Property & liability insurance
Not every risk needs to be insured. What matters are the losses that could become financially existential. Everything else is a trade-off.
Household contents, liability and other everyday risks: which contracts are really needed – and which are not.
Who this advice is for
This topic may be relevant to you in the following situations:
- People setting up their first own flat
- Families reviewing existing contracts
- Anyone who wants to check their policies for overlaps
What we clarify together
A suitable recommendation starts with the right questions. In a personal consultation, we look at:
- Which losses could seriously affect you financially?
- Which contracts already exist and do they overlap?
- Which sums insured and deductibles fit your situation?
How we approach the consultation
We proceed step by step so that you can understand the options and make an informed decision:
- Review existing policies
- Name gaps and duplications
- Set priorities and implement step by step
What you should keep in mind
Before making a decision, it is important to consider the following points:
- The scope of cover always follows from the specific contract terms.
- Sums insured that are too low can lead to reduced payouts in a claim.
- Many small contracts cost money without covering a large risk.
Common questions
Which insurance is the most important?
That depends on your situation. Usually risks that could become existential come first.
Can I bring existing contracts?
Yes, gladly. An overview of your current policies makes the conversation far more concrete.