🏡 Homeowner Insurance in Germany – Protect Your Property Properly
Buying real estate in Germany is one of the biggest financial commitments in life. Whether it’s for your family or as an investment – the property must be protected. Homeowner insurance (Wohngebäudeversicherung) offers essential coverage if you own the entire building.
🔍 When Do You Need Homeowner Insurance?
You only need homeowner insurance if you own the full building (e.g. a detached house, townhouse, or duplex). If you own just an apartment (condominium), building insurance is usually managed by the homeowners’ association (WEG) and paid through your service charges.
If you’re buying an existing property, you automatically take over the seller’s policy unless it’s been canceled. After the final transfer in the land registry (Grundbucheintrag), you have a special cancellation right for 4 weeks to choose a new policy.
🔐 What Does Homeowner Insurance Cover?
- Fire, lightning, storm, and hail damage
- Water damage from burst pipes or frost
- Glass breakage, vandalism, and burglary (optional)
- Solar systems, garages, chimneys, garden sheds, fences, and other permanent structures
💡 Why Quality Over Price Matters
For most people, their property is the largest investment of their life. Choosing homeowner insurance based on price alone can lead to poor coverage, delays in claims, or even denial in critical cases. At German Sherpa, we focus on quality, long-term coverage, and independent advice – not just the cheapest offer.
✅ Why Choose German Sherpa?
- Independent comparison of 250+ insurers
- Tailored coverage for houses and buildings
- Expat-friendly – all in English
- We explain your existing contract and help you cancel if needed
📲 Request a Homeowner Insurance Check via WhatsApp
This service is only available if you own the entire building.To get started, simply send us:
- 📄 A copy of your current homeowner insurance contract (PDF or photo) 📬 The most recent annual invoice (Abrechnung)
We’ll review coverage and pricing, check for gaps or overinsurance, and suggest better options if needed – in plain English.
Clear, honest, and independent – German Sherpa helps you protect what matters most.
