Secure your home optimally
Comprehensive protection for your home: Discover the tailor-made buildings insurance from nextsure – digital, transparent, and powerful. Protect your most valuable asset against all major risks.
Elementary protection included
Digital Completion
Top value for money
Why building insurance is indispensable
Protection from existential risks
Maintaining the Value of Your Property
Financial Security in Case of Damage
Often a prerequisite for financing
What damages does the residential building insurance cover?
The residential building insurance from nextsure offers comprehensive protection for your home against a variety of risks. The core services include protection against fire damage, caused by fire, lightning, explosion, or implosion. Additionally, damage from water supply systems is covered, such as burst pipes or defective washing machine connections. Another important component is protection against storm and hail damage, which applies from wind force 8. Furthermore, you can individually extend your cover. Optionally, natural disasters such as flooding, backwater, earthquakes, subsidence, landslides, snow pressure, and avalanches can be included. This addition is essential in high-risk areas. Typically insured are the building itself, fixed components like fitted kitchens or heating systems, as well as outbuildings and garages, if agreed in the contract. Pay attention to the scope of coverage and the agreed insurance sums to be optimally protected in case of damage and avoid underinsurance. nextsure helps you find the right tariff for your needs.
Our Services
Home insurance from nextsure: Your shield of protection
Fire protection
Protection against fire, lightning, explosion.
Tap water
Protection against pipe burst and water leakage.
Storm & Hail
Safety during natural events from wind force 8.
Basic protection
Optional against flooding, earthquakes, heavy rain.
Gross negligence
Supplementary insurance for peace of mind.
Photovoltaics
Optimal protection for your solar system can be integrated.
Online Degree
Insure quickly, easily, and digitally.
Expert Consultation
Individual tariffs, expertly and transparently explained.
Claims Service
Straightforward help when you need us.
Comprehensive, flexible, and digital – for your secure home.
Your Home, Your Wealth
Protect yourself optimally now!
Natural Hazards: The Important Additional Component for Comprehensive Protection
Natural disasters are increasing – elemental damages such as floods caused by heavy rain, high water, backwater, earthquakes, soil subsidence, landslides, snow pressure, or avalanches can have devastating financial consequences for homeowners. Traditional home insurance often does not cover these risks as standard. Therefore, the additional module of elemental damage insurance is an indispensable component for comprehensive protection of your home. Especially in times of climate change, the relevance of this coverage is growing. Assess the risk situation of your property – even if you do not live in a designated risk area, heavy rain can cause floods anywhere. nextsure analyzes your individual risk together with you and provides transparent advice on whether and to what extent elemental damage insurance is sensible for your home insurance. Protect your property from the financial consequences of extreme weather events and ensure comprehensive coverage.
What does a residential building insurance cost? Factors influencing the premium
The cost of a home insurance policy depends on various factors and can therefore vary significantly for each individual. A key influence is the construction type of your house (e.g., solid construction, half-timbered, wooden structure) and the roofing material. The age of the building and the condition of the installations (electricity, water pipes) also play a role. The living area and the location (risk zone for natural hazards, regional tariff zones) are also price-determining factors. The higher the statistical risk of damage in your region (e.g., due to frequent storms or burglaries), the higher the premium can be. Additional factors include the desired level of coverage (e.g., inclusion of natural hazards, gross negligence, photovoltaic systems) and the amount of the deductible. A higher deductible can reduce the premium but means higher costs in the event of a claim. nextsure offers you a transparent tariff calculator and personalised advice to determine the optimal home insurance policy to suit your budget and needs.
Avoid underinsurance: How to determine the right insurance amount
Underinsurance occurs when the agreed insurance sum is lower than the actual value of your building at the time of the damage. This can lead to significant financial disadvantages in the event of a claim, as the insurer will only reduce the payout proportionally – even in the case of partial damage. To avoid underinsurance, the correct determination of the insurance sum is crucial. The most common method is the calculation based on the value of 1914. This notional calculation value is multiplied annually by the current building price index to determine today's reconstruction value of the building. Alternatively, a building surveyor’s report can be used, or a floor space model calculation can be carried out. Many insurers offer a waiver of underinsurance if the insurance sum has been correctly determined according to their specifications. This gives you additional security. Make sure to report any structural changes, modernisations, or extensions promptly to your insurer so that the insurance sum can be adjusted. nextsure supports you in the correct determination of value.
Gross negligence: When does the insurance still pay out?
Gross negligence occurs when the care required in traffic is violated in an especially severe way – in other words, when something that should have been obvious to everyone was not observed. Examples of this include an unattended burning candle causing a fire, or a window left ajar on the ground floor during a long absence, which facilitates a burglary with water damage due to heavy rain. In the past, insurers could significantly reduce benefits or even completely refuse them for damages caused by gross negligence. However, modern residential building insurance, like that from nextsure, often provides co-insurance coverage for gross negligence up to a certain amount or even up to the full sum insured. This inclusion is an important component of coverage as it offers you additional security in everyday life. When taking out your residential building insurance, pay explicit attention to whether and to what extent gross negligence is covered.
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Tailored
Plans to suit your needs
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Expert advice included
Home insurance for photovoltaic systems: What needs to be considered?
A photovoltaic system is a valuable investment and should therefore be comprehensively insured. In many cases, the photovoltaic system can be included in the home insurance policy. This is often the most cost-effective option. However, it is crucial to explicitly register the system with the insurer and include it in the insurance cover. Pay attention to which risks are covered for the PV system. In addition to standard risks such as fire, storm, and hail, specific risks such as overvoltage damage (e.g., due to lightning), animal bites (e.g., marten damage to cables), or theft of the modules should also be considered. Sometimes an all-risks cover for the photovoltaic system is also advisable, which covers operational errors or clumsiness. Also check if loss of earnings is insured, in case the system no longer produces electricity due to insured damage. nextsure is happy to advise you on how to optimally integrate your photovoltaic system into your home insurance.
Damage to the house: How should I behave correctly in the event of damage?
Damage to your home is always a stressful situation. To ensure a quick and smooth settlement by your home insurance, the correct behaviour in the event of a claim is crucial. 1. Limit the damage: Take immediate measures to keep the damage as minimal as possible (e.g., turn off the main water valve in case of a burst pipe). Do not put yourself in danger. 2. Document the damage: Take detailed photographs or videos of the damage before making any changes. Record the date and circumstances. 3. Report the damage immediately: Inform nextsure as soon as possible. Have your contract number ready. 4. Wait for instructions: Begin major repairs only after consulting with the insurer. 5. Collect evidence: Keep damaged parts and gather all relevant receipts. nextsure is at your side as a partner in the event of a claim.
Switching Home Insurance: Tips for a Smooth Transition
Switching your home insurance can be worthwhile to benefit from better services or lower premiums. To ensure a smooth transition without losing coverage, you should pay attention to several important points. 1. Check cancellation deadlines: You can typically cancel your policy three months before the end of the insurance year. There is a right to special termination, for example, after a claim or if the premium increases. 2. Secure a new contract BEFORE cancellation: Look for a new provider in good time. Finalise the new contract before cancelling the old one to avoid a coverage gap. 3. Conduct a comparison of services: Don't just focus on the price; compare the insurance terms in detail. 4. Provide accurate information: When applying for a new policy, provide all required information truthfully and completely. nextsure is happy to assist you with switching your home insurance.
Is home building insurance mandatory?
In addition to the basic services of a residential building insurance, there are numerous additional services and clauses that can individually extend and optimise insurance cover. It is important to carefully examine these and tailor them to your personal needs. Important additional services can include: Additional costs due to official requirements, clearance and demolition costs, movement and protection costs, disposal pipes on and off the property, overvoltage damage caused by lightning, as well as graffiti damage. Important clauses include the waiver of objection due to gross negligence, the new-for-old compensation which ensures that in the event of a total loss, the costs for a new build are reimbursed, and the waiver of underinsurance. nextsure helps you to embed the additional services and clauses relevant to you into your residential building insurance for tailored protection.
