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房产相关保险 - 德国理财网

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无论是买房还是租房,您都需要及时购买或调整您的家庭财产险(Hausratversicherung),以防您的住宅遭受盗窃,火灾等损失。买房后您必须有的保险是房屋险(Gebäudeversicherung)和房主责任险(Hausbesitzerhaftpflichtversicherung)。您在建房或着装修的时候需要购买建房房主责任险Bauherrenhaftpflichtversicherung. 对于购买和安装了光伏太阳能设备的业主来说,也应该购买光伏太阳能设备保险Photovoltaikversicherung。

房屋险

德国市场上有很多家庭财产险Hausratversicherung,但是价格和理赔额度的差异是非常大的。同一个产品类别下面,保费也不同。一个是因为保额不同造成,最合适的家财保险的保额是客户恢复其以前的生活而需要的标准数额。另外一个差异是地区差异,保险公司基于入侵的风险,把德国分成四到六个区,入室盗窃风险最低的是巴伐利亚小镇居民,同等情况下,他们支付的费用就比较低,而法兰克福,科隆和柏林等大城市的居民就需要支付高额费用。点击下面的链接可以免费比较德国众多家庭财产险:》》》点击这里免费比较家庭财产险Hausratversicherung《《《

每一个房主都应该购买房屋险(Gebäudeversicherung),因为天灾人祸造成的房屋损失往往是数额巨大。一旦房主无法支付损坏的修缮费用,那么不仅他家庭的生活质量会大大降低,而且养老保障也受到威胁。》》》点击这里免费比较房屋险Gebäudeversicherung《《《

房屋保险不仅承保由火灾,水管破裂,风暴及其它原因造成的民房损坏,而且该保险还涵盖了在民房所在地皮上的其它类型的建筑物以及与民房固定在一起的物体。房屋保险能够在灾害发生后为房主提供全面的财务帮助。以下的灾害属于房屋保险的承保范围:
— 火灾
— 闪电
— 外部或内部爆炸
— 电压超负
— 超过8级或时速超过62公里的风暴
— 冰雹
— 自来水造成的损失
— 水管被冻坏或破裂造成的漏水
不仅是房屋本身属于承保范围,而且所有与房屋固定在一起的物体也被涵盖。比如水暖设备,固定厨房,天线等等。

另外房屋险还提供了许多附加险险种,来预防如下损失的发生因:电线负荷过大引起的火灾或爆炸、因使用壁炉引起的火灾、因房屋临近大街而可能导致的车辆碰撞房屋,以及因水龙头破裂导致的地面墙面进水等等。其他比如治理房屋或地皮的存在的污染费用以及由水缸,水床和雨水管里的存水引起地受潮清理费用也可通过相应的保险项目赔付。一些服务周全的房屋险甚至可以投保因房屋被损房主住酒店的住宿费用,房屋遭人为损坏的修理费用,外墙遭人为恶意涂画的清洁费用,以及特定地区的自然灾害,比如洪水,地震和雪灾。

在您决定投保房屋险以后,一定要防止保险不足的情况发生。有了合适的房屋险,您就可以高枕无忧而不用担心哪天突然在惊吓中醒来。

 

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