It all depends on the zip code: home insurance may vary depending on the residence twice cost Berlin, 03 May 2010 which is home insurance according to the figures of the General Association of German Insurance Association (GDV) the most popular police of Germany’s three out of four households in Germany have insured their furniture. How much they pay for this differs greatly from place to place. In principle applies: the greater the potential risks at the place of residence, the more expensive the insurance. Thus, the same furniture in Munich can be insured much cheaper than, for example, in Cologne. In addition, the basis of calculation of the insurer are not uniform, resulting in large price differences between individual offers.
The most important aspect for the calculation of insurance premiums is the so-called tariff zone”, explains insurance expert Thorsten Bohg by the independent consumer portal toptarif.de. Thus the insurers divide Germany into four to six risk areas. In the calculation, official flow Statistics, but your own experience of the insurer with a.” So, for example, the regional differences amount to more than 100 percent in the household insurance in the HUK-Coburg depending on zip code. Basis for the calculation is the Division of national territory in six zones mainly according to the risk of burglary. So the classic home insurance costs”in Frankfurt am Main (Travelcard zone 6) 2.10 Euro 1,000 euros each insured sum, in the nearby Niederneisen (Travelcard zone 1) at equal performance only 0,99 Euro. Map: prices of household insurance in Germany Germany’s largest direct insurer CosmosDirekt attracts also fire, storm risks, and the risk of bike theft in addition to the burglary statistics to determine of the individual contribution. The overall statistics comprises all relevant hazards and divides the country into four fare zones. Here the comfort protection in the lowest zone, for example in Freital, about 67 euros a year for an apartment of 80 square meters, will cost during the insured person in Cologne more than 201 must pay.