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ROLAND HomeSecure: the policy wording in full
Eigenständiger Schutzbrief nur für Einbruch und Einbruchversuch in die Wohnung: Notsicherung oder Bewachung, Hotel, Tierbetreuung, Reinigung, Reiseabbruch und psychologische Erstberatung mit festen Grenzen je Leistung, Wartezeit ein Monat.
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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 ROLAND HomeSecure.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Available as a standalone contract without contents or buildings cover with the same insurer | yes | „Der Vertrag ist für die Dauer von einem Jahr geschlossen.“ | I § 9 Nr. 1, page 10 |
| 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 | „Versicherungsschutz besteht für Ihre im Versicherungsschein genannte, selbstgenutzte …“ | I § 2 Nr. 3, page 8 |
| 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 | „Versicherungs-/Beistandsleistungen dieses Schutzbriefs gemäß § 3 stehen Ihnen sowie den …“ | I § 2 Nr. 2, page 8 |
| Maximum benefit per call out or claim | not addressed | ||
| 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 | „Unsere Mitarbeiter sind rund um die Uhr für Sie da.“ | I § 1 Nr. 1, page 8 |
| 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) | not addressed | ||
| Locksmith after loss or theft of the key | not addressed | ||
| 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 | „Wir übernehmen die Kosten bis 500 Euro je Versicherungsfall.“ | I § 3 Nr. 1.3, page 8 |
| Emergency boarding of doors and windows after burglary or storm | yes, up to EUR 500 | „Wir organisieren nach einem versuchten oder vollendeten Einbruch in das versicherte …“ | I § 3 Nr. 1.1, page 8 |
| Guarding the home when it cannot be locked after damage | yes, up to EUR 500 | „Sollte die provisorische Absicherung des Zugangswegs nicht erbracht werden können …“ | I § 3 Nr. 1.2, page 8 |
Building services and emergency trades
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Drain clearance for blocked drains, toilet or main sewer | not addressed | ||
| Emergency plumber (water escaping, pipe defect) | not addressed | ||
| Emergency heating engineer when heating or hot water fails | not addressed | ||
| Emergency electrician for a power failure in the home | not addressed | ||
| 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) | not addressed | ||
| Removal or relocation of wasp and hornet nests | not addressed | ||
| Marten deterrence at the building | not addressed | ||
| Pet care when the insured person is unexpectedly hospitalised | yes, up to the sum insured | „Wir übernehmen die Kosten je Versicherungsfall bis zur Dauer von maximal fünf Nächten …“ | I § 3 Nr. 3.2, page 8 |
Accommodation and follow up services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hotel accommodation when the home is uninhabitable after damage | yes, up to the sum insured | „Wir übernehmen die Kosten je Versicherungsfall für die Dauer von maximal drei Nächten …“ | I § 3 Nr. 2.2, page 8 |
| Return journey from holiday after major damage at home | yes, up to EUR 1,500 | „Wir übernehmen die zusätzlich anfallenden Fahrtkosten (Bahnfahrt, Flug der ursprünglich …“ | I § 3 Nr. 5, page 8 |
| 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 | yes, up to EUR 2,000 | „Wir übernehmen die Kosten bis zu 2.000 Euro je Versicherungsfall.“ | I § 3 Nr. 4.2, page 8 |
| 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 | „Wir erbringen keine Leistungen nach § 3 für solche Ereignisse, die bereits vor Beginn …“ | I § 6, page 9 |
| 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) | yes | „Soweit im Schadenfall ein Dritter Ihnen gegenüber zur Hilfe verpflichtet ist oder …“ | I § 8 Nr. 1, page 10 |
| Exclusion for war, strikes, natural catastrophes or official orders | not addressed | ||
| Exclusion of rooms used for business | yes | „selbstgenutzte private Wohnung bzw. Wohneinheit“ | I § 2 Nr. 3, page 8 |
| Exclusion or restriction when the home is vacant or unoccupied for long | not addressed | ||
| Benefits only for homes in the home country | yes | „Versicherungsschutz besteht für Schadenfälle in Deutschland, sofern in den Leistungen …“ | I § 4, page 9 |
Contract and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Waiting period after inception | yes | „Des Weiteren besteht kein Versicherungsschutz für Schadenfälle, die innerhalb des …“ | I § 6, page 9 |
| Deductible per call out | not addressed | ||
| Obligation to call the hotline before hiring anyone | yes | „Daher ist Voraussetzung für den versicherten Anspruch auf die Leistungen nach § 3, dass …“ | I § 1 Nr. 1, page 8 |
| Obligation to submit original invoices with details of work | yes | „sowie Originalbelege zum Nachweis der Schadenhöhe vorlegen,“ | I § 7, page 10 |
| 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 Eintritt eines Schadenfalls können sowohl Sie als auch wir den Vertrag in Textform …“ | II § 5 Nr. 1, page 13 |
| 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
- ROLAND Schutzbrief-Versicherung AG
- Distribution
- brokers and direct
- Verbraucherinformationen und Allgemeine Schutzbriefbedingungen für den ROLAND HomeSecure (ASB 2016) Edition: ASB 2016, Stand 07.2026 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 ROLAND HomeSecure and available as plain text.
Volltext ROLAND HomeSecure Wohnungsschutzbrief · As text (Markdown) ROLAND HomeSecure Home emergency cover