BUSINESS CLIENTS · PROPERTY

Protect the property. Avoid the loss in value.

Property in commercial use needs different cover from purely residential buildings.

The problem

Wrong values mean you are under-covered.

Many businesses that own their building hold a policy that was never tailored to commercial use, or whose rebuilding values are out of date. In a claim that means under-insurance: the insurer pays less than the loss actually costs.

Worked example

When the sum insured falls behind.

WHEN THE REBUILDING COST RUNS AHEAD

Your cover gap at a glance

Rebuilding cost today€0

Fixed sum insured from 2015€0

Not covered in a total loss€0

Example after Finanztip: a house insured at build cost in 2015 has risen sharply in rebuilding cost by 2026. Without index-linked cover the settlement is cut proportionately.

Our solution

Current value. Full cover.

We establish the real rebuilding cost of your building and arrange cover that properly reflects commercial use, extensions and alterations, and loss of rent.

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The hard facts

Why the right building value decides everything.

27.63

is the 2026 index factor for rebuilding cost, set annually by the German insurance association.

40%

is the possible shortfall where the sum insured is fixed rather than index-linked.

1914 value

a notional figure on which the sum insured is based.

Average waiver

is the decisive mark of a good policy.

Worth knowing

What counts in buildings insurance.

Index-linking keeps it current

Index-linking adjusts the sum insured to building costs each year, so the cover stays current automatically.

The 1914 value as the basis

The sum is based on a notional 1914 building cost multiplied by the annual index factor. A well-established system, though it does take some explaining.

Alterations raise the value

An extension, a conservatory or a heat pump raises the value of the building. If they are not reported, a claim can be cut proportionately.

An average waiver protects you

With an average waiver the insurer does not recalculate in a claim, provided the sum insured was worked out correctly.

Independent. Experienced. On your side.

37+ years

in the market

100%

independent advice

DEWE

Certified partner of Deutscher Wertschutz e.V.

Why it matters

Why to review now.

Use index-linked cover

Fixed sums go out of date; index-linked cover follows building costs automatically.

Report alterations

A heat pump, an extension or a conservatory adds value. Unreported, a claim can be reduced.

Secure an average waiver

So that a total loss pays for the full rebuild.