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VHV Haus- und Grundbesitzerhaftpflicht: the policy wording in full
Haus- und Grundbesitzerhaftpflicht für das beschriebene Gebäude oder Grundstück ohne Einschränkung bei Leerstand, mit Nachhaftung als früherer Besitzer und Gewässerschäden.
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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 VHV Haus- und
Grundbesitzerhaftpflicht.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | not addressed | ||
| 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) | not addressed | ||
| 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 | not addressed | ||
| Vacancy during conversion or renovation covered | not addressed | ||
| Uninhabitable or dilapidated buildings excluded | not addressed |
Perils covered while vacant
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion, implosion) while vacant | not addressed | ||
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | not addressed | ||
| Frost damage to pipes and heating while vacant | not addressed | ||
| Storm and hail while vacant | not addressed | ||
| Other natural hazards while vacant | not addressed | ||
| 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 | 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 | not addressed | ||
| Regular inspections required (interval in days or weeks) | not addressed | ||
| Proof or log of inspections required | not addressed | ||
| Shut off and drain water pipes | not addressed | ||
| Heat during the cold season or drain the heating system | not addressed | ||
| 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 | not addressed | ||
| Costs of emergency securing (boarding, temporary glazing, guarding) | not addressed | ||
| Leak detection and excavation costs | not addressed | ||
| Extra costs for lost water and frost protection | not addressed | ||
| 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 | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers als früherer …“ | A1-6.3, page 17 |
Owner's liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability as property owner for the vacant building included | yes, up to the sum insured | „Versichert ist im Umfang der nachfolgenden Bestimmungen die gesetzliche Haftpflicht des …“ | A1-1.1, page 13 |
| Sum insured of owner's liability | yes, up to the sum insured | „30 oder 50 Mio. Euro pauschal für Personen-, Sach- und Vermögensschäden“ | Produktübersicht, page 9 |
| Liability limited in time or excluded during vacancy | not addressed | ||
| Water pollution and sewage damage (oil tank, sewage) in the liability part | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers für unmittelbare …“ | A2-1.1, page 26 |
| Defence against unjustified claims and legal costs | yes, up to the sum insured | „die Abwehr unberechtigter Schadensersatzansprüche“ | A1-4.1 b, page 14 |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General deductible | yes, up to the sum insured | „mit einem im Versicherungsschein und seinen Nachträgen festgelegten Betrag …“ | A1-5.4, page 15 |
| 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 | not addressed | ||
| 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- VHV Allgemeine Versicherung AG, VHV Vereinigte Hannoversche Versicherung a.G.
- Distribution
- brokers and direct
- Bedingungen Haus- und Grundbesitzerhaftpflicht (102.0005.73) Edition: HVG 0924, Stand 06/2026 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 VHV Haus- und Grundbesitzerhaftpflicht and available as plain
text.
Volltext VHV Haus- und Grundbesitzerhaftpflicht Leerstandsversicherung · As text (Markdown) VHV Haus- und Grundbesitzerhaftpflicht Vacant property cover