Your Holiday Home in Germany Well Insured
Germany is one of the most popular destinations for Dutch car owners second home. The easy accessibility and beautiful nature make areas like the Eifel, Sauerland and Black Forest ideal for a holiday home.
Although in Germany you have a Housing renovation (building insurance), offers a Dutch holiday home insurance key benefits: better All-risk coverage, Dutch service without language barrier and simple claims handling.
In Germany, home insurance is automatically transferred to the new owner upon sale. You then have 4 weeks to switch to another insurer. With a Dutch policy you avoid German policy conditions and language barriers.
Where is your holiday home located?
Eifel & Moselle
Volcanic landscape, vineyards and forests. Most popular region among Dutch people. Close to Cologne and Koblenz.
Sauerland & Winterberg
The 'land of a thousand mountains'. Popular for winter sports and hiking. Easily accessible from the Netherlands.
Black Forest & Harz
Classic German mountain landscapes with dense forests. Ideal for nature and walking holidays all year round.
🇩🇪 Also Insured in Other Regions
In addition to the popular regions, we insure holiday homes throughout Germany:
- ✓ Baltic Sea: Rügand, Usedom, Kühlungsborn
- ✓ Bavaria: Allgäu, Berchtesgadand, Chiemgau
- ✓ North Sea: Sylt, Norderney, St. Peter-Ording
- ✓ Thuringia: Thuringian Forest, Erfurt, Weimar
What is insured?
Fire & Explosion
Damage due to fire, explosion, lightning strike and soot deposits.
Storm & Hail
Damage due to storm (wind force 8+), hail and precipitation.
Tap water
Leakage, pipe breakage and water damage due to frost.
Burglary & Theft
Theft with signs of forced entry and vandalism by third parties.
Glass breakage
Breakage of windows, doors and windows due to all causes.
liability
Damage to third parties due to your home. Up to €500,000 coverage.
🌊 Elementarversicherung: Natural Disasters Coverage
In Germany, damage caused by natural disasters is often NOT covered as standard. Consider Elementarversicherung for:
- ⚠️ Floods: By rivers OR heavy rainfall (Starkrain)
- ⚠️ Flooding: Half of all damage from heavy rainfall, not rivers
- ⚠️ Landslides: Land subsidence and mudslides
- ⚠️ Earthquakes: Rare but can occur anywhere
- ✓ Eifel/Moselle: Highly recommended! Recently a lot of flooding
- ✓ Dutch policy: Often more extensive coverage than German Elementar
💡 Tip: After the 2021 floods, Elementarversicherung is essential in risk areas!
🇳🇱 vs 🇩🇪 Dutch or German Insurance?
🇳🇱 Dutch Policy
- ✓ All-risk coverage possible
- ✓ Dutch service, no language barrier
- ✓ One point of contact in case of damage
- ✓ Vacancy covered as standard
- ✓ Rental also insured
- ✓ Return cover (travel costs)
- ✓ Liability included free of charge
🇩🇪 German Policy (Wohngebäude)
- → Fire, storm, hail, tap water
- → Communication in German
- → Local insurer
- → Holiday home sometimes not accepted
- → Elementar often have to be insured separately
- → Contents separate (Hausrat)
- → Liability separate
💡 NB: Some German insurers do not accept holiday homes that are not permanently occupied!
🔑 Rental Via Airbnb, Booking or To Friends
Do you rent out your holiday home in Germany? With our insurance you are covered:
- ✓ Rental up to 26 weeks/year: To family, friends or holiday guests
- ✓ Own use combination: Rental only in combination with personal use
- ✓ House + contents: Fully insured during rental periods
- ✓ Liability: Damage to guests covered up to €500,000
- ⚠️ NB: Sales tax applies to rentals (7% short-term, 19% long-term)
- ⚠️ Local authority: Check local reporting requirements and permit requirements
📚 German Insurance Concepts
Handy translation of commonly used German insurance terms:
⭐ All Risk Coverage: Maximum Protection
With all-risk coverage you are insured against all unforeseen damage from outside:
- ✓ Basic coverage: Fire, explosion, lightning, storm, hail
- ✓ Extensive: + Burglary, theft, vandalism, tap water, broken glass
- ✓ All risk: + All unforeseen external damage
Tip: Allrisk also covers accidents such as falls, bumps and damage – ideal for rentals!
💰 Premium indication Holiday home Germany
The premium depends on reconstruction value, region, construction type and coverage:
| Type of property | Reconstruction value | Premium/month |
|---|---|---|
| Apartment | €75,000 - €150,000 | €12 - €25 |
| Holiday home Eifel | €100,000 - €200,000 | €18 - €35 |
| chalet Sauerland | €80,000 - €160,000 | €20 - €40 |
| Villa/country house | €250,000+ | €35 - €60 |
| Insure household contents | €15,000 - €50,000 | +€8 - €18 |
* Premiums are indicative. Exact premium depends on reconstruction value, type of construction, location and coverage. All-risk is approximately 20% more expensive than basic coverage. Wooden chalets have a higher premium.
⚠️ Not Covered / Exclusions
Please note the following exclusions in the policy conditions:
- ✗ Permanent residence: Only as a second home, not as a main residence
- ✗ Poor maintenance: Damage due to overdue maintenance or construction errors
- ✗ Standard no Elementar: Take out additional insurance for floods/natural disasters
- ✗ Vandalism by tenant: Damage caused by tenants themselves is not covered
- ✗ Not permanently inhabited: Some German insurers refuse holiday homes
- ✗ Commercial rental: >26 weeks/year or without personal use
Specialized Insurers
We work with insurers who specialize in holiday homes in Germany:
💡 Tips for Your Holiday Home in Germany
- ✓ Choose Dutch policy: Better all-risk coverage and service in your own language
- ✓ Consider Elementar: Especially in the Eifel/Moselle after recent flooding
- ✓ Check within 4 weeks: After purchasing you can switch from German policy
- ✓ Install smoke detectors: Mandatory in Germany, necessary for full coverage
- ✓ Current reconstruction value: Construction costs in Germany are also rising
- ✓ Declare tax: Box 3 NL + Einkommensteuer Germany (tax treaty)
- ✓ Report rental: Check Mehrwertsteuer (7% or 19%) and municipal rules
- ✓ Draining pipes: Prevent frost damage during winter vacancy
📋 Tax Holiday home Germany
As a Dutch person with a second home in Germany:
- → Tax treaty: Preventing double taxation NL-DE
- → Box 3 Netherlands: Declare, no tax (exemption)
- → Einkommandsteuer: Income tax in Germany (often not too bad)
- → Transfer tax: 3.5% - 6.5% depending on state
- → Rental Mehrwertsteuer: 7% short-term, 19% to tour operator
Tip: Consult a tax advisor for your specific situation.
✈️ Extra Coverage: Return & Keys
Our holiday home insurance offers useful extras:
- ✓ Return coverage: Travel and accommodation expenses will be reimbursed in the event of an emergency at your home
- ✓ Accommodation costs: If the home is uninhabitable upon arrival
- ✓ Lost keys: Costs for replacement locks will be reimbursed
- ✓ Emergency facilities: Temporary repairs to prevent worse
- ✓ Clearance costs: After fire or major damage
