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German citizens spend an average of 2,000 euros a year on insurance. Nevertheless, studies show that not all citizens are adequately protected against dangers. It is important that the insurance cover is checked regularly.
Life situations change regularly and insurance policies have to be adjusted accordingly. Back to the statutory health insurance deals with people who need comprehensive insurance coverage. There are also numerous other insurance policies. Under no circumstances should any of them be used. It is all the more important that comprehensive advice takes place, which is tailored to your own life situation. If you don’t own a bike, you don’t need bike insurance.
The following insurances, on the other hand, are essential and everyone should have:
– Health insurance
– home insurance
– Liability insurance
Even if some are not compulsory, insurance is essential. Only a small slip and a big scratch is in the Porsche that happened to be there. Half of life can be over quickly. Most insurance policies only cost a few euros a month and are affordable for everyone.
Also one Disability insurance should be looked at by many. Young people in particular pay very little for this. But people in riskier professions, such as craftsmen, should also own one.
How quickly can a person fall off the roof or off the ladder? Basic security will not be enough for 95 percent of people. Which insurances are superfluous? All insurances are usually superfluous, which are not absolutely necessary. Experts advise that anything that can easily be replaced and paid for by yourself should not be insured. Certain elementary insurance or unemployment insurance is only beneficial for a few people. Insuring individual items is only worthwhile for higher-priced objects.
Tips for taking out insurance
Insurance only makes sense if it is used and if damage cannot be paid for yourself without any problems. Some people can quickly become unsettled there and convince themselves that certain insurance policies are necessary in an emergency. Therefore, the insurance documents should be read through in detail or checked with the broker. Often there are some clauses in the small print that exclude various cases in the event of damage. Furthermore, it is not advisable to take the first insurance company to submit an offer. There are numerous insurance companies on the market. Each has different conditions and prices. Even before the contract is signed, some money can be saved.
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