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Allianz Direct Direct Plus mit Haus- und: the policy wording in full
Haus- und Wohnungsschutzbrief als fester Teil der Hausrat-Produktlinie Direct Plus: Schlüsseldienst, Rohrreinigung, Sanitär, Elektro, Schädlinge und Wespennester über das Dienstleisternetz bis 500 Euro je Versicherungsfall.
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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 Allianz Direct Direct Plus mit
Haus- und.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Available as a standalone contract without contents or buildings cover with the same insurer | no | „Der „Haus- und Wohnungsschutzbrief” ist Teil der Produktlinie Direct Plus.“ | Teil A.2 Ziffer 3, page 11 |
| Available as an add-on to contents insurance | yes | „Der „Haus- und Wohnungsschutzbrief” ist Teil der Produktlinie Direct Plus.“ | Teil A.2 Ziffer 3, page 11 |
| Available as an add-on to buildings insurance | not addressed | ||
| Insured location: the flat or single family house named in the policy | not addressed | ||
| 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 | not addressed | ||
| Maximum benefit per call out or claim | yes, up to EUR 500 | „Wir beauftragen für dich einen Dienstleister aus unserem Dienstleisternetz und zahlen …“ | Teil A.2 Ziffer 3, page 11 |
| Maximum benefit per policy year (all call outs together) | not addressed | ||
| Number of call outs per year capped | not addressed | ||
| Emergency hotline available around the clock every day | yes | „Dieser Service steht dir an allen Tagen des Jahres rund um die Uhr zur Verfügung.“ | Teil A.2 Ziffer 3, page 11 |
| 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 | not addressed | ||
| 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 | „Wenn erforderlich, bezahlen wir das Öffnen deiner Haus- oder Wohnungstür durch einen …“ | Teil A.2 Ziffer 3, page 11 |
| Locksmith after loss or theft of the key | yes, up to EUR 500 | „Wenn erforderlich, bezahlen wir das Öffnen deiner Haus- oder Wohnungstür durch einen …“ | Teil A.2 Ziffer 3, page 11 |
| Lock replacement after key loss or attempted break in | not addressed | ||
| Replacement keys | not addressed | ||
| Temporary lock or provisional securing of the door | not addressed | ||
| 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 | yes, up to EUR 500 | „Wenn Abflussrohre in deiner Wohnung verstopft sind, bezahlen wir eine Rohrreinigungsfirma.“ | Teil A.2 Ziffer 3, page 11 |
| Emergency plumber (water escaping, pipe defect) | yes, up to EUR 500 | „Wenn du das Wasser in deiner Wohnung nicht mehr abstellen kannst oder die …“ | Teil A.2 Ziffer 3, page 10 |
| Emergency heating engineer when heating or hot water fails | not addressed | ||
| Emergency electrician for a power failure in the home | yes, up to EUR 500 | „Wenn in deiner Wohnung Leitungen oder Zubehör der Stromversorgung defekt sind, bezahlen …“ | Teil A.2 Ziffer 3, page 11 |
| 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 | „Wenn deine Wohnung von tierischen Schädlingen befallen ist, bezahlen wir die Bekämpfung …“ | Teil A.2 Ziffer 3, page 11 |
| Removal or relocation of wasp and hornet nests | yes, up to EUR 500 | „Wenn sich in oder an deiner Wohnung ein Wespen- oder Hornissennest befindet, bezahlen …“ | Teil A.2 Ziffer 3, page 11 |
| Marten deterrence at the building | not addressed | ||
| Pet care when the insured person is unexpectedly hospitalised | not addressed |
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 | not addressed | ||
| 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 | not addressed |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of defects existing before inception | not addressed | ||
| Exclusion of wear, lack of maintenance and repair of the installation itself | not addressed | ||
| Exclusion where the landlord or property manager is responsible | not addressed | ||
| Exclusion of common parts and pipes outside the home | not addressed | ||
| Benefit only secondary if no other contract pays (subsidiarity) | not addressed | ||
| Exclusion for war, strikes, natural catastrophes or official orders | yes | „Schäden durch Kriegsereignisse, innere Unruhen, Maßnahmen der Staatsgewalt.“ | Teil A.1 Ziffer 4, page 4 |
| 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 | „Du hast auch in der neuen Wohnung Versicherungsschutz. Das gilt nur, wenn die neue …“ | Teil A.1 Ziffer 14, page 7 |
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 | „Bitte rufe uns in diesen Fällen unter der Telefonnummer an, die in deinem …“ | Teil A.2 Ziffer 3, page 11 |
| Obligation to submit original invoices with details of work | not addressed | ||
| Ends automatically with the contents or buildings policy | yes | „Der „Haus- und Wohnungsschutzbrief” ist Teil der Produktlinie Direct Plus.“ | Teil A.2 Ziffer 3, page 11 |
| Add-on can be cancelled separately without the main policy | not addressed | ||
| Insurer may cancel after a claim | yes | „Wir können darüber hinaus auch nach Eintritt eines Versicherungsfalls kündigen“ | Teil B Ziffer 6, page 17 |
| Minimum term of the contract or add-on | not addressed | ||
| Limits are adjusted (indexation) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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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
- Allianz Direct Versicherungs-AG
- Distribution
- direct from the insurer only
- Allgemeine Bedingungen für deine Allianz Direct Hausratversicherung (Teil A.2 Produktlinie Direct Plus inkl. Haus- und Wohnungsschutzbrief) Edition: 11/2026 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 Allianz Direct Direct Plus mit Haus- und and available as
plain text.
Volltext Allianz Direct Direct Plus mit Haus- und Wohnungsschutzbrief · As text (Markdown) Allianz Direct Direct Plus mit Haus- und Home emergency cover