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The premium varies from €200 to €2,500 per year, depending on reconstruction value, location, construction type and coverage. An average office building with a reconstruction value of €500,000 costs approximately €350-€600 per year.

No, home insurance is not legally required. However, if there is a mortgage on your office building, the mortgage provider almost always requires building insurance. The property serves as collateral for the loan.

Yes, solar panels are included as standard with most insurers. They do increase the rebuilding value of your property. Invisible hail damage is often covered if the yield loss is more than 25%.

As a tenant you do not have to take out building insurance - the landlord does that. However, you are responsible for any adjustments you make. You insure this through a tenant interest insurance.

Yes, but please note: your private home insurance does not cover business use. If your office space is depreciated for business purposes, you will need separate commercial buildings insurance for that part.

The reconstruction value is the amount to completely rebuild your property (excluding land). This is the basis for your insurance. The insured amount is indexed annually to the construction cost index.

Yes, lifts and other fixed installations (central heating, air conditioning, alarm system) are insured as standard as part of the building. They do increase the rebuilding value.

With many insurers you can be insured the same day with provisional coverage. After acceptance you will receive the final policy. We ensure that your request is processed quickly.