Household insurance: Comparison makes the difference

 

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Household insurance: Comparison makes the difference

By a household insurance comparison, the consumer can save a lot of money. This is the result of a household contents insurance test – this time by the German Institute for Service Quality (DISQ). Other studies also show how different contributions and benefits can be in home contents insurance.
 
 
Hausratversicherung Vergleich lohnt sich
 
With the home contents insurance comparison, the budget cheap insure

A household insurance comparison is always useful. If you own a too old or too expensive household insurance policy, you can get better benefits or at least cheaper contributions with a new tariff. The current test of the DISQ examines 11 service insurers for household effects on their services and the price. He comes to the conclusion that a very good insurance is not to receive low contributions. Good performance costs, but solid performance is quite affordable. Such a first conclusion that draws the comparison. For all those who want to protect their household items at least financially from theft or damage, there is no way around a good home contents insurance by.

Household insurance comparison: How well insure the provider?

Basic insurance and underinsurance protection can be offered by most insurers. That represents the DISQ could be stated in its home contents insurance comparison. In the household insurance insurance test was also positive that more and more providers insure damage after gross negligence. Roughly negligent is, for example, who hires the washing machine and leaves the apartment for several hours. When offering special services, however, the air is already thinner. For example, the theft protection for the bicycle is usually limited. Often it is only insured as long as the bike is in its own basement or bike shed.

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Who are the test winners in household insurance Comparison of the DISQ?

The current household contents insurance comparison of the DISQ examines both the insurance benefits and the equipment as well as the amount of insurance premiums. Both test categories are offset against each other and thus the test winners are determined. HUK-Coburg ranks first with its basic tariff, after having also landed among the top three insurers in the individual surveys. The prices of the HUK Coburg were in three out of four model cases strikingly cheap, the testers. In second place, Interlloyd ranks with the Eurosecure Plus tariff. It is followed by Bruderhilfe with the base rate.

Home contents insurance comparison: Other tests – other test winners

However, another recent analysis of the Ökotest (April 2014 issue) identifies quite different top providers. In this household insurance comparison, Maxball, the East Anglers Brand Guild and InterRisk are the test winners. Overall, Ökotest is very satisfied with the household insurers and does not award any deficient grades. Behind six test winners, 23 fares rank second.

When the washing machine licks …

The household insurance jumps in when household items are damaged by tap water, hail, fire or burglary. According to current statistics, burglaries are increasing again, and the leaking washing machine can quickly submerge the whole apartment. New furniture and electrical appliances can cost thousands of euros. A good and cheap home insurance is already available for ten euros a month.