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HUK24 Basis: the policy wording in full
HUK24 Wohngebäudeversicherung nach VGB 2026 in der Linie Basis ohne Versicherungssumme zum Neubauwert; Nichtnutzung über sechs Monate kann Gefahrerhöhung sein, Kontroll-, Heiz- und Entleerungspflichten gelten.
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Everything about this policy
What the policy covers: 59 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for HUK24 Basis.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „Der Versicherungswert ergibt sich aus den ortsüblichen Wiederherstellungskosten Ihres …“ | A 1.1.1, page 23 |
| Vacant building expressly insurable (own policy or vacancy clause) | not addressed | ||
| From when the building counts as vacant or unoccupied (number of days or months) | yes | „Ein versichertes Gebäude wird länger als sechs Monate nicht genutzt.“ | B 3.1.1 b., page 27 |
| Maximum covered vacancy period | not addressed | ||
| Reasons expressly named (inheritance, sale, renovation, care home, change of tenant) | not addressed | ||
| Partial vacancy (individual flats or parts of the building) addressed | yes | „Kontrollieren Sie nicht genutzte Gebäude und Gebäudeteile genügend häufig.“ | B 3.2.1 b., page 28 |
| Vacancy during conversion or renovation covered | yes | „An einem versicherten Gebäude werden Baumaßnahmen durchgeführt, die ein Notdach erfordern.“ | B 3.1.1 b., page 27 |
| Uninhabitable or dilapidated buildings excluded | not addressed |
Perils covered while vacant
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion, implosion) while vacant | yes, up to the sum insured | „Brand ist ein Feuer mit folgenden Eigenschaften“ | A 2.2.1, page 13 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „Leitungswasser ist Wasser, das aus einer der folgenden Einrichtungen bestimmungswidrig …“ | A 2.3.1, page 14 |
| Frost damage to pipes and heating while vacant | yes, up to the sum insured | „Rohrbruch- und Frostschäden a. Innerhalb der versicherten Gebäude sind versichert: aa …“ | A 2.3.2, page 14 |
| Storm and hail while vacant | yes, up to the sum insured | „Sturm ist eine wetterbedingte Luftbewegung von mindestens Windstärke 7.“ | A 2.4.1, page 15 |
| Other natural hazards while vacant | yes, up to the sum insured | „Gegen die weiteren Naturgefahren (Elementargefahren) haben Sie den „Elementarschutz …“ | Kundeninformation, page 2 |
| Vandalism and malicious damage while vacant | not addressed | ||
| Burglary damage to the building (doors, windows, locks) while vacant | not addressed | ||
| Theft of fixed building parts (copper, boiler, fittings) | not addressed | ||
| Glass breakage while vacant | not addressed | ||
| Squatting, damage by unauthorised occupants and eviction costs | not addressed |
Restrictions and reductions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover excluded or suspended during vacancy | not addressed | ||
| Only limited perils while vacant (for example only fire, storm, hail) | not addressed | ||
| Indemnity limit or reduction while vacant | not addressed | ||
| Special deductible while vacant | not addressed | ||
| Premium surcharge or adjustment for vacancy addressed | none | „Ab dem Zeitpunkt der Gefahrerhöhung können wir einen erhöhten Beitrag verlangen.“ | B 3.1.3 b., page 28 |
| Waiver of reduction for gross negligence | yes, up to the sum insured | „Führen Sie den Schaden grob fahrlässig herbei, verzichten wir auf die gesetzlich …“ | A 1.2.3, page 12 |
| Contents, valuables or cash excluded in the unoccupied building | not addressed |
Owner's obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Vacancy must be notified (increase in risk), deadline | none | „Dann müssen Sie uns diese unverzüglich anzeigen, nachdem Sie von ihr Kenntnis erlangt …“ | B 3.1.2 c., page 27 |
| Regular inspections required (interval in days or weeks) | none | „Kontrollieren Sie nicht genutzte Gebäude und Gebäudeteile genügend häufig. Das gilt …“ | B 3.2.1 b., page 28 |
| Proof or log of inspections required | not addressed | ||
| Shut off and drain water pipes | none | „Außerdem müssen Sie dort alle wasserführenden Anlagen und Einrichtungen absperren …“ | B 3.2.1 b., page 28 |
| Heat during the cold season or drain the heating system | none | „Beheizen Sie alle Gebäude und Gebäudeteile in der kalten Jahreszeit und kontrollieren …“ | B 3.2.1 a., page 28 |
| Keep the building locked and secured (doors, windows, access) | not addressed | ||
| Remove combustible waste and objects | not addressed | ||
| Switch off electricity or gas (except for heating and alarm) | not addressed | ||
| Duty of care (snow clearing, gritting, trees, roof) still to be met | not addressed | ||
| Consequences of a breach of obligations (reduction by fault, causality) | yes | „Verletzen Sie eine der Obliegenheiten nach B 3.2.1 vorsätzlich oder grob fahrlässig …“ | B 3.2.2, page 28 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to the sum insured | „Wir ersetzen Kosten, um versicherte Sachen aufzuräumen und abzubrechen.“ | A 3.1.1, page 17 |
| Costs of emergency securing (boarding, temporary glazing, guarding) | yes, up to the sum insured | „Wir ersetzen Kosten, um versicherte Sachen provisorisch zu reparieren. Das setzt …“ | A 3.1.4, page 17 |
| Leak detection and excavation costs | yes, up to the sum insured | „Dann ersetzen wir die Kosten einer Leckageortung auch, wenn sich ein nach dem …“ | A 3.2.11, page 18 |
| Extra costs for lost water and frost protection | yes, up to the sum insured | „Mehrverbrauch von Wasser oder Brennstoffen sowie Verlust von Brennstoffen“ | A 3.2.12, page 7 |
| Loss of rent or use after a loss | not addressed | ||
| Graffiti on external walls | not addressed | ||
| Damage by animals or pests (martens, rodents) | not addressed | ||
| Cover until transfer of ownership on sale, transfer to the buyer | yes | „Veräußern Sie die versicherte Sache, tritt der Erwerber an Ihre Stelle in die Rechte …“ | B 4.1.3 a., page 29 |
Owner's liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability as property owner for the vacant building included | not addressed | ||
| Sum insured of owner's liability | not addressed | ||
| Liability limited in time or excluded during vacancy | not addressed | ||
| Water pollution and sewage damage (oil tank, sewage) in the liability part | not addressed | ||
| Defence against unjustified claims and legal costs | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General deductible | none | „Ist eine Selbstbeteiligung vereinbart? Dann kürzen wir bei jedem Versicherungsfall die …“ | A 1.2.5 a., page 12 |
| Minimum term | not addressed | ||
| Short term policy or monthly cancellation for the vacancy period | not addressed | ||
| Return to the normal policy on reoccupation | not addressed | ||
| Insurer's right to cancel because of vacancy | none | „Haben Sie Ihre Verpflichtung nach B 3.1.2 a. vorsätzlich oder grob fahrlässig verletzt …“ | B 3.1.3 a., page 27 |
| Waiver of underinsurance | yes | „Das hat für Sie den Vorteil, dass unsere Leistung im Schadenfall nicht durch eine …“ | A 1.1.1, page 23 |
| Transfer of the policy to heirs or a new owner | not addressed |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Extraordinary risks via the Consorcio de Compensación de Seguros | not addressed | ||
| Distinction between main residence, second home and vacant home | not addressed | ||
| Threshold in days after which the home counts as deshabitada (consecutive or in total) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- HUK24 AG
- Distribution
- direct from the insurer only
- Allgemeine Versicherungsbedingungen für die Wohngebäudeversicherung (VGB 2026) mit Kundeninformation Edition: VGB 2026, Stand 01.05.2026 (HUSB626) 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 HUK24 Basis and available as plain text.
Volltext HUK24 Basis Leerstandsversicherung · As text (Markdown) HUK24 Basis Vacant property cover