Home Insurance Austria 2025: The Complete Guide
Everything about home insurance in Austria: Building + contents combined. Compare 7+ providers. Save up to €800. 10-year discounts up to 40%.
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What is Home Insurance (Eigenheimversicherung)?
Home insurance is a combined product that unites building insurance and household insurance in one package. It protects both your house or apartment and all your furnishings from various risks.
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The Two Types of Protection Explained
1. Building Insurance (Gebäudeversicherung)
Protects the building itself:
- Roof and facade – Storm and hail damage
- Windows and doors – Burglary, vandalism
- Walls and floors – Fire, water damage
- Fixed installations – Built-in kitchen, sanitary
- Outbuildings – Garages, garden houses
2. Household Insurance (Haushaltsversicherung)
Protects your movable contents:
- Furniture – Sofas, wardrobes, beds
- Electronics – TV, computer, appliances
- Clothing – Wardrobe, linens
- Valuables – Jewelry, watches (with limits)
- Sports equipment – Bicycles, skis (partially)
Covered Risks
| Risk | Building | Contents |
|---|---|---|
| Fire, Lightning | Yes | Yes |
| Storm, Hail | Yes | Yes |
| Water Damage | Yes | Yes |
| Burglary, Theft | Yes | Yes |
| Glass Breakage | Optional | Optional |
| Flooding | Optional | Optional |
Savings Potential: Up to €800 Annually
By comparing multiple providers, you can save significantly:
- Up to €800 annual savings possible
- 10-year contracts offer up to 40% discount
- Construction phase insurance often free during building
Tip: With longer contract terms (10 years), you receive significantly lower premiums. This is especially worthwhile if you plan to stay in your home long-term.
Price Factors for Home Insurance
The premium depends on several factors:
| Factor | Effect | |--------|--------| | Building value | Higher value = higher premium | | Construction type | Solid construction cheaper than prefab | | Location | Flood risk, crime statistics | | Living space | More m² = higher premium | | Contract length | 10 years = up to 40% discount | | Deductible | Higher deductible = lower premium | | Security features | Alarm system = possible discount |
Construction Phase Insurance (Rohbauversicherung)
Important for builders: Construction phase insurance protects your building project during construction. Many insurers include it free of charge when you subsequently take out home insurance.
What construction phase insurance covers:
- Fire and lightning during construction
- Storm damage to the shell
- Often: Builder's liability included
Liability Insurance Included
Most home insurance policies include property liability:
- Homeowner liability – If someone has an accident on your property
- Builder's liability – During construction work
- Oil tank liability – For heating oil tanks
Providers Compared
durchblicker.at compares 7+ home insurers:
- Donau Versicherung
- ERGO
- Grawe
- HDI
- Helvetia
- Merkur
- Zurich
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What to Consider When Signing Up
1. Choose the Right Coverage Amount
Avoid underinsurance! If you state the value too low, you'll only receive partial compensation in case of damage.
- Have the replacement value assessed
- State living space correctly
- Report value increases regularly
2. Consider the Deductible
| Deductible | Effect | |------------|--------| | €0 | Higher premium, full compensation | | €150-300 | Moderate premium, pay small claims yourself | | €500+ | Low premium, more personal risk |
3. Check Add-on Options
- Glass breakage – Especially useful for conservatories
- Natural disasters – Flooding, earthquakes
- Bicycle theft – Often only up to €1,000 included
Frequently Asked Questions (FAQ)
What's the difference from household insurance?
Household insurance only protects your contents (belongings). Home insurance combines contents and building protection.
Do I need home insurance as an apartment owner?
Yes! The building insurance of the owners' association only covers common property. You need to insure your apartment and contents separately.
What happens in case of damage?
- Document the damage (photos, list of damaged items)
- Notify the insurance immediately
- Schedule an assessor appointment
- Receive replacement at new value
Can I deduct the insurance from taxes?
Home insurance for owner-occupied property is not tax-deductible in Austria. For rented properties, it can be claimed as advertising costs.
Conclusion: Home Insurance as Complete Protection
Home insurance provides comprehensive protection for your home – both for the building and your furnishings. This combined protection is especially sensible for homeowners.
Our recommendations:
- 10-year contract for maximum savings
- Choose new value insurance
- Don't set coverage amount too low
- Compare offers annually
Compare Home Insurance Now
Compare 7+ providers and save up to €800 annually – free and non-binding.
Go to Home Insurance Comparison on durchblicker.at
Disclaimer: The information in this article is for informational purposes only and does not constitute insurance advice. Prices and services may change. For current rates, please visit the respective provider's website.
Disclaimer and Legal Information
No Financial or Legal Advice: The information provided on this website is for general information purposes only and does not constitute financial, legal, or tax advice. It does not replace individual consultation with a professional expert.
No Warranty for Accuracy and Timeliness: Despite careful research, we cannot guarantee the completeness, accuracy, and timeliness of the information. Prices, terms, and services may change at any time. Please verify all information directly with the respective provider.
No Recommendations: The mentioned products, services, or providers do not constitute a personal recommendation. The selection was made for informational purposes. Every decision is your own responsibility.
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Information as of: November 2024. All information without warranty. Changes and errors excepted.