the circumstances of life Change, the insurance protection is put to the test. The most common reason to bring the insurance up to date, is a change in the family constellation such as wedding, birth, divorce or death. But also a move or a career jump are classic breaks, a policy Check is necessary.

I recommend however, shorter intervals: it is Better to check the policies routinely once a year. Then everyone should consider for themselves what has changed in the past year and whether these events have an impact on his insurance. Anyone who waits too long with the Review and adaptation of risk, the insurance sum is in the case of older contracts, well below the actual needs. Then financial losses to the Insured in case of damage. About the author

Peter Schnitzler (Born in 1979) is an expert on liability, Household contents and residential buildings insurance. The studied musician and economist, has been working since 2010 for the ERGO Group.

personal liability insurance: adequate coverage, check

In the case of a Private liability insurance is recommended for a periodic Review, as important to cover content, such as, for example, the demand failure cover, damage from acts of Courtesy or borrowed stuff in existing contracts are often not covered.

For couples that move in together or marry, the following applies: a joint Private-liability insurance contributions to save. But be careful: Then the mutual claims are excluded! A partner in life destroyed by, for example, accidentally, the precious camera in the other, the Couple also together sit on the damage. New addition to the family is, should be Private-verified liability insurance. With the birth of a child, a family policy is necessary. And also separated couples have to deal with a new insurance protection, because the family police is at the latest with the divorce null and void. In particular, in the case of death of the policyholder, the insurer must be informed, because then the contract ends. There are co-insured persons are insured for up to the next year due next.

household insurance: new address sign

Also in the household insurance Partner, the reasons, a common household can complete a common policy. But not only should be Insured to customize your contract. Also a relocation of the insurance must be reported in each case. The reason for this Is, for example, the risk of a Burglary in the new residential area is low, the positive effect of the insurance contribution is noticeable.

as a General rule: The sum insured should always be in the case of changes in the housing conditions is reviewed. Otherwise can exist under certain circumstances, in the case of a damage, under-insurance and the policyholder receives only a part of the damage replaced. The House is still under construction, then it is recommended that the sum insured in shorter intervals to adjust. This also applies if larger purchases – such as, for example, a large-screen TV – are planned. Then be replaced in case of damage, the costs incurred for the replacement of the same quality.

residential building insurance: to further natural hazards

think Also of the residential building insurance should be regularly a critical Review. In particular, after reconstruction, Expansion or enlargement, such as an attic conversion or installation of a Garage can change the value of the building. In the case of a low sum insured under-insurance occurs. In the case of damage, the policyholder gets only a part of the damage replaced.

In addition, Other natural hazards are "" often part of the residential building insurance. This is the protection for damage caused by Floods, backwater, snow pressure, earthquake, Subsidence, landslide, avalanches, and volcanic eruption.

Important: Even for the tenants of the additional confinement in the case of the personal home insurance relevant.

homeowners also bear the risk of liability. In case of danger of roof avalanches or aborting icicles, you must ensure that neither persons nor objects to take damage. Home residents can protect themselves with a Private insurance. House the landlord should have a house and land owner liability insurance to complete.

Date Of Update: 05 February 2020, 18:00