A household insurance is useful. Who is looking for a contract, but must look carefully. Because with the right plan, any amount you can to save money.

Berlin (dpa/tmn) - Who is looking for a home insurance, you should compare the prices well. Because the premium differences can be enormous, as a Test of Stiftung Warentest shows. The experts took for the magazine "financial test" (issue 7/2020) 157 rates of 61 providers under the magnifying glass. A result of Expensive contracts that cost twice and three times as much as cheap.

the rates for a model case of a 100 square meters of housing were Compared. The Rates on Household goods in case of damage by fire, lightning, Explosion or Implosion, burglary, theft, storm and hail, tap water, and the Surge was insured. Even a simple Bicycle theft was included.

prices for two locations: Munich, were Compared with a low risk of a Burglary, and thus cheaper Rates and Frankfurt am Main with a higher risk of a Burglary, and thus higher premiums. In Munich, the cheapest offer was including protection against natural hazards at 68 euros per year, in Frankfurt, at 108 euros per year. Expensive fares cost almost three Times as much.

Who has his contract already for a long time, you should also check the terms and conditions. Like riding a Bicycle: In many policies, bicycles are covered. Some older contracts may, however, contain a so-called night clause. The protection does not apply if the bike is stolen between 22.00 and 6.00 and it was at this time in use.

it is also Important that the insurance contract contains a clause for a waiver of the objection of gross negligence. In these cases, the insurance company pays, except in cases of intent - in each case.

Test of the Stiftung Warentest (partly subject to charge)