German Property Insurance

Andrew Copeland International has been providing property insurance in Germany for over 35 years. In that time we have developed our property insurance to protect your building and the contents against all of the issues you would expect and many more that may not immediately come to mind.

Every country in Europe has its own tax regime, and Germany is no different. All of our overseas property insurance quotes include all property taxes, which we pay on your behalf, so this is something you don’t have to worry about.

The German property insurance we provide has been designed to take into account the nature of property ownership in Germany and the differing ways in which those properties are used and occupied.

Whether the German property to be insured is your main residence, your ideal holiday home or a second home, our policy will cover the building and/or contents against all of the major risks and issues you would expect. It also allows you to sub-let to tenants without losing any of your cover, but our protection goes further, should a major claim occur your property will be insured against the loss of rental income. Should you need to cancel any pre booked holidays we will reimburse you for the lost income.

Public liability insurance is already included as is accidental injury insurance for any domestic staff you might employ, to clean the property between holiday renters for instance. Another valuable inclusion in our German property insurance is emergency travel cover. In the unfortunate event of a large insurance claim at the property that needs your personal attention, your property insurance will pay for two return air tickets and if you are not able to stay in the property, will also cover accommodation costs.

If this is the first time you are insuring a property in Germany or you are buying your property with a mortgage arranged with a German lender, you may feel that the lender or even the mortgage broker is almost insisting that you buy your property insurance from them or a company they recommend. As in the UK you are free to choose any property insurer you wish, and it is prudent to look closely at what is included in the property insurance being offered. 

We are confident that we have designed an insurance package that meets your needs. We have kept our premiums low whilst still offering a complete and comprehensive German property insurance plan. However, should there be a concern or issue that is particular to your property or circumstances, we can give expert opinion on those aspects and advise on a solution that ensures you have the property insurance in place that satisfies all of your general and specific requirements.