addressed | ||
| Insurer may cancel after a claim | yes | „Nach dem Eintritt des Versicherungsfalls kann jede Vertragspartei das …“ | Ziffer 9.4.1, page 8 |
| Minimum term of the contract or add-on | not addressed | ||
| Limits are adjusted (indexation) | not addressed |
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- ADAC Versicherung AG
- Distribution
- direct from the insurer only
- Vertragsdokumente ADAC Zuhause Schutzbrief Exklusiv Edition: ADAC Zuhause-Schutzbrief Exklusiv 03/2026 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 ADAC Zuhause Schutzbrief Exklusiv and available as plain text.
Volltext ADAC Zuhause Schutzbrief Exklusiv Wohnungsschutzbrief · As text (Markdown) ADAC Zuhause Schutzbrief Exklusiv Home emergency cover