Buying a house: Financial planning, brokers, loans & Co.

The dream of owning your own home, living independently within your own four walls, being able to design everything yourself and furnish it according to your individual wishes. But with this wishful thinking it is far from being done, because there is much more to buying a house. There is a long way to the goal of being able to lean back, relax and enjoy life in your own garden. To make this as easy as possible, here are the best tips & tricks on what you should pay attention to when buying a house and what pitfalls you can avoid.

• Buy a house

House types in a list:

• Buy a house
• Farm
• Bungalow
• Semi-detached house
• Single-family house
• Half-timbered house
• Holiday home / weekend house
• Prefabricated house
• Wooden house
• Country house
• Massive house
• Apartment house
• Terraced house
• Beach house
• Villa
• Low-energy house
• Zero Energy House & Passive House

Farm: Prices, tax, estate agent & procedure for purchase

The decision to buy a farm is made by families as well as couples or singles in middle or older age, who want to change and appreciate the individual way of living in the middle of nature. We offer you farms in attractive rural locations.

Buying your own farm as a permanent residence or as a weekend home. You need to decide if you want to buy a property in need of renovation. These farms can often be purchased at very reasonable prices. Alternatively, there are properties that have already been refurbished by their previous owner and are in a modern and very good condition. These farms are usually ready to move into immediately. However, you have to expect a higher purchase price. This is especially true if the farm is in a very central location with a good infrastructure. What else there is to know about farms as real estate, you will learn in the following.

• Farm

Bungalow: no stairs, barrier-free & often access to the garden

A bungalow is above all practical and modern. Especially with young families, this type of house is very popular, because you can find all the rooms on one floor and this is a great advantage with children. In addition, a bungalow is extremely durable. You can move in as a young adult and stay in this house all your life. As a pensioner, the absence of stairs and the single storey are a great advantage. Choosing the right house is not easy. You invest a lot of money in the construction or purchase and it is a decision for life.

A bungalow is an ideal investment and investment in the future. This type of house is ideal for families, and perfect for a long life. Besides the special construction of a bungalow, it offers many other advantages. Choose your own design or a prefabricated house. Plan the floor plan, calculate prices and design your own modern home. In this article you will learn everything you need to know about this building type. From the definition to the financing.

• Bungalow

Semi-detached house: features, checklists & living with neighbours

The term semi-detached house refers to a residential unit, which usually extends over several floors and is approximately the size of a standard detached house. A semi-detached house offers two almost identical living units, each of which is roughly the same size as a detached house. Of course, this depends entirely on the type of single-family home. In principle, however, the aim of a semi-detached house is to provide space for a medium-sized residential group.

However, the difference between this and a detached house is that, as the name suggests, semi-detached houses, extend over half of a very large, long house. This saves land area and you still experience almost the luxury of your own house with a few restrictions, which we will go into more detail in the course of the article.

• Semi-detached house

Detached house: Small house for the whole family

What is a detached house? Under this term one imagines first of all a terraced house or a semi-detached house, which is correct, but does not explain the term sufficiently. The single-family house describes only that it is designed in principle for a family, the size, shape or location you can choose freely. Decide for a luxurious city villa or a down-to-earth bungalow. Build or buy and bring everything up to date and modern. In this article you will learn everything you need to know about this type of house.

• Single-family house

Half-timbered house: living with charm – purchase, costs & renovation

Everyone who grew up in Germany has seen them. But how exactly it is to live in such a house, you probably only know once you get the chance. However, the houses are not for everyone and require a lot of work. You can read about how the construction method influences the living atmosphere in the following.

The exposed wooden beams are also what make up the charm of the houses for many. So if you are thinking about rebuilding a half-timbered house, it is advisable not to plaster it, because that would destroy the characteristic for many. What exactly constitutes a half-timbered house and what there is to know when buying, selling or renovating a half-timbered house, you can find out here.

• Half-timbered house

Holiday home / weekend house: house by the lake, beach or sea, with terrace

Who does not wish to have their own house in their favourite holiday resort? And this dream is not far away. We’ll tell you how you can buy a holiday home and make money from it. With a few simple methods. However, it is important to mention in advance that the rental of holiday homes is also dependent on the overall economic situation. If people are doing better financially, they will go on holiday more. So here, too, you can’t just count on profitable years.

Hardly any other type of property is better suited as an investment than the holiday home. It is not only characterized by an excellent location, but through modern media and Internet portals, the re-renting of these houses has become very easy. This makes it much easier to generate income with holiday homes. Of course, the cost-benefit calculation is particularly relevant. However, if you manage properly, you can afford a holiday home, gain capital by renting it out and also have a very private retreat in your favourite holiday home. What you should look for when buying a holiday home – and much more – you can find out here.

• Holiday home
• Buy weekend house

Prefabricated house: Turnkey? Costs & advantages and disadvantages

Especially for young adults, the dream of owning their own four walls is big. You want to invest your money and what is better than a property? If you are interested, a prefabricated house would be ideal, because with this type of construction the prices are usually lower. If you want to move in quickly and don’t want to put a lot of energy into building a house, you should look into prefabricated houses. Buy your house with land and have a bungalow, a villa or a terraced house built. The repertoire of providers is large. Compare the different types of houses, gather important experience and decide between materials such as wood or concrete. Move into your first and turnkey house soon!

• Prefabricated house: features, definition, advantages & disadvantages
• Buying a prefabricated house: Costs, construction, etc.

Wooden house: Sustainable living? Costs, construction time & maintenance

Due to the advantages and the cozy aura, the wooden house has established itself throughout Germany and is appreciated by many families. With the wooden house, a distinction is generally made between three types of construction. The classic is the log house, closely followed by the Umgebinde house and the wooden panel house. Only the log house is a purely wooden house, while the other two house types are only made of wood in the basic framework and are made of stone or composite materials in the interior fittings and wall surfaces.

As a living material, wood is very high-maintenance and must be regularly protected against the weather. Nevertheless, with a wooden house you can create an oasis of well-being, which convinces both visually, haptically and in the sensation. What else there is to know about buying a wooden house, you will find out in the following article.

• Wooden house

Country house: features, characteristics and live in the country

A country house is defined as a residential building, which is located on an estate. Mostly it is a large property to which a spacious garden belongs. Size, open space and a romantic, rustic style determine the image of a country house. Townhouses in country house style are becoming more and more popular. Both advantages, the good infrastructure and the rustic exterior appearance, are thus combined.

The massive structures with generous proportions are strikingly designed by the long balconies, terraces, dormers and pavilions. Real wood is a defining material of the country house – folding shutters, windows, doors and railings provide the harmonious style of the house. In some cases, a conservatory or carport is also part of the house. Warm tones, stone, ceramics, rattan and a tiled stove provide a feel-good atmosphere and bring relaxation and recreation.

• Country house

Solid house: Robust material & long service life

A solid house is a construction method of a house, whereby the house is built stone-on-stone from solid building materials. Individual wishes of the builder thus make each house a unique one-of-a-kind. On average, the lifespan of a solid house is about 100-120 years and is therefore more durable than a prefabricated house. The price per square meter of a new house is on average 1,300 euros for the construction costs excluding the land. There is no upper limit for the price limit.

Factors such as costs, materials and the duration of construction are very important when it comes to buying your own home. With the help of information on financing, the choice of land and the life of the house, you can form an opinion and decide which of the listed advantages and disadvantages are decisive for you – and whether a solid house is right for you.

• Massive house

Apartment building: Valuing real estate, apartments, rentals & co.

Your idea has manifested itself and your dream of a house is becoming reality. You have already looked at a few properties, compared prices and set your budget for buying a house. Before you enter into closer negotiations with sellers or reserve a property, you should plan the house financing and determine your conditions. The more professionally you proceed and the more concretely you plan, the less complicated the house purchase will be, from the idea to the financing to the notarisation to the conclusion of the contract. Then everything is ready for the rental of the apartment house. Learn everything here, from the valuation, to the rental of apartment buildings.

• Buy apartment house
• Buy or build a multi-family house?

Terraced house: Living door to door – Costs and advantages & disadvantages of building a house

Young families and couples, as well as anyone in the family planning process, are attracted to townhomes in the same way. Not because they are particularly modern and cool. On the contrary, terraced houses have acquired a somewhat dusty image over the years. But the cliché that terraced houses are only for squares is not at all true.

Due to its space-saving design, the housing form has a huge advantage, because often you can get them even in large cities still relatively close to the city center. Often you don’t even know that you are dealing with a terraced house, because the image that we have been given is wrong. Row houses can be found in Paris London, New York Berlin and all other metropolises. The simple reason for this is that terraced houses are built side by side without leaving space between the individual housing units, thus they require little land area and even in urban regions often come with a front garden or real garden.

• Terraced house

Beach house: living by the sea or renting to holidaymakers

A beach house can be used as a retreat as well as a modern home. A home that many dream of – do you? While the type of home can vary greatly, it remains true to its location – right on the beach. Whether it’s a luxury villa in the Hamptons, a modern bungalow in Calabria, or an aesthetically pleasing single-family home on the Baltic Sea, a direct oceanfront location makes the heart beat faster for many.

You’ve been dreaming of your own house for a long time? Do you prefer to spend time at the beach? Or do you want to invest in a holiday home to rent it out or sell it after renovation with added value? Then it’s time for you to look into beach homes. The beach house, which inspires with a dreamlike beach location, can be used as a home or as a profit-promising capital investment. In the following article you will learn what a beach house is and what advantages and disadvantages it has. Furthermore, the house construction as well as the house purchase will be explained to you in more detail and it will be pointed out what needs to be considered for different needs!

• Beach house

Villa: plot, garden and many rooms – city villa or villa in the countryside

You want to invest your money in real estate and build or buy a house? If you have an affinity for luxury and elegance, you should definitely look into the subject of a villa. A villa is long-lasting and an investment in the future. In this article you will learn everything you need to know about this special type of house. Do you prefer a modern or more Mediterranean style and when is a house a villa? It doesn’t matter whether you want to build in the city centre, in the countryside or on a hill with a pool. You can find the most important information here.

Are you interested in investing in a luxury property and would like to build or buy a villa? Then you will find a few useful tips on the subject here. Decide for yourself whether you want to renovate an old building to keep the charm or build a new building to design everything according to your ideas. Choose between a prefabricated house or a solid house because both have their advantages and disadvantages. Find out what they are below.

• Villa
• Buying a villa: Procedure, Checklist & Co.

Energy efficient building

1. Low-energy house
2. Zero-energy house
3. Passive House

Low-energy house: Live sustainably and save on ancillary costs?

Since 2007, there has been a draft law that attempts to regulate the energy efficiency of construction projects and thus improve the housing landscapes in cities and in the countryside in terms of sustainability. In order to obtain a building license, certain requirements must be met.

In addition, low-energy houses are supported with development loans, as the interest of the government and development banks also continues. Of course, not all new buildings have to be low-energy houses and categories under the definition of low-energy house also receive funding. However, with sustainable living, not only does the environment benefit, but you also save on energy costs. What it has to do with low-energy houses, you will learn in the following.

• Low-energy house

Zero energy house & passive house: definition, function, costs & requirements

Construction and architectural trends are moving more and more into the realm of sustainable living, as not only the environment demands it, but also legislators and consumers. Accordingly, the number of energy-efficient houses among new buildings has more than quadrupled in the area of office buildings, commercial spaces, hotels and also private households.

The zero-energy house and the passive house can be considered as a kind of master class of living. These house forms have the claim to have an energy balance of 0. This means that the already extremely reduced energy consumption is additionally covered by the house’s internal installations for generating renewable energies.

• Zero Energy House & Passive House

Commercial real estate

Buying commercial property – Would you like to buy a retail business, a kebab shop, a tattoo studio, practice and law firm premises, industrial property or entire technology parks? Avoid bad investments and make the best decision from the beginning with us. Buying commercial real estate is an investment for start-ups and business owners. The company grows in the new property. Location and selection criteria are of the commercial property set the course for the future of the company.

• Commercial property

Zero-energy house and passive house: definition and special features

Construction and architectural trends are moving more and more into the realm of sustainable living, as not only the environment demands it, but also legislators and consumers. Accordingly, the number of energy-efficient houses among new buildings has more than quadrupled in the area of office buildings, commercial spaces, hotels and also private households.

The zero-energy house and the passive house can be considered as a kind of master class of living. These house forms have the claim to have an energy balance of 0. This means that the already extremely reduced energy consumption is additionally covered by the house’s internal installations for generating renewable energies.

You want to buy or build a house, but don’t know which one is right for you? Then take a look at our guide to house types from A – Z! Here you will find all house types such as prefabricated houses, farms or villas!

Special features in construction: ventilation, windows & energy recovery

The energetic requirements of course need certain constructional measures, which go far beyond the installation of a solar system. In addition to photovoltaics or solar thermal energy for energy recovery, conditions are created that keep the general energy consumption as low as possible and allow methods of renewable energy to be sufficient to meet the needs of the residents for electricity and heating.

The most important factor in this calculation is the use of renewable energy, as a 2019 study found. Still, structural factors play a role in gaining efficiency. Measures that optimize a home for energy are things like:

• Ventilation system
• Large, well insulated windows
• Optimal insulation, especially in the roof area
• Solar energy

Concept passive house: consumption, planning and properties

The concept of the passive house in particular can be traced back to two names: Bo Adamson and Wolfgang Feist. The two were inspired by the attempts of American building managers in the 1970s to build the most energy-efficient houses possible in order to overcome the country’s own oil shortage and to be less dependent on imported raw materials.

To achieve this, they oriented houses more towards the sun, installed large, thick windows, and did everything they could to keep the heat inside. Feist and Adamson took up this idea with their idea of passive houses. In 1990, the first Passive Houses based on the new concept were built in Darmstadt. The Passive House Institute is still located there today, which tries to regulate the term and the concept.

So passive houses in particular are subject to strict standards that they must meet in order to be considered as such. These standards distinguish the passive house from other energy-efficient forms of housing:

• Heating and cooling energy consumption: < 15 kWh/m2
• Primary energy consumption: < 60 kWh/m2
• Air loss: 0.6x the house volume per hour

Tip! Find even more tips on the subject of house building: prices, costs, taxes & Co.

Advantages & disadvantages of zero energy & passive houses: Photovoltaics, mold and more

Alignment ventilation and more are carefully calculated in the name of energy sustainability, and space must also be limited to optimise the home. Find out what’s in store for you if you choose a ‘house without energy consumption’ here.

Advantages: low cost and plenty of daylight

Of course, the sustainable forms of construction continue to pay attention to quality. In addition, they inherently bring advantages that make living in the houses more pleasant. The windows, which aim to let solar heat into the house, help flood the living spaces with light at the same time. So here’s what you can expect:

• Plenty of daylight
• Low ancillary costs
• Optimal use of solar radiation
• Compact living space

Disadvantages: risk of mold?!

As good as the houses sound, they unfortunately also bring with them restrictions that new residents still have to get used to. After all, living in a zero-energy or passive house is somewhat different from living in an ordinary home. For example, those who like to open the windows regularly to let in fresh air will be disappointed by low-energy houses. However, most of the disadvantages arise when the maintenance of the house’s facilities is neglected:

• Permanently closed windows
• Ventilation system with maintenance requirement
• In case of faulty ventilation system: risk of mold

Energy rules: Standard values and efficiency houses

Rule, rules, rules: That’s all you often get when you’re building a house. Sometimes there’s a regulation here, or that can’t be done because the one law there doesn’t allow it. Sometimes rules are there to be broken. However, this attitude better not be at the forefront of a building project, because it can cost you your building license real quick. Therefore, we have summarized the most important rules and guidelines for you.

Energy efficiency classes: Zero energy house vs. passive house

In order to get a rough overview of energy-efficient living, it is helpful to be familiar with the energy efficiency classes, which are particularly relevant in Germany. Because here every house must have an energy certificate on which the energy consumption of the house is recorded.

So, should you find yourself apartment or house hunting and stumbled across this article by chance, this ranking can help you find a home with low utility costs.

Zero-energy and passive houses are both classified as A and A+ respectively. This means they have a consumption of < 30 kWh/qma per year, logical since the target is 0 kWh/qma. An annual energy consumption of < 100 kWh/sqma is now typical. Here is a rough overview of the classifications:

• A+: < 30 kWh/(m²a) // < 2 €/(m²a)
• A: < 50 kWh/(m²a) // 2 €/(m²a)
• B: < 75 kWh/(m²a) // 3 €/(m²a)
• C: < 100 kWh/(m²a) // 4 €/(m²a)
• D: < 130 kWh/(m²a) // 6 €/(m²a)
• E: < 160 kWh/(m²a) // 7 €/(m²a)
• F: < 200 kWh/(m²a) // 9 €/(m²a)
• G: < 250 kWh/(m²a) // 11 €/(m²a)
• H: > 250 kWh/(m²a) // > 13 €/(m²a)

Land: selection and characteristics of the right plot

Before you can even think about building a house, you have to choose the right plot of land. Since a zero-energy or passive house can of course take on many different forms, it is difficult to make general statements about the perfect plot of land. However, it is necessary in any case that the property is not closed off by too high trees, which limit the performance of the solar energy system.

Zero energy houses are offered both as solid houses and as prefabricated houses. Whether requirements, due to the construction of the land must be met, you can read in the article on the purchase of land, which is also linked again at the end of this article.

Checklist: Choice of the plot

In order to find the perfect property, there are a number of factors to consider. Here you will find the most important key points summarized in a compact checklist for you:

• Connections (existing connections save costs)
• Base material
• Alignment
• Conversion
• Size
• Proximity to water bodies (risk of flooding?)

Checking the purchase contract: 5 pitfalls and how to avoid them

Sometimes you are lucky and the perfect zero-energy or passive house for your personal needs has already been built. In this case, it is only a matter of buying the house. But even here, some obstacles can be put in the way. Especially in the form of clauses in the purchase contract, but even before it goes to the drafting of the contract, there is the possibility of circumstances of the house and the property to find out.

At the city you can request the excerpt of the property for a fee to check whether the sellers are the actual owners and to check other data about the property, for example the name of the property.

Traps you should avoid

The joy of the supposedly perfect property can quickly cloud your eyes. However, before you sign the contract to buy, it is important to consider certain things so that you only buy what you definitely want:

• Property designation: Does it match the land register?
• Handover date: Move-in possible directly after payment?
• Warranty: Seller should pay for concealed defects for up to 5 years
• Purchase only after acquisition position has been secured
• Full final declaration

Incidental building costs: Hidden costs when building a house?

What you should also be aware of when building a property is the price of the ancillary costs incurred, which comprises approximately 15% of the construction costs. This should also be kept in mind when financing the house, otherwise these additional items quickly become traps that stand in the way of your new living happiness.

Especially if you want to build a property as an investment, you should include these costs in your profit on the property. The real costs are extremely different from the value of the property itself.

Acquisition: taxes, notary and estate agent

Even the finding and the purchase itself are associated with certain salaries and commissions. However, some of these are clear from the outset. For example, you are in any case already aware of brokerage costs before the purchase of your new home, because this should have been clarified from the outset. Additional costs and taxes are also involved:

• Land transfer tax: 3.5 – 6.5 % of the purchase price
• Notary: approx. 1.5 % of the purchase price
• Broker: approx. 3 – 8 % of the purchase price + VAT.

Land: surveyor, development and connections

The preparation of the land also costs money. Some of these costs are covered by the construction service provider, but most of the time you have to pay for them. These items are particularly important, because without connections, for example, a plot of land is completely unsuitable for building a house:

• Surveyor: 400 – 500 €
• Development: 9.000 – 14.000 €
• Connections water: 2.000 – 5.000 €
• Connections electricity: 2.000 – 3.000 €
• Connections Internet: 500 – 900 €

House construction: insurance and landfill costs

Also not to be underestimated are the costs associated with a new house and the construction of the same. Of course, we know that the construction of the building itself brings varying costs. By the way, zero-energy and passive houses cost on average between 5 and 15% more than a traditional house. But you must not forget that you also have to finance these things.

• Building insurance without elementary protection: 200 – 800 € p.a.
• Excavated earth depending on the size of the plot and provider: approx. 850 €

Tips: Buying land and financing your property

Of course, we’ve already touched on the basics of buying land and certain means of financing in this article, but there’s just so much information on this that we’ve dedicated a separate article directly to the topics.

Buying land: Tips, selection and criteria

You know you want a sustainable home and you want to have a say in how it’s built? You’ll need the right plot of land, but there’s so much more to consider than just size. We’ve already told you a few things in the previous article, but here you’ll find everything you need to know about choosing a building site on the plot, regulations and restrictions:

• Buy land

Financing a property: loans, interest rates and comparison

Here, we’ve focused primarily on the specific nature of development loans as they relate specifically to sustainable housing. But this is not the only financing option for real estate. We have summarised the most important information about loans, building society contracts and more in a clear and more detailed way.

• Real estate financing

Insurance for house construction – for your safety

Most people are not aware that builders are generally liable for damage and accidents regardless of actual fault. Some insurances must therefore be taken out in advance to protect against risks so that the dream of owning your own home does not become a nightmare. But which insurances are obligatory to take out before the start of construction so that you can protect yourself?

Builder’s liability insurance – protection against accidents

Although your home is normally built by an external company, you are still liable for any damage caused by the construction site. If the excavation pit is not properly secured and a child falls in and breaks an arm, you are liable for the damage, even though it was not your fault. As the builder, you are legally obligated to ensure that the construction site is safe and to restore it if necessary. Private liability insurance does cover such damage, but only for very small construction sums up to 50,000 euros. In the case of a conversion or modernisation, this sum is sufficient, but you cannot build a new building from it. Therefore, protect yourself in advance with a so-called builder’s liability insurance. This takes over such damages and covers a building sum of usually 250,000 – 300,000 euros. Better be on the safe side, because an accident can happen faster than you think. Even if you have convinced yourself of the safety, you are probably not a professional and cannot assess the risk that exists. So that you do not expect any unpleasant surprises, take out the insurance before you start building.

Fire shell insurance – 2 in 1 insurance

Since the construction of a house usually takes a few months, the shell is exposed to a fire hazard. Damage to the shell by fire, lightning strikes or even explosions can cost the builder several 10,000 euros and delay the construction enormously. A lightning strike which causes a fire can lead to the fact that with the house building again completely from the beginning must be started. A bad idea, which is unfortunately more often reality, than one thinks. So in order to protect yourself as a builder against this danger, there is the fire shell insurance. With a normal house such damages would be covered by the building insurance, but not with a shell construction. Many insurance companies therefore offer fire shell insurance, which transfers directly to home insurance once the build is complete. A very good deal, then, in which you can cover many insurance claims during and after construction with one insurance policy. However, such insurance is not only important for you for financial and security reasons, but is also often required by banks in the loan, so that the construction loan is approved at all. Find the best rates: mortgage rates.

Construction work insurance – additional protection

A supplement to the fire shell insurance is the building performance insurance, because this takes over further cases that are not included in the fire shell insurance. Here, cases are insured, such as storm or flood damage, but also vandalism or construction and material defects are included. If materials are stolen from the building shell or if there is a riot in the building shell or things are broken into and destroyed, the building performance insurance will pay for the damages. These cases also happen more often than expected and it is better to protect yourself against them and play it safe than to run the risk of incurring additional costs.

Construction worker accident insurance – Insurance for helpers

When finishing the interior of the house, many builders rely on construction helpers, who can be friends or acquaintances, to save money. Acquaintances, family and friends who have experience in the field and know a thing or two about interior finishing are happy to help and thus facilitate the budget of the builder. However, it becomes problematic if the construction helpers get injured. If someone falls off a ladder or injures themselves with a tool, the first question is what insurance will cover it. In professional construction companies, the workers are covered by public liability insurance and accidents or injuries are covered by this. With construction workers, this is not the case and legally, the builder is liable first for accidents that happen in his home. Depending on the accident there can be huge costs to builders that were not factored in. So, anyone who is thinking of saving construction money by enlisting the help of friends or acquaintances to help with the interior work should consider in advance whether construction worker’s compensation insurance is not an option that should be used. It is better to invest a little money in insurance than to run the risk of being liable for damages yourself.

Liability insurance for land – Insuring against construction delays

Before the construction of a house can begin, a suitable plot of land must first be found. Since the plot is usually the first thing that is acquired, it is also the area that stands empty the longest. So, due to construction delays or the like, the already purchased plot is sometimes empty for months. Nevertheless, you are the owner and as the owner you have obligations that you must follow even if you are not yet using the property or living on it. For example, as the owner, you are required to shovel snow and clear and grit the sidewalks in the winter. If you don’t do this and someone slips and is injured, you are liable for the damage that occurs on your property. So take out liability insurance for your property when the start of construction is delayed or when there is a risk of such damage, for example when building in winter.

Compare insurances – find the best offer

In order to protect yourself from risks and additional costs besides the enormous costs for your own home, you should therefore consider some insurances that make sense for you depending on your life situation and house construction. Before you take out these insurances, however, you should find out exactly what is really included in the respective insurance and which offer is the best for you. Both online and with consultants, you can compare different insurance with each other and thus increase your chance of a cheap insurance. Even if the benefits of different insurance companies are usually similar, the insurance premiums differ enormously, which is why it is worth looking closely and compare. So play it safe, compare insurances and find the perfect one for you that can protect you from all possible risks and unexpected expenses.