Your Chalet in Germany Well Insured
Germany is the most popular destination for Dutch holiday home owners. The Eifel with volcanic lakes, it Sauerland for winter sports, the romantic Moselle region with vineyards and it Black Forest with dense forests and wellness: all within a few hours' drive.
Dutch insurers offer excellent coverage for holiday homes in Germany within 100 km of the Dutch border. This includes all popular regions: Eifel, Sauerland, Moselle and the northern Black Forest. House prices are down 30-50% lower than in the Netherlands.
With our chalet insurance for Germany you enjoy all-risk coverage, Dutch service and rental included in the insurance. Essential after the flood disasters of 2021 and 2024.
Where is your chalet located?
Eifel
Volcanic lakes, forests, picturesque villages. Close to the Dutch border.
Sauerland
Winter sports, hiking, 2700+ hills. Popular in the Netherlands.
Moselle region
Vineyards, castles, Roman heritage. Romantic.
Black Forest
Mountains, wellness, cuckoo clocks. Premium location.
⛷️ Winter sports: Winterberg & Willingen
The Sauerland is the most popular winter sports destination for Dutch people:
- ⛷️ Winterberg: 27.5 km of slopes, largest ski area Sauerland, 310 km from Utrecht
- 🎿 Willingen: 17 km of slopes, longest descents, gondola lift to 838m
- 🏔️ Kahler Asten: 842m, second highest peak, 170 km cross-country ski trails
- ❄️ Snow cannons: 80% of slopes artificially snow-covered, season Dec-Mar
- 🏠 Landal/Center Parcs: Holiday parks right next to the ski area
- 🍺 Après ski: Möppi's Hütte, Brabander Skihütte, Alm Salettl
🏰 Popular Eifel & Moselle Places
- 🌋 Volcanic Eifel: Maare (volcanic lakes), vast forests, Nürburgring
- 🏰 Cochem: Imposing Reichsburg castle, wine, river Moselle
- 🏛️ Trier: Oldest city in Germany, Roman heritage, Porta Nigra
- 🍇 Bernkastel: Half-timbered houses, steep vineyard terraces, romance
- 🌲 Eifel National Park: Reservoirs, hiking trails, wildlife parks
What is insured?
Fire & Explosion
Damage due to fire, explosion, lightning, smoke. Essential for wooden chalets.
Storm & Hail
Damage due to storm, hail, precipitation. €5.5 billion damage in Germany 2024.
Floods
River flooding covered with all-risk. Crucial after Ahr-dal disaster 2021.
Burglary & Theft
Theft with signs of forced entry and vandalism by third parties.
Tap water
Leakage, pipe breakage, water damage inside.
liability
Damage to others up to €500,000. Included for free!
⚠️ Specific Risks Germany
A chalet in Germany has specific risks that must be covered:
- 🌊 Floods: Ahr-dal disaster 2021, €5.5 billion damage 2024
- 🌪️ Storm & hail: Heavy storms, €2 billion in damage per year
- ❄️ Winter damage: Frozen pipes, snow pressure on roof
- 🌲 Falling trees: Wooded areas, storm damage
- 🏚️ Vacancy: Holiday home often uninhabited
- 🔓 Burglary: Remote locations, vacancy risk
⭐ All Risk Coverage: Maximum Protection
With comprehensive coverage you are insured against all unforeseen damage:
- ✓ Basic coverage: Fire, explosion, lightning
- ✓ Extensive: + Storm, hail, burglary, theft, vandalism
- ✓ All Dangers: + All evils coming from without
- ✓ Floods: River floods covered (Elementarversicherung)
- ✓ Landslides: Hilly areas
- ✓ Snow pressure: Winter damage to roof
🔑 Rental: Airbnb & Fewo-direkt
Do you rent your chalet in Germany to holiday guests?
- ✓ Private rental: Insured for up to 25 weeks per year
- ✓ Platforms: Airbnb, Booking.com, Fewo-direct covered
- ✓ Liability: Damage to guests covered up to €500,000
- ✓ Combination: Own use and rental possible
- ⚠️ Deductible: During rental often €500 deductible
- 📋 German rules: Obligation to report to the municipality (Ferienwohnungsvermietung)
🇳🇱 Benefits of Dutch Policy for Germany
Why insure your German holiday home through a Dutch insurer?
- ✓ Dutch service: No language barrier, own language in case of damage
- ✓ All-risk possible: More extensive coverage than German Gebäudeversicherung
- ✓ Vacancy covered: Standard with holiday home insurance
- ✓ Rental also insured: Up to 25 weeks per year
- ✓ Floods: Standard with all-risk (often extra in DE)
- ✓ One point of contact: Claims handling in your own language
🇩🇪 German vs Dutch Insurance
In Germany you need several insurance policies for full coverage:
- 📋 Gebäudeversicherung: Building insurance, mandatory with mortgage
- 📋 Hausratversicherung: Contents insurance, take out separately
- 📋 Basic overview: Floods, EXTRA insurance needed!
- 📋 Haftflichtvericherung: Liability, take out separately
- ⚠️ NB: German insurers often do not insure holiday homes!
- ✓ Dutch policy: Everything in one, including flooding and vacancy
💰 Premium indication Chalet Germany
| Type | Value | Premium/month |
|---|---|---|
| chalet Eifel | €50,000 - €100,000 | €10 - €18 |
| Holiday home Sauerland | €100,000 - €180,000 | €12 - €25 |
| Holiday home Moselle | €120,000 - €200,000 | €15 - €30 |
| House Schwarzwald | €150,000 - €300,000 | €20 - €40 |
| Luxury holiday home | €300,000+ | €35 - €45+ |
| Insure household contents | €10,000 - €40,000 | +€5 - €12 |
* All-risk is approximately 20% more expensive than basic coverage. Germany sometimes small storage.
🏠 House prices Germany vs Netherlands
Holiday homes in Germany are considerably cheaper:
- 💰 30-50% cheaper: Detached house €180k in DE vs €290k in NL
- 🏡 Eifel/Hünsruck: Cheapest regions, from €80,000
- ⛷️ Sauerland: Average €100,000-€180,000
- 🍷 Moselle: €120,000-€200,000, romantic locations
- 🏔️ Black Forest: Premium, from €150,000
- 📈 Stable market: Less speculation than NL, good investment
⚠️ Not Covered / Exclusions
- ✗ Permanent residence: Only as a holiday home
- ✗ Outside 100 km limit: Some insurers have limited reach
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Frost damage: When vacant without winter measures
- ✗ Commercial rental: Rental >25 weeks without personal use
💡 Tips for Your Chalet in Germany
- ✓ 100 km rule: Check whether your location is within insurance coverage
- ✓ Flood area: Check ZÜRS map for flood risk
- ✓ Winterized: Have pipes drained when empty in winter
- ✓ Local management: Consider German management company for controls
- ✓ Grundsteuer: German property tax, annual
- ✓ Notary required: When purchasing, always go through a German notary
🏡 Typical Homes in Germany
All types of holiday homes are insurable:
- 🏠 Fachwerkhaus: Characteristic half-timbered house, Moselle & Eifel
- 🏡 Ferienhaus: Detached holiday home, most common
- 🏔️ Mountain hut: Mountain chalet, Black Forest & Sauerland
- 🌲 Blockhaus: Wooden log cabin, wooded areas
- 🏢 Ferienwohnung: Holiday apartment, holiday parks
