{"id":37719,"date":"2026-05-04T08:28:08","date_gmt":"2026-05-04T07:28:08","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=37719"},"modified":"2026-05-15T08:24:01","modified_gmt":"2026-05-15T07:24:01","slug":"home-insurance-property-owners-germany","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/home-insurance-property-owners-germany\/","title":{"rendered":"Home Insurance for Property Owners in Germany (Wohngeb\u00e4udeversicherung)"},"content":{"rendered":"\t\t
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\n WOHNGEB\u00c4UDEVERSICHERUNG \u00b7 GERMANY<\/span>\n

Protect your home in Germany as a property owner<\/h1>\n

Building insurance is essential if you own property in Germany. We help you choose the right coverage for your situation, for free and in your language.<\/p>\n

\n Request free quotes<\/a>\n Talk to an adviser<\/a>\n <\/div>\n

Free advice<\/strong> \u00b7 We help you in your language with no commitment<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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What is building insurance and why is it so important?<\/h2>\n

If you own a house or flat in Germany, building insurance (Wohngeb\u00e4udeversicherung)<\/strong> is the most important insurance you should have. It covers the building itself against serious damage caused by fire, water, natural events and other structural risks.<\/p>\n

Unlike home contents insurance, which covers your personal belongings, this insurance protects the physical structure of the property<\/strong>: walls, roof, fixed installations and all integrated elements of the building. Significant damage to a building without insurance can result in enormous financial loss. That is why every property owner in Germany should have it.<\/p>\n <\/div>\n<\/section>\n\n

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What risks does building insurance cover?<\/h2>\n

You can choose which modules to include in your contract depending on your property's needs.<\/p>\n

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Fire and explosion<\/h3>\n

Damage caused by fire, explosion, implosion or lightning affecting the building's structure.<\/p>\n <\/div>\n

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Water damage<\/h3>\n

Burst pipes, waterlogging and flooding that damage the building structure or its installations.<\/p>\n <\/div>\n

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Storms and hail<\/h3>\n

Structural damage caused by weather events such as storms, strong winds or hail.<\/p>\n <\/div>\n

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Lightning and power surges<\/h3>\n

Damage caused by lightning strikes and electrical surges resulting from them.<\/p>\n <\/div>\n

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Flooding and groundwater<\/h3>\n

Optional cover against flooding from overflowing rivers or groundwater ingress.<\/p>\n <\/div>\n

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Additional modules<\/h3>\n

The contract is fully customisable. You can add or remove coverage modules to match the specific characteristics of your property.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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Want to know how much insurance for your property would cost?<\/h2>\n

Fill in the form and we will send you the best available offers based on your property's location, size and characteristics.<\/p>\n

\n Request free quotes<\/a>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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What factors determine the price of the insurance?<\/h2>\n

The cost of building insurance in Germany is not fixed. It depends on several factors that the insurer assesses individually for each property.<\/p>\n

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01<\/div>\n
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Location<\/h3>\n

Risk varies by area: zones with a higher probability of flooding, storms or other incidents have higher premiums.<\/p>\n <\/div>\n <\/div>\n

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Property size<\/h3>\n

The living area and the number of floors directly influence the premium calculation.<\/p>\n <\/div>\n <\/div>\n

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Year of construction<\/h3>\n

Older properties may have less up-to-date installations, which can increase the risk and therefore the price.<\/p>\n <\/div>\n <\/div>\n

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Structure and materials<\/h3>\n

The type of construction (wood, brick, concrete) and roofing materials affect the insurance calculation.<\/p>\n <\/div>\n <\/div>\n

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Modules included<\/h3>\n

The more additional coverage modules you include, the higher the premium \u2014 but also the more comprehensive the protection.<\/p>\n <\/div>\n <\/div>\n

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Excess<\/h3>\n

The higher the excess you choose, the lower the insurance price. At Bramex we help you decide which option suits your situation best.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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Frequently asked questions about homeowner insurance in Germany<\/h2>\n
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\n How much does building insurance cost in Germany?<\/summary>\n
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The price varies depending on the location, size, year of construction, building structure and modules included. Fill in the form to receive a personalised quote with no commitment.<\/p>\n <\/div>\n <\/details>\n\n

\n How do I get a quote?<\/summary>\n
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Fill in the request form with your property details. As soon as we receive it, we will get in touch to send you the best available offers.<\/p>\n <\/div>\n <\/details>\n\n

\n Can I choose whether to have an excess or not?<\/summary>\n
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Yes. The contract can be taken out with or without an excess. The higher the excess you choose, the lower the insurance price. At Bramex we advise you on the best option for your situation.<\/p>\n <\/div>\n <\/details>\n\n

\n How long does the contract last?<\/summary>\n
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Contracts are annual and renew automatically<\/strong> each year, unless one of the parties gives notice of cancellation within the agreed timeframe.<\/p>\n <\/div>\n <\/details>\n\n

\n I already have building insurance. Can I switch?<\/summary>\n
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Yes. To do so, check the renewal date of your current contract. Cancellation must be made 3 months before the renewal date<\/strong> in order to take out a new contract.<\/p>\n <\/div>\n <\/details>\n\n

\n Does this insurance also cover my personal belongings inside the property?<\/summary>\n
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No. Building insurance covers only the structure of the building. To protect your personal belongings you also need a home contents insurance (Hausratversicherung)<\/a>.<\/p>\n <\/div>\n <\/details>\n\n <\/div>\n <\/div>\n<\/section>\n\n

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Do you own property in Germany or are you about to buy?<\/h2>\n

Fill in the form and we will send you the best offers based on your property's characteristics. Free management, in your language and with no complications.<\/p>\n

\n Request information and quotes<\/a>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n