Insurance broker / Home emergency cover / Policy wording archive Home emergency cover
BarmeniaGothaer Barmenia Haus- und: the policy wording in full
Eigenständiger Haus- und Wohnungsschutzbrief mit Notfall-Telefon, Kostenübernahme bis 500 Euro je Versicherungsfall und 1.500 Euro je Versicherungsjahr für Schlüsseldienst, Rohrreinigung, Sanitär, Elektro, Heizung, Notheizung, Schädlinge, Wespen, Tiere und Hotel, dazu Kinderbetreuung und Dokumentendepot.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,048 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with BarmeniaGothaer.
- AI has advised
- 2Your details
- Application to BarmeniaGothaer
Thank you, we have your application.
We prepare it with BarmeniaGothaer and get back to you with the documents.
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 BarmeniaGothaer Barmenia Haus- und.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Available as a standalone contract without contents or buildings cover with the same insurer | yes | „Allgemeine Versicherungsbedingungen für den Barmenia-Haus- und Wohnungsschutzbrief“ | Titel, 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 | „Der Versicherungsschutz gilt für die im Versicherungsschein bezeichnete Wohnung“ | § 4 Nr. 1, page 1 |
| 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 | „Versicherte Personen sind der Versicherungsnehmer sowie die Personen, die mit ihm in …“ | § 2 Nr. 2, page 2 |
| Maximum benefit per call out or claim | yes, up to EUR 500 | „Der Versicherer übernimmt die Kosten für die Behebung des Defekts einschließlich …“ | § 7 Nr. 2, page 1 |
| Maximum benefit per policy year (all call outs together) | yes, up to EUR 1,500 | „Die Übernahme von Kosten durch den Versicherer gemäß §§ 5 bis 13 und § 15 ist begrenzt …“ | § 3 Nr. 1, page 2 |
| Number of call outs per year capped | not addressed | ||
| Emergency hotline available around the clock every day | yes | „Das Barmenia Notfall-Telefon steht hierfür an allen Tagen des Jahres rund um die Uhr …“ | § 1 Nr. 1, page 2 |
| Costs reimbursed when the customer hires a tradesperson directly (without the hotline) | no | „Ruft die versicherte Person nicht das Barmenia Notfall-Telefon an, so ist der …“ | § 1 Nr. 2, page 2 |
| Material and spare parts covered, not only call out and labour | yes, up to the sum insured | „Der Versicherer übernimmt die Kosten für die Behebung der Rohrverstopfung …“ | § 6 Nr. 2, page 2 |
| 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 | „oder weil sich die versicherte Person versehentlich ausgesperrt hat.“ | § 5 Nr. 1, page 2 |
| Locksmith after loss or theft of the key | yes, up to EUR 500 | „wenn die versicherte Person nicht in die versicherte Wohnung gelangen kann, weil der …“ | § 5 Nr. 1, page 2 |
| 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 EUR 500 | „sowie die Kosten für ein provisorisches Schloss, wenn das Türschloss durch das Öffnen …“ | § 5 Nr. 2, page 2 |
| 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 | „Der Versicherer organisiert den Einsatz einer Rohrreinigungsfirma, wenn in der …“ | § 6 Nr. 1, page 2 |
| Emergency plumber (water escaping, pipe defect) | yes, up to EUR 500 | „auf Grund eines Defekts an einer Armatur, an einem Boiler, WC oder Urinal (inklusive …“ | § 7 Nr. 1, page 2 |
| Emergency heating engineer when heating or hot water fails | yes, up to EUR 500 | „Der Versicherer organisiert den Einsatz eines Heizungs-Installateurbetriebes, wenn“ | § 9 Nr. 1, page 2 |
| Emergency electrician for a power failure in the home | yes, up to EUR 500 | „Bei Defekten an der Elektro-Installation der versicherten Wohnung organisiert der …“ | § 8 Nr. 1, page 2 |
| Loan appliances (heaters, dehumidifiers) after heating failure or water damage | yes, up to EUR 500 | „Der Versicherer stellt maximal drei elektrische Leih-Heizgeräte zur Verfügung, wenn …“ | § 10 Nr. 1, page 2 |
| 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 | „Der Versicherer übernimmt die Kosten für die Schädlingsbekämpfung, maximal 500,00 EUR …“ | § 11 Nr. 2, page 1 |
| Removal or relocation of wasp and hornet nests | yes, up to EUR 500 | „Der Versicherer übernimmt die Kosten für die Entfernung bzw. Umsiedlung des Wespen …“ | § 12 Nr. 2, page 3 |
| Marten deterrence at the building | not addressed | ||
| Pet care when the insured person is unexpectedly hospitalised | yes, up to EUR 500 | „Der Versicherer übernimmt die Kosten für die Unterbringung und Versorgung der Tiere …“ | § 13 Nr. 2, page 3 |
Accommodation and follow up services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hotel accommodation when the home is uninhabitable after damage | yes, up to EUR 500 | „Der Versicherer übernimmt die Kosten für die Hotelunterbringung, maximal 500 EUR je …“ | § 15 Nr. 3, page 2 |
| Return journey from holiday after major damage at home | not addressed | ||
| Childcare when the carer is in hospital | yes, up to the sum insured | „Die Betreuung erfolgt nach Möglichkeit in der versicherten Wohnung, und zwar so lange …“ | § 14 Nr. 2, page 3 |
| 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 | yes | „Der Versicherer erbringt keine Leistungen für die Beseitigung von Schäden bzw. die …“ | § 3 Nr. 3, page 2 |
| Exclusion of wear, lack of maintenance and repair of the installation itself | yes | „für die ordentliche Instandhaltung bzw. Wartung der Sanitär-Installation in der …“ | § 7 Nr. 3 b, page 2 |
| 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 | not addressed | ||
| 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 | „Zieht der Versicherungsnehmer um, geht der Versicherungsschutz auf die neue Wohnung …“ | § 4 Nr. 2, page 2 |
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 | „Voraussetzung für die Erbringung der Beistandsleistungen des Versicherers ist, dass …“ | § 1 Nr. 1, page 2 |
| Obligation to submit original invoices with details of work | not addressed | ||
| 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 eines Versicherungsfalls kann jede der Vertragsparteien den …“ | § 24 Nr. 1, page 5 |
| Minimum term of the contract or add-on | not addressed | ||
| Limits are adjusted (indexation) | 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Barmenia Gothaer (Marke nach Fusion), Barmenia Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Allgemeine Versicherungsbedingungen für den Barmenia-Haus- und Wohnungsschutzbrief (A 3138) Edition: A 3138-06 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 Haus- und and available as plain
text.
Volltext BarmeniaGothaer Barmenia Haus- und Wohnungsschutzbrief · As text (Markdown) BarmeniaGothaer Barmenia Haus- und Home emergency cover