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Interlloyd HWSB-Baustein Gebäudepolice: the policy wording in full
Haus- und Wohnungs-Schutzbrief als wählbarer Baustein (Teil F) zur Interlloyd-Wohngebäudeversicherung, Notdienste und Betreuung über das Service-Telefon, je Schadenereignis bis 500 Euro und je Versicherungsjahr bis 1.500 Euro.
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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 Interlloyd HWSB-Baustein
Gebäudepolice.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Available as a standalone contract without contents or buildings cover with the same insurer | not addressed | ||
| Available as an add-on to contents insurance | not addressed | ||
| Available as an add-on to buildings insurance | yes | „Sofern im Versicherungsvertrag vereinbart und im Versicherungsschein genannt“ | Teil F, page 138 |
| 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 | yes | „Alle Leistungen dieses Schutzbriefs stehen dem Versicherungsnehmer und den Personen …“ | F2, page 138 |
| Maximum benefit per call out or claim | yes, up to EUR 500 | „übernimmt der Versicherer jeweils Kosten von höchstens 500 Euro pro Schadenereignis.“ | F3, page 138 |
| Maximum benefit per policy year (all call outs together) | yes, up to EUR 1,500 | „Der Ersatz von Kosten ist in diesen Fällen auf 1.500 Euro für alle Schadenereignisse …“ | F3, page 137 |
| Number of call outs per year capped | not addressed | ||
| Emergency hotline available around the clock every day | yes | „Das Notruf-Telefon ist hierfür unter der Rufnummer 0211/9890 1468 an allen Tagen des …“ | F1-2, page 138 |
| Costs reimbursed when the customer hires a tradesperson directly (without the hotline) | no | „Voraussetzung für die Erbringung der Serviceleistungen und den Kostenersatz ist, dass …“ | F1-2, page 138 |
| 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 | „Diese Leistungen übernimmt der Versicherer auch, wenn der Versicherungsnehmer ohne …“ | F4, page 139 |
| Locksmith after loss or theft of the key | yes, up to EUR 500 | „Gelangt der Versicherungsnehmer nicht in die versicherte Wohnung (siehe B10), weil der …“ | F4, page 139 |
| 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 bis 500 Euro für ein provisorisches Schloss, wenn das Türschloss durch …“ | F4, page 139 |
| 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 | „organisiert der Versicherer den Einsatz einer Rohrreinigungsfirma und übernimmt die …“ | F5-1, page 139 |
| Emergency plumber (water escaping, pipe defect) | yes, up to EUR 500 | „Der Versicherer übernimmt die Kosten bis 500 Euro für die Behebung des Defektes.“ | F6-1, page 139 |
| Emergency heating engineer when heating or hot water fails | yes, up to EUR 500 | „Der Versicherer organisiert den Einsatz eines Heizungs-Installationsbetriebes und …“ | F8-1, page 139 |
| Emergency electrician for a power failure in the home | yes, up to EUR 500 | „organisiert der Versicherer den Einsatz eines Elektro-Installationsbetriebes und …“ | F7-1, page 139 |
| Loan appliances (heaters, dehumidifiers) after heating failure or water damage | yes, up to EUR 500 | „so stellt der Versicherer dem Versicherungsnehmer bis zu 3 elektrische Leih-Heizgeräte …“ | F9, page 140 |
| 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 | „Schädlinge sind Schaben (z.B. Kakerlaken), Ratten, Mäuse, Motten, Ameisen und …“ | F10-1, page 141 |
| Removal or relocation of wasp and hornet nests | yes, up to EUR 500 | „organisiert der Versicherer dessen fachgerechte Entfernung und Umsiedlung und übernimmt …“ | F11-1, page 141 |
| Marten deterrence at the building | not addressed | ||
| Pet care when the insured person is unexpectedly hospitalised | yes, up to EUR 500 | „Der Versicherer organisiert innerhalb der Bundesrepublik Deutschland die Unterbringung …“ | F12-1, page 140 |
Accommodation and follow up services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hotel accommodation when the home is uninhabitable after damage | no | „Die Kosten für die Ersatzwohnung werden nicht übernommen.“ | F14-1, page 59 |
| Return journey from holiday after major damage at home | not addressed | ||
| Childcare when the carer is in hospital | yes, up to EUR 500 | „längstens jedoch für die Dauer von 48 Stunden. Der Versicherer übernimmt die hierdurch …“ | F13-2, page 141 |
| 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 | „die Rohrverstopfung bereits vor Versicherungsbeginn vorhanden war oder“ | F5-2.1, page 139 |
| Exclusion of wear, lack of maintenance and repair of the installation itself | yes | „für die ordentliche Instandhaltung bzw. Wartung der Sanitärinstallation in der …“ | F6-2.3, page 139 |
| Exclusion where the landlord or property manager is responsible | not addressed | ||
| Exclusion of common parts and pipes outside the home | yes | „die Ursache der Rohrverstopfung für den Versicherungsnehmer erkennbar außerhalb seiner …“ | F5-2.2, page 139 |
| 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 | „Der Versicherer organisiert innerhalb der Bundesrepublik Deutschland die Unterbringung“ | F12-1, page 141 |
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 | „dem Versicherer das Schadenereignis über das Interlloyd-Service-Telefon meldet und dem …“ | F1-2, page 138 |
| 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 Versicherungsfalles können Sie oder wir den …“ | A2-2, page 20 |
| 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.
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Policy wordings and provider
- Legal entity
- Interlloyd Versicherungs-Aktiengesellschaft
- Distribution
- available through brokers
- Interlloyd Wohngebäude Versicherungsbedingungen (IL 118, AVB 2025 Gebäude und Schutzbrief) Edition: AVB 2025, Teil F Stand 01.2021 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 Interlloyd HWSB-Baustein Gebäudepolice and available as plain
text.
Volltext Interlloyd HWSB-Baustein Gebäudepolice Wohnungsschutzbrief · As text (Markdown) Interlloyd HWSB-Baustein Gebäudepolice Home emergency cover