Building insurance are compulsory for all homeowners finally the dream of owning a home come true. Long planning and high investments were needed in order to realize his own four walls. But what many like to miss is also to insure them. In addition to the usual risk hedges, building insurance is the most important insurance for owners of real estate. But why is it so important? What protects them? And what is this insurance? The insured risks as the name implies, all the risks are hedged by the building’s insurance, which can have an effect on the building.

These risks are generally referred to as can be elemental damage, i.e. damage caused by the elements of nature. Storm, hail, flood, lightning, avalanches or even earthquakes can insure themselves in the individual, or as a combination. Good building insurance include damages that do not arise as elemental damage. These include in particular tap water and fire. The finding appropriate insurance, a property insurance recommends comparison. Not all insurers offer protection for each risk.

Here large regional differences depending on the place of residence are visible. The building insurance comparison is worth especially in the sector of insurance companies is very high. However, each company offers a different portfolio. Here to make the right choice, it is not self-evident. As a first step to the right insurance a risk analysis should be made together with a professional. What dangers can affect the building and might not risk as a result of regional circumstances? To answer these questions is very important. Of course, coastal buildings require no protection against avalanches or landslides. However, the storm risk is higher. Is about the dangers in the clear, it is building insurance to get the correct rate comparison in one. It is often a combination of several safeguards in the offer. This is usually aimed at some key data out, like for example the regional site, type of roof, age of the building and the design class. The right choice is so very important to insure its property against the possible risks. The insurance sum is always up-to-date by the modification by means of the sliding value factor. A building insurance comparison is worthwhile, can the best at an affordable price are chosen by good knowledge of offered products. The website informs interested parties all of these themes. L. Meier

The history of insurance began many centuries ago, what has changed? Who today looks back in the history of insurance companies quickly recognizes that the industry by some first clumsy steps has become an important branch of the economy. Compared to earlier policyholders have the opportunity to compare their insurance policies online and find the best rates today. But 2,000 years ago, the insurance conditions were completely different. The history of the insurance industry goes back far into antiquity. Already in ancient Greece (700 BC), numerous death funds were established. Members could insure against accidents, illness and life. Should die of the insured in the course of time, the members received an insured sum, handshake or prior agreement has been made.

While most policyholders have benefited from the contributions of all those involved. In ancient Rome, many of these funds were established and founded over and over again. That this Associations had to be established over and over again, was first and foremost on the missing financial and mathematical foundations. In the 20th century, insurance companies can operate complex statistics and probability. Please visit Wells Fargo Bank if you seek more information. Policyholders benefit in particular from the exact contributions, which are oriented towards the likelihood of an insured event. This information laid down in ancient flat rate.

Who wanted to become a member, had to pay a fee, and could remain a member of the association with a monthly contribution. But since you could estimate the risk is difficult in this time and again occurred in the large cities of Greece the raids and looting, many people abandoned this insurance. This was mainly because that most insurers could guarantee no performance to their customers in larger insurance cases. Just wars and looting, when several members killed were a safeguard of members was not always guaranteed. In the course of the following years conditions have changed significantly. Policyholders have the opportunity better to survey their contributions through greater transparency. No wonder, then, that there are still many insurers who offer their customers tailored tariffs. This spreadsheet covers not only the life insurance but also the insurance or accident insurance. Life insurance could continue later, continue to evolve in the 19th century. Numerous insurance companies were founded in the early 19th century. They used the latest findings from statistics and stochastics and could guarantee the performance of their customers. Thus, the life insurance for broader strata of the population became more attractive. Policyholders benefited primarily from the different services of risk life insurance and life insurance. Today, financial performance is determined by insurance companies with help from rating agencies. These agencies assess the capacity on a regular basis individual insurers. Insurance companies, which always back positive cut off in these tests, benefit from better reviews. For consumers, the results are always good predictors when it comes to determine the performance of individual insurers. In summary, it can be said so policyholders have a significantly better and more transparent overview of the insurer as it was 2,000 years ago. By the mathematical foundations, policyholders are significantly more secure than even in the Greek and Roman antiquity.

What the a just right, another is just not cheap! Everyone has you and “almost” everyone needs you – insurance. The topic of insurance is very unjustly treated by most people. Once completed, the police is inserted in the drawer, and again removed only in case of damage to determine that exactly this claim is of course not insured. And then it says: sh… Insurance! But who is really responsible for this dilemma? The representative, who no longer has the years look can be? The insurance, which sometimes could’ve sent something sensible instead of sending only advertising? The customer who worry more about made for years, whether his insurance even up to date are? But no, that would mean Yes at the same time, that you would have to put even more money the insurance in the throat, where Yes never want to pay.

So similar to most people – think unfortunately completely wrong! Would be only once the conditions of the insurance closer look at to understand also what you even have completed, you would know that the insurance in case of damage must also pay, if indeed it is a case of damage within the meaning of the terms and conditions! You can not ensure against everything – a typical set of Germans. But expect the opposite: so should pay the insurance of course with foolishness or forgetfulness, things you borrowed that and accidentally break made, for bullshit, which hired for animals that are already on the operating room table of the physician for a House, small children that already Burns for the court costs of ongoing termination – of course without, that you already have completed the appropriate insurance for it in advance, let alone because even willing to pay the cost exploded. So, the insurance system may not work easy! This insurance is not as extensive.

Who wants to make sure his house against storm, hail, and other damages should compare the offers with the new homeowner Insurance Calculator on durchblicker.at and thus save hundreds of euros. Vienna, July 13, 2012 many homeowners are currently massively affected by weather disasters. And an end to the vagaries of the weather is not. A home insurance is therefore an essential protection for every homeowner. In addition to the protection of the building, the grounds and the garden with regard to forces of nature, fire and water outlet and the protection of the contents of the apartment and a private liability protection in the home insurance are included in as part of a household insurance. The premiums compared to large price achievement gap on the market that have experts of the consumer portal durchblicker.at and found large differences in price and performance in a home insurance comparison. So for example the insurance for a single-family home in Salzburg with a living area of 240 m2 including basement and medium facilities costs” between 474,- and 828,-. This corresponds to a difference of 75%.

Differences in larger and/or higher quality houses or buildings with outdoor facilities such as swimming pools or solar systems are even bigger. In any Division the differences in product design and the rewards are as big as in the home insurance”, says Reinhold Babu and Michael Doberer from durchblicker.at. Through the clever selection of the right product and the comparison of the offers on the market homeowners can save easily several hundred euros a year, often with better coverage than in the existing contract. Everyone should constantly check therefore his contract. The savings through a cheaper home insurance financed loose. a phone for the kids or a broadband connection” New home insurance calculator launched since Friday today a new online calculator for home insurance is offered on durchblicker.at.

Currently, 9 tariffs of Austrian provider are shown in this home insurance calculator. Babu: Our interactive calculator for home insurance leads the consumer simply and intuitively by comparing home insurance. We query exactly the shape of the building, surfaces and facilities we make sure that a sufficient insurance cover is provided and all important covers are included. The home insurance comparison can be obtained under durchblicker.at/homeowner insurance. Tips for the home insurance the experts at durchblicker.at have put together some tips for home insurance. Pay attention to sufficient funds to restore value, so that the insurance sum at a major loss is sufficient. Natural disasters such as landslides, floods and earthquakes are insured by a homeowner insurance by default only with a small amount (E.g. EUR 4.000,-). Through an advanced natural disaster coverage, this cover some providers can not expand, but typically up to the value of the building. Already during the construction phase a carcass cover insurance, so that Building is protected from the outset and also property liability cover exists (example passer-by injured himself on the sidewalk in front of the House, own pit brings neighboring houses to slip off, etc.). Periodically check whether the cover is still up to date and watch for arrival and tags, as well as an improved equipment. Respect for older contracts: the coverage E.g. in the context of the liability are no longer up-to-date circumstances. Deductibles to help save premiums. Depending on the provider, this can be up to 30% savings on premiums at a home insurance. The contract on the buyer enters a sale of the House, if the contract is cancelled prior to the sale. Both the seller and the buyer should make sure.

What is it when a household insurance? With time, the furniture is always large. Easily lose the overview of the actually acquired value. Everyone wants to have it at home so beautifully and comfortably as possible. There should be already the expensive television the good seating and of course high quality floor. But what happens if the Aquarium is suddenly leaking and the water does great damage? Or in the worst case, even a fire occurs and the entire facility takes major damage. Then, good advice is expensive, anyway, if you are not insured. The test winner of home insurance in principle, not a single winner can be called.

Too different are the wishes of the customer, to the regional circumstances differ. The combination possibilities between insured sum, excess and the residential area decide in the test winner. However, direct insurance again surfaced in the comparison portals. It is the collective SY24-Platinum-S. The Syncro24 Assecuradeur is the specialist for household insurance direct. The value for money is unique with this insurer.

10 different tariffs are the customers the choice. With or without excess, with or without bicycle theft, always the interested customer gets exactly the tariff which suits him. But also the Ammerlander insurance that ideal insurance InterRisk or that are very good in this area and can offer attractive rates. What a home insurance? Taking off the roof of a building and it turns around, everything falls out, is the furniture. Everything, not directly to the building in physical form, is furniture. Who even leads in mind, what is due to him, if you pull into a completely empty flat, without any substance, which will quickly realize what he is everything furniture has risen over time. A small damage, for example the ruptured sink, the world looks still quite peacefully. However, after a total loss after a fire, flood or storm a new Very hard at the beginning. Well, if the damage insurance is covered. A high level of security can be built with only a small financial outlay. Not only for his own household. Damages that occur in the neighborhood, for example, in water damage, are covered by a good home insurance. For more information about home insurance, in L.