Optimally insure your efficient house
Comprehensively secure your KfW Efficiency House construction project. Discover tailored insurance solutions for energy-efficient building and benefit from digital services.
Protection for energy-efficient construction
Tailored tariffs
Digital Contract Management
KfW Efficiency House Insurance: Definition and Necessity
Specific protection for KfW standards
Protection against typical construction risks
Basis for Funding Requirements
Investment Security for Your Dream House
The key risks in constructing a KfW efficiency house
Building a KfW-Effizienzhaus is an investment in the future, but it carries specific risks. Higher technical requirements, innovative building materials, and complex construction processes can lead to unforeseen challenges. These include theft of high-quality components, vandalism on the construction site, damage from extreme weather events such as storms or heavy rainfall, as well as construction defects or planning errors that only become apparent during the building phase. Without adequate insurance coverage, such events can quickly lead to significant financial burdens, construction delays, or in the worst case, the failure of the entire project. A specialised KfW-Effizienzhaus insurance addresses exactly these dangers and protects builders from the financial consequences that can arise from damage to the building structure, building materials, or third-party liability claims. It is therefore an indispensable component for financial security and the successful completion of your energy-efficient construction project.
YOUR PROTECTION FOR ENERGY-EFFICIENT BUILDING
Tailored security for your KfW Efficiency House
KfW-Standard
Insurance coverage compliant with KfW requirements.
Construction risks
Comprehensive coverage against common risks.
Basic protection
Optional protection against natural disasters.
Construction Liability Insurance
Protection against claims from third parties.
Digital Policy
Easily manage your contract documents online.
Quick completion
Get insured online in just a few steps.
Expert Assistance
Expert advice for optimal coverage.
Claims Service
Efficient and straightforward claims handling.
Tariff options
Flexible modules for personalised protection.
Discover our specialised insurance solutions precisely tailored to the needs of builders of KfW Efficiency Houses.
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Scope of coverage: What does the KfW Efficiency House Insurance cover?
A comprehensive KfW Efficiency House insurance provides protection against a multitude of risks that can threaten your construction project. Core benefits typically include the builder's risk insurance, which covers damage to the shell and already installed materials due to unforeseen events such as storms, hail, flooding, vandalism, theft of permanently installed parts, or construction and material defects. Often included as well is a builder’s liability insurance, protecting you against legal liability claims from third parties if they come to harm on your construction site. It is important that the insurance coverage is specifically tailored to the requirements and standards of KfW Efficiency Houses, such as securing specific energy-efficient components. Pay attention to details like including coverage for damage due to civil unrest or unknown characteristics of the building plot. A good plan also considers additional costs due to regulatory restoration restrictions and ideally provides protection for all persons and trades involved in the construction.
Meaningful additional components for optimal protection of your efficiency house
To individually optimise the insurance coverage for your KfW Efficiency House, there are various additional components available. A fire shell insurance is often already included free of charge in the construction performance insurance or can be taken out as a separate component; it covers damage caused by fire, lightning strikes, or explosions during the construction phase and is often a prerequisite for the disbursement of construction loans. A glass breakage insurance for the construction period can also be worthwhile, especially for large window areas. For builders who perform their own work, an accident insurance for construction assistants is essential to protect private helpers from accidents on the construction site. For construction projects in flood-prone areas, it is also critical to explicitly check and include elemental damage beyond the standard cover (e.g., extended natural hazards insurance). Analyse your specific construction project and local conditions to expand protection as needed and close risk gaps.
Requirements and proof of insurance coverage
To take out a KfW Efficiency House insurance and maintain the insurance cover, certain requirements must be met and evidence provided. Fundamentally, proof that it is indeed the construction of a KfW Efficiency House is required. This is typically achieved by submitting the application documents for KfW funding or by confirmation from an energy efficiency expert. Insurers may also require detailed construction plans, a building description, the site plan of the property, as well as information regarding the planned construction cost and duration. During the construction phase, it is important to comply with all safety regulations and properly secure the construction site to avoid jeopardizing the insurance cover. This includes securing against theft and vandalism, as well as complying with fire safety regulations. In the event of damage, you must report the damage immediately and provide all necessary information and evidence to ensure a smooth settlement. The exact requirements may vary depending on the insurer, so a careful review of the contract terms is essential.
Costs and factors of contribution design explained transparently
The cost of a KfW Efficiency House insurance, often offered as a combined construction and liability insurance for builders, depends on various factors. A key aspect is the planned construction sum: The higher the construction costs of the efficiency house, the higher the insurance premium usually is, as the insured risk increases. The chosen coverage amount in the liability insurance also plays a role. Other influencing factors include the construction period (longer construction times can increase risk), the location of the construction project (risk zones for natural hazards), the extent of personal contributions, and the chosen additional modules. The deductible in the event of a claim also affects the premium amount – a higher deductible usually leads to lower contributions. Some insurers positively consider the achieved KfW Efficiency House standard in the premium design, as energy-efficient construction methods are often associated with higher quality materials and more careful planning. To obtain a suitable offer, a detailed comparison of different rates and an accurate disclosure of all relevant data is essential.
Tailored
Rates specifically for energy-efficient houses
Voll-Digital
Closure and management online
Expert knowledge
Comprehensive consultation included
In the event of damage: Step-by-step guide to claims processing
If an insured loss occurs during the construction of your KfW Efficiency House, quick and correct actions are crucial for swift settlement. Step 1: Secure the damage site to prevent further damage and ensure safety. Take immediate measures, but do not alter the damage site more than absolutely necessary before the insurer or an assessor can inspect it. Step 2: Document the damage comprehensively. Take photos or videos from different perspectives and create a detailed list of the damaged components and materials. Step 3: Report the damage to your insurer without delay. Most providers offer hotlines or digital reporting portals for this purpose. Have your contract number ready. Describe the incident with precision. Step 4: Follow the insurer's instructions. They will inform you of what further documents are required (e.g., repair estimates, invoices) and whether an expert will be sent for an assessment. Step 5: Always coordinate repair measures with the insurer before placing orders, unless they are emergency measures to mitigate damage. Transparent communication and cooperation significantly accelerate the settlement process.
KfW Efficiency House Insurance vs. traditional construction insurances
While traditional construction insurances like the Builders Risk Insurance and Construction Liability Insurance provide basic protection for most building projects, the specialised KfW Efficiency House Insurance addresses the unique requirements and risks of energy-efficient buildings. The main difference often lies in the details of the coverage extent and the consideration of specific components. KfW Efficiency Houses feature high-quality and often expensive energy systems (e.g. heat pumps, ventilation systems with heat recovery, photovoltaic systems under construction) which may not be sufficiently covered by standard policies. A specialised insurance ensures that these elements are adequately insured. Additionally, the requirements of KfW funding might imply certain insurance aspects that are better addressed in a tailored policy. Premium calculation in specialised insurance can also consider the potentially higher building quality and lower damage susceptibility of efficiency houses. Therefore, it is advisable to focus not only on the price but above all on the details of the coverage and the suitability for your specific KfW project.
Long-term benefits: Value preservation and sustainability through protection
Choosing a KfW efficient house insurance not only provides immediate protection during the critical construction phase, but also contributes to maintaining the value and sustainability of your property in the long term. By insuring against construction damage and defects, it ensures that your efficient house meets the high quality standards required for energy efficiency and longevity from the outset. A flawless and correctly constructed building is the foundation for low energy costs and a high resale value in the future. The insurance protects your significant financial investments and prevents unforeseen events from jeopardising the quality or completion of your sustainable construction project. Furthermore, comprehensive coverage also signals solidity and diligence to potential buyers or tenants. By minimising risks that could affect the energy standard of your house, you actively contribute to maintaining its value and securing the long-term benefits of your investment in energy-efficient living.
Is the KfW Efficiency House Insurance a mandatory insurance?
Selecting the right KfW Efficiency House insurance requires careful consideration and a comparison of various offers. Start by accurately assessing your individual needs: What construction sum needs to be insured? What specific risks exist with your construction project and location? What in-house contributions are planned? When comparing tariffs, pay attention not only to the price but particularly to the scope of coverage. Are all relevant components of your efficiency house, including special energy technology, adequately covered? What are the insurance sums for construction performance and liability insurance? Check the terms regarding deductibles and exclusions. Find out about the insurer's experience with KfW Efficiency Houses. Digital providers like nextsure often offer a quick and transparent comparison as well as an uncomplicated online conclusion. Use comparison calculators, read customer reviews, and seek expert advice if necessary to ensure that your policy is optimally tailored to the requirements of your energy-efficient construction project and that you are best protected throughout the entire construction period and beyond.
