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SV SparkassenVersicherung SV Schutzbrief SorglosWohnen: the policy wording in full
Schutzbrief SorglosWohnen laut Leistungsübersicht: Notdienste mit Kostenübernahme bis 500 Euro je Versicherungsfall und 1.500 Euro je Versicherungsjahr, Anfahrt und zwei Stunden Arbeitszeit, dazu Handwerker- und Hotelvermittlung ohne Kostenübernahme.
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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 SV SparkassenVersicherung SV
Schutzbrief SorglosWohnen.
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 | 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 | „Maximale Entschädigung je Versicherungsfall 500 EUR.“ | Fußnote 1, page 1 |
| Maximum benefit per policy year (all call outs together) | yes, up to EUR 1,500 | „Kostenübernahme bis max. 1.500 EUR je Versicherungsjahr.“ | Fußnote 1, page 1 |
| Number of call outs per year capped | not addressed | ||
| Emergency hotline available around the clock every day | yes | „24 h Handwerker-Service:“ | Organisation ohne Kostenübernahme, page 1 |
| 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 | yes, up to EUR 25 | „Kostenübernahme für gesondert berechnete Kleinteile und Verbrauchsmaterialien bis max …“ | Fußnote 1, page 1 |
| Labour time per call out capped (hours) | yes | „Kostenübernahme für An- und Rückfahrt des Fachunternehmens und 2 Stunden Arbeitszeit …“ | Fußnote 1, page 1 |
Keys and security
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Locksmith when locked out (door closed, key inside) | yes, up to EUR 500 | „Türöffnungsservice/Schlüsseldienst 1) • Öffnen der Haus-/Wohnungstür; provisorisches …“ | Organisation mit Kostenübernahme, page 1 |
| Locksmith after loss or theft of the key | yes, up to EUR 500 | „Türöffnungsservice/Schlüsseldienst 1) • Öffnen der Haus-/Wohnungstür; provisorisches …“ | Organisation mit Kostenübernahme, page 1 |
| 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 | „Öffnen der Haus-/Wohnungstür; provisorisches Schloss“ | Organisation mit Kostenübernahme, page 1 |
| Emergency boarding of doors and windows after burglary or storm | not addressed | ||
| Guarding the home when it cannot be locked after damage | no | „Objektüberwachung durch Wach- und Sicherheitsdienste“ | Organisation ohne Kostenübernahme, page 1 |
Building services and emergency trades
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Drain clearance for blocked drains, toilet or main sewer | yes, up to EUR 500 | „Rohrreinigungsservice 1) • Verstopfung von Bade-, Duschwannen, Wasch-, Spülbecken, WCs …“ | Organisation mit Kostenübernahme, page 1 |
| Emergency plumber (water escaping, pipe defect) | yes, up to EUR 500 | „Sanitär-Installateurservice 1) • Kalt- oder Warmwasserversorgung unterbrochen oder …“ | Organisation mit Kostenübernahme, page 1 |
| Emergency heating engineer when heating or hot water fails | yes, up to EUR 500 | „defekte Heizung, Reparatur/Austausch von Heizkörpern (Heizkörper selbst ohne …“ | Organisation mit Kostenübernahme, page 1 |
| Emergency electrician for a power failure in the home | yes, up to EUR 500 | „Elektro-Installateurservice (Stromausfall) 1) • Defekte an der Elektroinstallation“ | Organisation mit Kostenübernahme, page 1 |
| Loan appliances (heaters, dehumidifiers) after heating failure or water damage | yes, up to EUR 500 | „Notheizung/Leihgeräte 1) • bis zu 3 Leih-Heizgeräte“ | Organisation mit Kostenübernahme, page 1 |
| Leak detection when water damage is suspected | not addressed | ||
| Emergency roofer after storm or hail | no | „24 h Handwerker-Service: Dachdecker, Tischler/Schreiner, Glaser“ | Organisation ohne Kostenübernahme, page 1 |
| Emergency glazier for broken windows and doors | no | „24 h Handwerker-Service: Dachdecker, Tischler/Schreiner, Glaser“ | Organisation ohne Kostenübernahme, page 1 |
| 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) | no | „Handwerker-Service, Ausbau aus einer Hand: Wir stellen innerhalb 48 h den Kontakt zu …“ | Organisation ohne Kostenübernahme, page 1 |
Pests and animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Pest control by a specialist (rats, mice, cockroaches, bed bugs) | yes, up to EUR 500 | „Schädlingsbekämpfung 1) • Schaben (z. B. Kakerlaken), Ratten, Mäuse, Motten, Ameisen …“ | Organisation mit Kostenübernahme, page 1 |
| Removal or relocation of wasp and hornet nests | yes, up to EUR 500 | „Entfernung von Wespen-, Hornissen- und Bienennestern 1) • in Haus, Wohnung und Garten“ | Organisation mit Kostenübernahme, page 1 |
| Marten deterrence at the building | not addressed | ||
| Pet care when the insured person is unexpectedly hospitalised | yes, up to EUR 500 | „Unterbringung von Haustieren im Notfall 1) • Hunde, Katzen, Vögel, Hamster …“ | Organisation mit Kostenübernahme, page 1 |
Accommodation and follow up services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hotel accommodation when the home is uninhabitable after damage | no | „Hotelreservierungsservice: Übernachtungsmöglichkeiten (versichertes Objekt ist aufgrund …“ | Organisation ohne Kostenübernahme, page 1 |
| Return journey from holiday after major damage at home | no | „Rückreise vom Urlaubsort (Hausrat oder Wohngebäude des Versicherungsnehmers wurde …“ | Organisation ohne Kostenübernahme, page 1 |
| Childcare when the carer is in hospital | yes, up to EUR 500 | „Betreuung von Angehörigen und Kindern (bis 16 Jahre) im Notfall 1)“ | Organisation mit Kostenübernahme, page 1 |
| 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 | „Organisation ohne Kostenübernahme ... Leistungsfall nicht vorausgesetzt“ | Organisation ohne Kostenübernahme, page 1 |
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 | 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 | not addressed |
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 | not addressed | ||
| 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 | not addressed | ||
| 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
- SV SparkassenVersicherung Gebäudeversicherung Aktiengesellschaft
- Distribution
- through tied agents
- Leistungsübersicht Schutzbrief SorglosWohnen Edition: 3453-04201/0921 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 SV SparkassenVersicherung SV Schutzbrief SorglosWohnen and
available as plain text.
Volltext SV SparkassenVersicherung SV Schutzbrief SorglosWohnen Wohnungsschutzbrief · As text (Markdown) SV SparkassenVersicherung SV Schutzbrief SorglosWohnen Home emergency cover