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Insurance Needs
Insurance places a huge role in making sure that whatever wealth you accumulate is protected and your strategy isn't derailed by unexpected events.
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But there is an awful lot of different types of insurance and a lot of choices on the market.
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Let us help you figure out which policies you really need. Here is a range of policies on the market that we can help you with:
Health Insurance (Krankenversicherung)
Having health insurance is a legal requirement in Germany with many opting for the Statutory insurers. But not only are you allowed to choose your provider, but you may have the choice to opt for Private Insurance if you meet the requirements. If you don't meet the eligibility criteria, you can still benefit from an augmented level of care by taking Supplementary Insurance to help pay for dental treatments, hospital stays and much more.
Building Insurance (Wohngebäudeversicherung)
It's often said that an Englishman's home is his castle. And who would want to lose their castle? Building Insurance ensures that should anything happen to the property, such as a fire, flood or any other disaster that affects the structure of the home, it can be repaired and made good again. This will almost certainly be a requirement to have if purchasing real estate with a mortgage, since the lender wants to make sure their security is also protected.
Home Contents (Hausrat)
If you could tip a house upside down, home contents insurance would cover everything that fell out. So whether you have a priceless work of art, a collection of watches and wine, or just simply own day to day essentials, it's vital to protect everything to make sure if you need to, you're able to replace it all without much fuss or worry.
Private Liability (Privathaftpflicht)
Accidents happen - a football through a shed window, a knocked over vase; perhaps these things are easily repaired or replaced. But sometimes the damage can run into the thousands or even millions! Private Liability Insurance helps ensure that if you or a member of your family accidentally cause such damage, the injured party is compensated without wiping out all of your assets.
Pet Liability (Tierhaftpflicht)
It's not just humans that make mistakes and cause damage. Certain pets, such as dogs and horses, need their own liability insurance as well. Think of situations like your canine friend running into traffic or tearing up cushions if and you get the idea why this insurance can be so vital.
Occupational Disability (Berufsunfähigkeit)
Our health is the most important asset we have - and at no time do we feel this more so than when we're unable to work. It's said 1 in 4 people will experience some kind of inability to work in their lifetime, whether due to illnesses such as cancer, accidents affecting mobility or mental strains leading to burn-out. It's therefore vital to ensure at these times when our focus should just be on recovering, that we don't have to worry about paying rent and bills.
If you have any questions about these, or any other insurance policies that you might need, get in touch and see how we can help you protect your wealth & health.
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