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Württembergische PremiumPlus: the policy wording in full
Wohngebäudewerk VGB 2025 mit PremiumPlus (unbenannte Gefahren): Nichtnutzung ist eine mögliche Gefahrerhöhung, Leerstandsregeln fehlen, die zugrunde liegenden BB Premium liegen nicht vor.
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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 Württembergische PremiumPlus.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „Als Versicherungswert kann der gleitende Neuwert, der Neuwert, der Zeitwert oder der …“ | VGB § 10 Nr. 1, page 6 |
| Vacant building expressly insurable (own policy or vacancy clause) | yes | „Ein Gebäude oder der überwiegende Teil eines Gebäudes wird nicht mehr genutzt.“ | VGB § 18 Nr. 1 b, page 10 |
| 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 | yes | „Nicht genutzte Gebäude oder Gebäudeteile müssen zu jeder Jahreszeit genügend häufig …“ | VGB § 17 Nr. 1 b, page 9 |
| Vacancy during conversion or renovation covered | no | „Baumaßnahmen, Renovierung, Restaurierung am Versicherungsort“ | BB PremiumPlus § 3 Nr. 2 g, page 2 |
| Uninhabitable or dilapidated buildings excluded | yes | „Soweit ein Gebäude zum Abbruch bestimmt oder sonst dauerhaft entwertet ist, werden …“ | VGB § 14, page 8 |
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, das ohne einen bestimmungsgemäßen“ | VGB § 2, page 2 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „frostbedingte und sonstige Bruchschäden an“ | VGB § 3 Nr. 1 a, page 2 |
| Frost damage to pipes and heating while vacant | yes, up to the sum insured | „frostbedingte und sonstige Bruchschäden an“ | VGB § 3 Nr. 1 a, page 2 |
| Storm and hail while vacant | yes, up to the sum insured | „Sturm ist eine wetterbedingte Luftbewegung von“ | VGB § 4 Nr. 2 a, page 3 |
| Other natural hazards while vacant | yes, up to the sum insured | „weitere Elementargefahren“ | VGB § 4 Nr. 1 b, page 1 |
| Vandalism and malicious damage while vacant | yes, up to the sum insured | „Personen, die sich unberechtigt am Versicherungsort aufhalten“ | BB PremiumPlus § 3 Nr. 3 b, page 2 |
| Burglary damage to the building (doors, windows, locks) while vacant | not addressed | ||
| Theft of fixed building parts (copper, boiler, fittings) | yes, up to the sum insured | „Der Versicherer leistet auch, wenn versicherte Sachen infolge eines aufgrund des …“ | BB PremiumPlus § 5, page 3 |
| Glass breakage while vacant | no | „Kein Versicherungsschutz besteht für Schäden an der Gebäudeverglasung“ | BB PremiumPlus § 2 Nr. 1, page 2 |
| Squatting, damage by unauthorised occupants and eviction costs | not addressed |
Restrictions and reductions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover excluded or suspended during vacancy | none | „Ein Gebäude oder der überwiegende Teil eines Gebäudes wird nicht mehr genutzt.“ | VGB § 18 Nr. 1 b, page 10 |
| 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 | yes | „entsprechend erhöhten Beitrag verlangen“ | VGB § 28 Nr. 3 b, page 14 |
| 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 | yes | „Ein Gebäude oder der überwiegende Teil eines Gebäudes wird nicht mehr genutzt.“ | VGB § 18 Nr. 1 b, page 10 |
| Regular inspections required (interval in days or weeks) | yes | „Nicht genutzte Gebäude oder Gebäudeteile müssen zu jeder Jahreszeit genügend häufig …“ | VGB § 17 Nr. 1 b, page 9 |
| Proof or log of inspections required | not addressed | ||
| Shut off and drain water pipes | yes | „abzusperren, zu entleeren und entleert zu halten“ | VGB § 17 Nr. 1 b, page 9 |
| Heat during the cold season or drain the heating system | yes | „In der kalten Jahreszeit müssen alle Gebäude“ | VGB § 17 Nr. 1 c, page 9 |
| 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 | „Der Versicherer verzichtet auf das Recht zur Leistungskürzung bis zu dem Teil der …“ | BB PremiumPlus § 6, page 3 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to the sum insured | „Das sind Kosten die entstehen, um versicherte Sachen“ | VGB § 7 Nr. 1, page 5 |
| 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 | yes, up to the sum insured | „höchstens jedoch für den vereinbarten Zeitraum“ | VGB § 9 Nr. 2 a, page 6 |
| Graffiti on external walls | not addressed | ||
| Damage by animals or pests (martens, rodents) | yes, up to the sum insured | „leistet der Versicherer bis zur Versicherungssumme“ | BB PremiumPlus § 4 Nr. 3, page 3 |
| Cover until transfer of ownership on sale, transfer to the buyer | yes | „Veräußert der Versicherungsnehmer die versicherte“ | VGB § 19 Nr. 1 a, page 10 |
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 | yes, up to EUR 150 | „Die Selbstbeteiligung beträgt je Versicherungsfall 150 EUR.“ | BB PremiumPlus § 3 Nr. 4, page 2 |
| 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 | „keinen Abzug wegen Unterversicherung vor“ | VGB § 11 Nr. 2 a, page 7 |
| Transfer of the policy to heirs or a new owner | yes | „Veräußert der Versicherungsnehmer die versicherte“ | VGB § 19 Nr. 1 a, page 10 |
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
- Württembergische Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Allgemeine Bedingungen Wohngebäudeversicherung (VGB 2025, Formular 1060) Edition: VGB 2025, Formular 1060, Stand 01.03.2025 Original from the insurer (PDF, German)
- Besondere Bedingungen Wohngebäudeversicherung PremiumPlus (Formular 1556) Edition: BB PremiumPlus 2025, Formular 1556, Stand 01.03.2025 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 Württembergische PremiumPlus and available as plain text.
Volltext Württembergische PremiumPlus Leerstandsversicherung · As text (Markdown) Württembergische PremiumPlus Vacant property cover