Protect what's yours

With individual solutions and a service you can rely on, we ensure your possessions are optimally protected.

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Insurance solutions for your property

Home Contents Insurance

Home contents insurance protects your home and everything important to you – from furniture and clothing to electronic devices. It covers financial losses if your home contents are damaged or destroyed by fire, burst pipes, storm, hail, burglary, or vandalism. This means you can relax in an emergency, knowing your possessions are optimally protected. We help you find the right insurance for your home – individual, reliable, and fair.
Comprehensive protection – coverage for fire, burst pipes, storm, hail, burglary, and vandalism.
Replacement value compensation – damaged or stolen items are replaced at their new purchase value.
Optional natural hazards coverage – extending protection for natural events like flooding or earthquakes.
Coverage also outside the home – e.g., for theft from your car or while on holiday.
Individually customizable – flexible tariffs to suit your living situation and the value of your home contents.
Home contents insurance protects everything that makes your home valuable – from furniture and clothing to electronics and personal items. It covers damages caused by fire, burst pipes, storm, hail, burglary, or vandalism. In the event of a claim, you receive the replacement value of your items, so you can easily replace them. If desired, coverage can be extended to include natural hazards like flooding or earthquakes. You're also covered when you're out and about – for example, in case of theft from your car or while on holiday. With flexible tariffs tailored to your living situation, we offer you exactly the protection your home deserves.

Glass Insurance

Glass insurance protects you from the costs of glass breakage – whether it's windows, doors, display cases, or furniture glazing. It covers the repair or replacement of damaged panes, so you don't have to worry about a thing. Whether in your apartment, house, or business – with glass insurance, you are comprehensively protected against glass breakage. We help you find the right coverage for your home or business.
Comprehensive glass protection – coverage for breakage of windows, doors, shower enclosures, display cases, and furniture.
Quick repair or replacement – covering costs for glass repairs or replacing damaged panes.
Protection for interior and exterior glazing – whether in a residential building, conservatory, or commercial space.
No restriction based on cause – insurance applies in case of breakage, regardless of the cause of damage.
Customizable plans – adaptable to the type and size of your building or business.
Glass insurance reliably protects you from the costs of glass breakage – whether for windows, doors, shower enclosures, display cases, or furniture. It covers the repair or complete replacement of damaged panes, so you don't have to worry about anything. Both the interior and exterior glazing of your home or business are covered. Regardless of whether the damage is caused by accident, storm, or mishap – the insurance applies irrespective of the cause. With individually customizable plans, you'll find the exact protection that suits your home or business. We help you choose the right glass insurance – simple, secure, and transparent.

Liability Insurance

Liability insurance is one of the most important types of coverage available. It protects you from the financial consequences if you accidentally injure another person or damage someone else's property. Even small mishaps can cause significant costs – liability insurance covers justified claims for damages and defends against unjustified claims on your behalf. This ensures you are fully protected in everyday life. We help you find the suitable liability coverage for you and your family.
Financial protection – covers costs for personal injury, property damage, and financial losses.
Defense against unjustified claims – legal support if claims are unfounded.
Worldwide insurance coverage – also covered when traveling and abroad.
Family and partner coverage – also valid for spouses and children upon request.
Liability insurance reliably protects you from the financial consequences if you accidentally cause damage – whether to people, property, or assets. It covers justified claims for damages and defends against unjustified claims on your behalf. You enjoy worldwide coverage, even when traveling or abroad. The insurance can be optimally adapted to your needs with individually selectable coverage amounts and can also cover your family or partner upon request. This ensures you are fully protected in everyday life – we help you find the suitable liability coverage.

Homeowners Insurance

Homeowners insurance protects your house from the financial consequences of damage caused by fire, burst pipes, storm, hail, or other natural events. It covers the costs for repairs or reconstruction if your building is damaged or destroyed. This ensures your home remains protected even in an emergency – and you don't have to worry about high costs. We help you find the suitable insurance coverage for your home – reliable, individual, and fair.
Comprehensive protection – coverage for damage caused by fire, burst pipes, storm, hail, and lightning.
Coverage for repair or reconstruction costs – your home will be repaired or rebuilt in the event of damage.
Optional natural hazards coverage – extension for natural events such as flooding, landslides, or heavy rainfall.
Coverage for outbuildings – e.g., garage, carport, or garden shed can be included.
Customizable plans – flexibly adaptable to your location, property value, and personal needs.
Homeowners insurance reliably protects your home from the financial consequences of damage caused by fire, burst pipes, storm, hail, or lightning. In the event of damage, it covers the costs for repairs or even the reconstruction of your house – so you can quickly return to your familiar surroundings. Upon request, coverage can be extended to include natural hazards such as flooding, landslides, or heavy rainfall. Outbuildings like garages, carports, or garden sheds can also easily be included in the coverage. With individually customizable plans, you'll find the exact protection that suits your home – we help you optimally protect your property.

Owner's Liability Insurance for Construction Projects

Owner's liability insurance for construction projects protects you as the property owner from the financial consequences if damage occurs on your construction site. Whether a visitor falls, a tradesperson is injured, or third-party property is damaged – as the property owner, you are liable for all risks associated with your construction project. The insurance covers justified claims for damages and defends against unjustified claims. This ensures you are reliably protected throughout the entire construction phase. We help you find the right coverage for your construction project – secure, simple, and straightforward.
Financial protection during the construction phase – coverage for personal injury, property damage, and financial losses on the construction site.
Defense against unjustified claims - defends you against unfounded claims – if necessary, even in court.
Protection for builder's risks – e.g., in case of injuries to passersby, tradespeople, or neighbors.
Applies to helpers and visitors – insurance also covers situations where third parties are active on the construction site.
Individually customizable insurance coverage – suitable for the size and type of the construction project.
Builder's liability insurance reliably protects you from the financial consequences if damage occurs on your construction site. As a builder, you are liable for all risks associated with your construction project – regardless of whether a passerby is injured, a tradesperson is harmed, or third-party property is damaged. The insurance covers legitimate claims for damages and defends you against unjustified claims. It also applies to helpers, visitors, and tradespeople on your construction site, thus offering comprehensive protection throughout the entire construction phase. With individually customizable plans, tailored to the size and type of your construction project, you are optimally protected – we help you find the right coverage.

Construction All-Risk Insurance

Construction all-risk insurance protects your construction project from unforeseen damages during the construction period. It covers costs if unforeseen events such as severe weather, vandalism, theft, or construction errors lead to damages. Whether you are building a house, renovating, or modernizing – with this insurance, your project remains financially secure. This way, you can fully concentrate on your construction project without unexpected cost risks. We help you find the right construction all-risk insurance for your project – individual, reliable, and transparent.
Protection against unforeseen damages - covers damages due to events like severe weather, storms, frost, or floods during the construction phase.
Coverage for vandalism and theft - covers costs if building materials or already installed parts are damaged or stolen.
Cost coverage for construction errors - insures unforeseen damages due to execution or design flaws.
Applies to all parties involved in the construction – including the builder, contractors, and tradespeople.
Individually customizable – insurance coverage tailored to construction type, scope, and project duration.
Construction all-risk insurance offers comprehensive protection for your construction project – from the groundbreaking to completion. It covers costs if unforeseen damages occur during the construction phase, such as those caused by severe weather, floods, storms, hail, vandalism, or theft. Damages due to construction errors or unfortunate circumstances are also covered. The insurance applies to all parties involved in the construction – meaning you as the builder, as well as contractors and tradespeople. In the event of damage, the costs for restoration are covered quickly and reliably. Thanks to individually customizable plans, the insurance coverage optimally adapts to the type of construction, project duration, and scope of your building project. This ensures your dream home is fully protected – we help you find the right coverage.

Legal Expenses Insurance

Legal expenses insurance protects you from the financial risks of everyday legal disputes. It covers the costs when legal conflicts arise – for example, for lawyers, courts, or experts. Whether at work, in traffic, related to housing, or in your private life – with the right coverage, you are optimally protected in an emergency. This way, you can assert your rights without having to worry about high costs. We help you find the right legal expenses insurance for your needs – individual, reliable, and transparent.
Coverage of legal fees - the insurance pays your lawyer's fees so you are professionally
represented.
Court and procedural costs - costs for courts, witnesses, or experts are covered – depending on the plan.
Cost coverage for out-of-court settlements - the insurance also provides financial support for mediations or other out-of-court solutions.
Legal protection in various areas of life - coverage possible, e.g., in private, professional, traffic, or residential sectors.
Telephone legal advice - many policies offer immediate initial legal consultation by phone for legal questions.
In conclusion: Legal expenses insurance gives you the security to truly assert your rights in an emergency – without fear of high costs.Legal disputes can quickly become expensive and complex. With the right coverage, you have a strong partner by your side who supports you financially and has your back. This way, you remain able to act and can focus on what truly matters – while we help you find the right legal protection solution for your needs.

Still have questions? Speak with our experts now.

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4 Reasons to choose Klugversichert

01

Dedicated Contact Person

You get a dedicated contact person with us. No call center, no waiting.
02

Independent & Honest

We work independently and honestly tell you what makes sense.
03

Clear and simple

We speak plainly – no jargon, just genuine understanding.
04

Always by your side

Once your policy is active, we'll be there for any questions and in case of a claim.
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Customer Feedback

Our customers particularly value our clear advice, genuine support, and the reassuring feeling of being understood.
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Finally understood everything – in English.
"I had no idea about the German insurance system – and was completely overwhelmed. Klugversichert explained everything to me step-by-step, in English, patiently and clearly. Now I finally feel secure and well-covered – without language barriers."
– René S., Expat
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Fully there for me in an emergency.
"After an operation, I didn't know how to handle all the insurance matters – but Klugversichert took care of everything. I just had to send the invoices, the rest was easy. That's what real support feels like!"
– Manoj D., Expat
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Tailored insurance package for my business.
"I run a small business – and Klugversichert put together a perfectly tailored insurance package for me. Everything was simple, fast, and personal. Highly recommended!"
– Lukas U., Entrepreneur

Frequently Asked Questions

What insurance do I really need as a homeowner?

The most important components are:
- Building insurance – protects your house itself (e.g., against fire, storm, burst pipes)
- Contents insurance – protects your belongings (furniture, electronics, etc.)
- Personal liability insurance – protects you against claims for damage to third parties

Without this basic protection, damage can quickly become an existential threat.

When do I need additional coverage?

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What insurance do I need when building a house?

Special risks arise during construction:
‍
- Builder's liability insurance – if third parties are harmed on the construction site
- Construction all-risk insurance – protects the construction project from damage (e.g., due to severe weather, vandalism)

Without this coverage, a construction project can quickly become expensive.‍

What's the difference between contents and building insurance?

It's simple:

- Building insurance = everything permanently attached to the house
- Contents insurance = everything you would take with you when moving

Example:
Roof = Building
Sofa = Contents

What should I pay particular attention to?

The biggest mistakes often happen in the details:
- Avoid underinsurance
- Specify the correct living area
- Include natural hazard damage (e.g., heavy rain, flooding) in coverage
- Regularly review coverage

Good coverage grows with your home.

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Are you unsure which insurance is right for you?

Our experienced team will advise you personally and find the right solution together with you.
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