These are the fairest household contents and liability insurers

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How well an insurer really is usually only turns out to be the case when damage has occurred or customers have questions about their contract . Therefore, before taking out insurance it is not only important to check the price-performance ratio, but also to ensure that the provider convinces with its customer-friendliness . In two tests for private liability insurance and home contents insurance, ServiceValue has now chosen the most fair insurer.

That’s why liability insurance is so important

Hardly any insurance is as indispensable as the private liability insurance. Because this jumps in, if the own behavior third suffer a damage. For example, if an insured person drops an acquaintance’s brand-new cell phone and it breaks, the liability insurance will replace the cost of the repair. Even more important is the protection against personal injury . After all, lifelong obligations may arise in the event of serious injuries, for example as a result of a bicycle accident involving several people.

Liability insurance in fairness comparison: nine times very good

In the event of damage, liability insurance regulation should be easy . Insured persons also need good customer service or excellent advice when it comes to contract modifications or questions about insured benefits. According to the ServiceValue liability test from September 2017, ten providers are achieving a very good overall result. They offer fair tariff benefits, good customer communication and attractive value for money. Particularly noteworthy is CosmosDirekt . The insurer not only achieves a very good overall rating, but also scores top marks in all subcategories. Other test winners include AachenMünchener, Allianz, Continentale, LVM, Mecklenburgische, Provinzial Rheinland, Württembergische and Zurich.

Household insurance for 2017: Seven offers with best result

Even a new household insurance can recommend, if the previous is too expensive or underachieving . The current test from October 2017 reveals that most of the 33 companies tested in an emergency, quickly and easily regulate the damage. This could be, for example, a ruined parquet floor due to leaked water from a defective washing machine, or the damage caused by a burglar, fire or storm.

Among the best of the fair household insurers, only the DEVK can achieve a very good score in the household contents insurance test in all categories. In addition, Allianz and VGH score very good results in six of the seven areas examined.

In the overall result, nine household insurers play in the front rank , for example:

Service: You want to secure your household even better in 2017? With Hausratversicherung Vergleichrechner you can quickly and easily compare numerous offers and find a suitable rate.

Update 8 December 2017: Where interested parties can secure themselves very well in 2018, the Handelsblatt has been examined by the rating agencies Franke and Bornberg. Eleven of the almost 40 fares are doing very well. The best household insurance 2017 comes from Medium (“Premium”), followed by Basler (“Ambiente Top”) and InterRisk (“XXL”). Of the household insurance test winner of ServiceValue only Ammerländer (“Exclusive Protection”) is among the top rates again. The latest comparison shows how important it is to compare different rates online in order to find the best value for money home contents insurance.

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Today’s Featured Article
A Home Loan to Help You Sell or Buy Your Fixer-Upper
By Sheryl Landrum
Home Worth Columnist

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Almost 60% of homes purchased today are bank-owned. While the house price may seem appealing, usually the repairs and TLC needed to bring the house into decent shape or market value can be prohibitive for many would-be home buyers or home sellers. Now, however, a little-known home loan may just help home buying and home selling become that much easier.
Streamline K Home Loans
The Streamline K home loan is a faster version of the FHA’s home-rehabilitation loan product, 203(k). As with all FHA loans, the government insures the lenders who make them against loss should a home loan go into default. What this loan offers home buyers is the ability to add up to $35,000 to the home loan for necessary repairs or renovations to your fixer-upper. What it means to home sellers is the ability to refinance and use the $35,000 to make the necessary repairs and improvements to make your home more attractive to would-be buyers. So, what do you need to know?
Streamline K Home Loan Basics
Whether you are buying or selling a home and using a Streamline K home loan, here are the basics:
• As in all FHA home loans, mortgage limits max out at $729,750 until the end of 2008.
• FHA underwriting guidelines are followed.
• The program is designed for repairs that are minor and non-structural. However, you are allowed to repair the roof, plumbing, electrical, buy new appliances etc.
• You are not allowed to do room additions and site improvements such as landscaping your yard.
• Home repairs need to be completed in less than six months and no more than two contractors can be used.
• If the work cost exceeds $l5,000, a final inspection is required by the lender.
• Even if you are a contractor, you cannot be paid for work done to your own home.
This is a great program for those home sellers who are trying to increase their home’s value in a tight market. It is also great for those homeowners who would like to buy a house but have no funds for home repairs after they move in. With the ability to access Streamline K funds, the program may even stimulate a sagging housing market. To find out more about Streamline K, go to www.fha.gov and search for Streamline K for exact details on how you and your house can qualify for these home improvement funds. Then find a reputable lender who’s up to speed on these special home loans.

Source:
The San Diego Union Tribune, Sunday, July 19, 2008, Uncle Sam’s Little-Known Loans Worth a Second Look, by Lew Sichelman