Your Chalet in Austria Well Insured
Austria is it Alpine country for a second home. From the legendary ski areas Tyrol to the romantic lakes of Carinthia, of the music city Salzburg to the snowy peaks of Vorarlberg: Austria offers all year round Gemütlichkeit in your own chalet.
A Dutch holiday home insurance offers crucial benefits for your Austrian home: all-risk coverage including avalanche and snow pressure, Dutch service without language barrier and simple claims handling. Mountain areas have specific risks that must be covered.
Austria is popular with winter sports enthusiasts, but also in summer hikers and nature lovers flock to the Alps. Your chalet is a valuable investment all year round that deserves good protection.
Where is your chalet located?
Tyrol
The winter sports heart of Austria. Legendary ski areas, après-ski and spectacular mountain peaks.
Salzburgerland
Mozart, mountains and lakes. From skiing in Saalbach to relaxing at Lake Wolfgangsee.
Carinthia
The lake country of Austria. Warm summers at Lake Wörthersee and winter sports at the Grossglockner.
🏔️ More Regions in Austria
- 🎿 Vorarlberg: Lech, Zürs, Kleinwalsertal — exclusive ski areas
- 🏔️ Styria: Schladming, Dachstein — green hills and mountains
- 🏞️ Upper Austria: Salzkammergut, Hallstatt — UNESCO heritage
- 🍷 Burgenland: Neusiedler See, vineyards — sunny and mild
- 🏛️ Vienna & surroundings: Culture and city apartments
What is insured?
Fire & Explosion
Damage due to fire, explosion, lightning strike and soot deposits.
Avalanche & Snow Pressure
Damage from avalanches and snow pressure on the roof. Essential in mountain areas!
Water damage
Leakage, pipe breakage, melt water and freezing damage.
Storm & Hail
Damage from storms, hail and precipitation. Mountain weather can be fierce.
Burglary & Theft
Theft with signs of forced entry and vandalism by third parties.
liability
Homeownership and damage to third parties up to €500,000.
🏔️ Alpine Risks: Avalanche, Snow Pressure & More
Austria is a mountain country with specific risks that are insured with us as standard:
- ❄️ Avalanche damage: Damage to your home due to avalanches is covered
- 🏔️ Snow pressure: Roof damage due to heavy snow loads is also insured
- 💧 Meltwater: Damage from melting snow and ice
- 🌊 Floods: After heavy rainfall or meltwater
- 🪨 Landslides: Mudslides after precipitation
- ⚡ Lightning: Mountain peaks attract thunder
💡 These basic risks are essential in mountain areas. Always check your coverage!
❄️ Winter-ready: Frost measures Necessary
Austrian winters are cold, especially in the mountains. When vacancy, frost measures are mandatory:
- ❄️ Draining pipes: Prevent frozen and burst pipes
- 🌡️ Keep heating on: At least 10°C to prevent frost
- 🚿 Open taps: Prevent pressure build-up in pipes
- 👀 Check regularly: Have neighbors/manager check regularly
- 🏔️ Clearing snow: Avoid overloading the roof
NB: Freezing damage due to negligence is not covered. Take frost measures!
🇳🇱 vs 🇦🇹 Dutch or Austrian Insurance?
🇳🇱 Dutch Policy
- ✓ All-risk coverage possible
- ✓ Avalanche/snow pressure also insured
- ✓ Dutch service, no language barrier
- ✓ Vacancy covered as standard
- ✓ Rental also insured
- ✓ Return cover (travel costs)
🇦🇹 Austrian Policy
- → Ferienhausversicherung locally
- → Communication German
- → Gebäude- + Hausratversicherung separately
- → Elementar damage often separate
- → Insurance not required by law
- → Insurance tax 11.6%
💡 Dutch policy: one point of contact, own language, avalanche included as standard.
🔑 Rental: Winter sports enthusiasts & summer guests
Do you rent your chalet to holiday guests? With our insurance you are covered:
- ✓ Rental up to 26 weeks/year: To family, friends or holiday guests
- ✓ Winter sports: Rentals to skiers and snowboarders covered
- ✓ Platforms: Airbnb, Booking.com also insured
- ✓ Guest liability: Damage to guests covered up to €500,000
- ⚠️ Own use: Rental only in combination with personal use
- ⚠️ Registration: Register in the Grundbuch as a holiday home (Ferienwohnung)
⭐ 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, water damage, glass breakage
- ✓ All risk: + All unforeseen external damage
- ✓ Elementary: Avalanche, snow pressure, landslide included in the insurance
🏡 Typical Austrian Homes
What type of home do you have in Austria? All types are insurable:
- 🏔️ Alpine chalet: Traditional wooden chalet with gable roof
- 🏠 Ferienhaus: Detached holiday home in the mountains
- 🏢 Ferienwohnung: Apartment in holiday complex
- ⛷️ Ski apartment: On the slopes or in a ski village
- 🏊 Lake house: On Lake Wörthersee or other lakes
NB: EU citizens are allowed to freely buy real estate. Register as a Ferienwohnsitz in the Grundbuch.
💰 Premium indication Chalet Austria
| Type of property | Reconstruction value | Premium/month |
|---|---|---|
| Ski village apartment | €100,000 - €200,000 | €18 - €32 |
| Chalet Tyrol/Salzburg | €200,000 - €400,000 | €28 - €50 |
| Holiday home Carinthia | €150,000 - €300,000 | €22 - €42 |
| Luxury chalet mountains | €400,000+ | €45 - €75 |
| Insure household contents | €15,000 - €50,000 | +€8 - €18 |
* Homes in high altitude ski areas may be slightly more expensive (avalanche risk). All-risk is approximately 20% more expensive than basic coverage.
⚠️ Not Covered / Exclusions
- ✗ Permanent residence: Only as a second home (not main residence)
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Vandalism by tenant: Damage by tenants themselves
- ✗ Commercial rental: More than 26 weeks/year without personal use
- ✗ Freezing negligence: No frost measures taken
- ✗ Snow pressure negligence: Roof not regularly cleared of snow
💡 Tips for Your Chalet in Austria
- ✓ Check avalanche coverage: Essential in mountain areas above 1500m
- ✓ Frost measures: Drain pipes or turn on heating in winter
- ✓ Clearing snow: Prevent roof overload during heavy snowfall
- ✓ Neighbors/manager: Have it checked regularly if it is vacant
- ✓ Grundbuch registration: Register as Ferienwohnsitz
- ✓ Current reconstruction value: Construction costs in Austria are rising
✈️ Extra Coverage
- ✓ Return coverage: Travel and accommodation costs will be reimbursed in the event of an emergency
- ✓ Accommodation costs: If the home is uninhabitable upon arrival
- ✓ Lost keys: Costs for replacement locks will be reimbursed
- ✓ Art objects: Up to €5,000 co-insured
- ✓ Garden construction: Up to €10,000 covered
