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Mannheimer Top '15: the policy wording in full
Mannheimer Wohngebäudeversicherung Top (VB-Wohngebäude-Top 15) zur gleitenden Neuwertversicherung mit Kosten auf Erstes Risiko und Mietausfall bis 60 Monate; Nichtnutzung ist Gefahrerhöhung mit Kontroll-, Heiz- und Entleerungspflichten.
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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 Mannheimer Top '15.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „Der Gleitende Neuwert ist der ortsübliche Neubauwert des Gebäudes“ | § 13 Nr. 1 a) aa), page 4 |
| 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 Gebäude oder der überwiegende Teil eines Gebäudes nicht genutzt wird“ | § 18 Nr. 2 b), page 6 |
| 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 | „nicht genutzte Gebäude oder Gebäudeteile zu jeder Jahreszeit genügend häufig zu …“ | § 19 Nr. 1 c), page 6 |
| Vacancy during conversion or renovation covered | yes | „an einem Gebäude Baumaßnahmen durchgeführt werden, in deren Verlauf das Dach ganz oder …“ | § 18 Nr. 2 e), page 6 |
| Uninhabitable or dilapidated buildings excluded | none | „Soweit ein Gebäude zum Abbruch bestimmt oder sonst dauerhaft entwertet ist, werden …“ | § 13 Nr. 4, page 7 |
Perils covered while vacant
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion, implosion) while vacant | yes, up to the sum insured | „Luftfahrzeuge (§ 3) b) Leitungswasser (§ 4)“ | § 2 Nr. 1 a), page 1 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „b) Leitungswasser (§ 4)“ | § 2 Nr. 1 b), page 1 |
| Frost damage to pipes and heating while vacant | not addressed | ||
| Storm and hail while vacant | yes, up to the sum insured | „c) Sturm, Hagel (§ 5)“ | § 2 Nr. 1 c), page 1 |
| Other natural hazards while vacant | yes, up to the sum insured | „d) Überschwemmung durch Regen und Rückstau (§ 6)“ | § 2 Nr. 1 d), page 1 |
| Vandalism and malicious damage while vacant | yes, up to the sum insured | „durch Vandalismus gemäß § 2 Nr. 7 Mannheimer AB-Sach“ | § 7 Nr. 2, page 2 |
| Burglary damage to the building (doors, windows, locks) while vacant | yes, up to the sum insured | „Der Versicherer leistet Entschädigung für Beschädigungen an Türen, Schlössern, Fenstern …“ | § 7 Nr. 1, page 2 |
| Theft of fixed building parts (copper, boiler, fittings) | yes, up to the sum insured | „sofern diese mit dem Gebäude fest verbunden sind und durch einfachen Diebstahl abhanden …“ | § 7 Nr. 3, page 2 |
| 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 | not addressed | ||
| Waiver of reduction for gross negligence | not addressed | ||
| 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 | „hat der Versicherungsnehmer die Gefahrerhöhung dem Versicherer unverzüglich anzuzeigen“ | § 18 Nr. 1, page 6 |
| Regular inspections required (interval in days or weeks) | none | „nicht genutzte Gebäude oder Gebäudeteile zu jeder Jahreszeit genügend häufig zu …“ | § 19 Nr. 1 c), page 6 |
| Proof or log of inspections required | not addressed | ||
| Shut off and drain water pipes | none | „dort alle wasserführenden Anlagen und Einrichtungen abzusperren, zu entleeren und …“ | § 19 Nr. 1 c), page 6 |
| Heat during the cold season or drain the heating system | none | „in der kalten Jahreszeit entweder alle Gebäude und Gebäudeteile zu beheizen und dies …“ | § 19 Nr. 1 d), page 6 |
| 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) | not addressed |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to the sum insured | „Kosten für das Aufräumen und den Abbruch versicherter Sachen“ | § 9 Nr. 1, page 3 |
| Costs of emergency securing (boarding, temporary glazing, guarding) | yes, up to the sum insured | „Kosten für provisorische Maßnahmen oder Reparaturen sind Aufwendungen zum Schutz …“ | § 9 Nr. 8, page 3 |
| Leak detection and excavation costs | not addressed | ||
| Extra costs for lost water and frost protection | yes, up to the sum insured | „Kosten für den Mehrverbrauch an Leitungswasser, Wasser aus Zisternen, Öl, Gas“ | § 9 Nr. 12, page 3 |
| Loss of rent or use after a loss | yes, up to the sum insured | „höchstens jedoch für 60 Monate seit dem Eintritt des Versicherungsfalles“ | § 10 Nr. 2, page 4 |
| Graffiti on external walls | yes, up to the sum insured | „Der Versicherer leistet Entschädigung für Beschädigungen durch Graffiti an versicherten …“ | § 7 Nr. 4, page 2 |
| Damage by animals or pests (martens, rodents) | yes, up to the sum insured | „22 Tierbiss an elektrischen Anlagen und Leitungen“ | § 9 Nr. 22, page 4 |
| Cover until transfer of ownership on sale, transfer to the buyer | not addressed |
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 | not addressed | ||
| 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 | not addressed | ||
| Waiver of underinsurance | yes | „nimmt der Versicherer abweichend von § 9 Nr. 2 Mannheimer AB-Sach“ | § 14 Nr. 3 a), page 5 |
| 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.
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
- Mannheimer Versicherung Aktiengesellschaft
- Distribution
- not known
- Mannheimer Bedingungen für die Wohngebäudeversicherung Top (VB-Wohngebäude-Top '15), RE_040 Edition: VB-Wohngebäude-Top 15, Stand 01.07.2025 Original from the insurer (PDF, German)
- Besondere Vereinbarungen Wohngebäude-Top, RE_002 Edition: Besondere Vereinbarungen Wohngebäude-Top 15, RE_002_0725 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 Mannheimer Top '15 and available as plain text.
Volltext Mannheimer Top '15 Leerstandsversicherung · As text (Markdown) Mannheimer Top '15 Vacant property cover