Insurance is a matter of trust
1. Animal owners liability insurance
Damage and injury caused by a dog or horse is considered "strict liability" which means that unless you can prove that your animal was not at fault, you will be held liable for damages. For such claims, you should have an animal owner's liability insurance policy or you will not be insured for the resulting costs.
Damage/injury caused by other pets, such as cats, rabbits and parrots, is included under the personal, liability insurance.
2. Oil tank leekage liability insurance
If you have an oil tank (e.g. for central heating), then it is imperative that you have a liability policy specifically for oil tank leakage. The costs involved when an oil tank leaks are high and the German authorities follow strict guidelines to reduce the risk of environmental pollution which becomes a significant risk. As the tank's owner, you will be held liable for all the resulting costs and damages. (The damage to the oil tank itself is excluded.)
3. Annual premium
The annual premium for the basic tariff is: For the single tariff € 55,98, for the “family” tariff € 73,85. You can reduce the premium by installing a deductible.
Please get back to us for your individual premium for the additions to the coverage. For a detailed description of the free additional coverages which are included in the household goods insurance policy currently recommended by Hoesch & Partners see current tariff description.