Insurance. A tiresome topic for many. Not only that you don’t know which policyholder to take out insurance with, but also because you can quickly become overwhelmed with the insurance and the correspondence about it. As with official letters, it is not formulated in the simplest German, but the texts are written in such a way that one often does not know exactly what is actually going on.
Of course, you can find out exactly what this statement means from an insurance expert and on the Internet. What many insurance specialists hide from you, however, are insurances and insurance packages that nobody needs. Some insurance professionals are happy to offer customers a few good-looking combined insurance packages that not only appear extensive at first glance, but also apparently cover a lot. However, the insurance professionals do not say that certain types of insurance are not worthwhile at all.
Insurance that is not worthwhile, an example:
One insurance that is often mentioned is glass breakage insurance. At first glance, the insurance sounds very plausible, because if you live in a neighborhood with several children or if your own children are playing in the garden, it can happen that a glass breaks during a soccer game. One time not paying attention, too strong or too high and Klirr is a disc gone. How good to have broken glass insurance, isn’t it?
Not correct. In most cases, glass breakage insurance is not worthwhile. Why? Because the damage to a broken window pane (or other glass object) is already included in the contents insurance. Glass breakage insurance would be more worthwhile if you have a greenhouse or if you have windows almost everywhere instead of walls. But as a rule, glass breakage insurance is not worthwhile at all.
Such and similar insurances are often included in the combined insurance package and do not bring the customer any additional benefit. Here it is better to book the insurance individually rather than in a well-intentioned combination package. So you can be sure that you only pay for what you actually need.
But which insurance is really worth it? Here I show you 4 types of insurance that you should definitely make.
Insurance 1: Dental prosthesis insurance
Teeth are important, not just for eating, but also for our looks and our self-esteem. In addition, many health insurances do not even include dental prosthesis insurance. It costs extra. But it’s worth it. From a certain age in particular, you know that your teeth slowly lose strength and fall out. Or that the teeth no longer hold up due to an accident. All you have to do is fall off your bike, get a door in your face or get an inflammation that attacks your gums. And before you know it, you are rid of one (or even several) teeth.
How good that you have dentures insurance with which you can get decent dentures. Also one Dental insurance It is worthwhile if the dental prosthesis insurance does not cover everything and generally with health insurance. You can find more interesting information about Dental prosthesis insurance on Versicherungsriese.de.
Insurance 2: liability insurance
Liability insurance is essential. There is no other way without this insurance. If you do not have liability insurance, you will have to pay a lot for numerous little things. For example, when the children break something, when the dog scratches the door, the cats maltreat the rented furniture with their claws, and so on. In these and similar cases, liability insurance is useful. The insurance also takes effect when driving a car if you have an accident and the occupants are harmed.
Liability insurance usually covers all damage caused by the policyholder due to carelessness or carelessness. Private liability insurance even protects the policyholder from the costs that arise in the event of gross negligence.
This does not mean that you should pour yourself so much alcohol behind the bandage until you are no longer roadworthy and still drive your car through the night without hesitation. After all, insurance is not a guardian angel that prevents death, but only insurance that bears the costs if you screwed up.
Insurance 3: disability insurance
Every job is important and every job is pretty tough for one or the other in the long run. In addition, there are professions and situations where you can no longer do your job overnight. These include various illnesses, accidents at work, constant efforts at work, and much more. Especially in construction, in nursing professions and other tough jobs, you may no longer be able to do your job. These include things like paraplegia, osteoarthritis and arthritis, problems with the intervertebral disc and much more.
In some professional groups, accidents and pain in the joints are not uncommon, even if you can relieve the joints with exercise and a healthy diet, as well as with the right methods, there are activities that are permanently damaging. If you can no longer do your job after a while, you can consider yourself lucky to have disability insurance. Because even if you can no longer do your job, you are covered and receive an amount every month that helps you to make ends meet.
Insurance for singles and families
In addition, you should be careful with the insurance, because while some insurance is only suitable for singles, there are some that are important for a family. It makes a big difference whether you have health insurance yourself or whether you include your entire family (or just your child) in the insurance.
Finally there is at it also insurance that is cheaperif you include the whole family while the individual insurance of the partner would have cost 50 euros more.
Therefore, when planning a family, it is important to check the insurance again and see who has the best price-performance ratio and who offers the best rates.
How much have you dealt with insurance so far?
Have you already tried out many insurance companies or read your way into many insurance companies? Which insurances are suitable for you and who in your opinion really messed it up? What are you willing to pay for good insurance and what do you think good insurance has to offer? Please write it to me in the comments and tell about your experiences, opinions and stories that you have had with insurance so far.
I am curious what you can report and hope that I can help you and others with your stories. I am very curious about your information and wish you a healthy and wonderful day.
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