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在德国买房还需要买哪些保险? - 德国欧通商务

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柏林

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杜塞尔多夫

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科隆

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越来越多的华人在德国置业,但是很多人对德国房产相关的保险不太了解,下面德国理财网www.licai.de(微信defang8)就对相关知识进行简单介绍

 

租房和买房:

在德国无论是买房还是租房,您都需要及时购买或调整您的家庭财产险(Hausratversicherung)以防您的住宅遭受盗窃,火灾等损失。

 

买房:

买房后您必须有的保险是房屋险(Gebäudeversicherung) 和房主责任险 (Hausbesitzerhaftpflichtversicherung)。
 
 
建房与维修:
您在建房或着装修的时候需要购买建房房主责任险Bauherrenhaftpflichtversicherung。
 
光伏:
对于购买和安装了光伏太阳能设备的业主来说,也应该购买光伏太阳能设备保险Photovoltaikversicherung。
 
法律保护:
在德国经常会出现邻里纠纷,如果房产出租又有可能出现同租客的纠纷,所以可以考虑购买覆盖以上领域的法律保护险Rechtsschutzversicherung。

德国市场上有很多家庭财产险 Hausratversicherung,房屋险Gebäudeversicherung和法律保护险Rechtschutzversicherung等,但是价格和理赔额度的差异是非常大的。同一个产品类别下面,保费也不同。您需要获取更多信息,请添加德国理财网客服微信defang8

 

免责声明:本平台提供的信息只为读者提供参考,不保证其完整性和正确性,并不是税务、保险、金融投资和法律等领域的专业咨询,据此操作,风险自担。本网站提供的外部网页链接、理财、金融和保险产品和各种计算工具均由相应外部网站提供,产品详情请查阅相应网站。

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