Household insurance may refuse the service damage incurred during a burglary should – reimbursed generally by the own contents insurance if you graduated from a home insurance. However, it is important for the performance obligation of the insurer that the burglar is forcibly penetrated into the apartment. Open Windows or doors could rely on grossly negligent behavior of insurers and deny the power. The same applies to fast completely frozen by locks. In a ruling of the Landgericht Essen (AZ. 15s 297/08) showed that home insurance is not paid after a slump, because in this case the lock of the garage door was floundering and the burglar could open the gate just by a simple jolt. The completely dilapidated Castle of garage door left open by the burglars almost without using force, so that the Court went out by a negligent behavior and so that law gave the insurance, therefore wanted to do that. Usually enough as precautionary measure from the entrance doors to the apartment have a not screw outside cylinder lock with safety fittings, which is common in Germany.
In case of doubt – about case of older locks – should be contacted with the lessor as well as with the insurer, so that does not occur in case of a break-in to a denial of service of household insurance. Usually, it is better and safer, especially, old palaces to be replaced by a cylinder lock. More information about the household insurance together with the possibility of an immediate calculation of different tariff variants can be found on the website hausrat.young insurance.de. Contact: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact person for the press: Bogdan Kalid image source: kallejipp / photocase.com company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the company specializes specifically the Internet presence of young Insurance.de the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies.
There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterized by a very high market coverage, highly trained Employees and offers tailored to specific audiences out. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.