In the property insurance, the following simplifying support measures will initially be taken by the end of 2023:
Refugees in private accommodation - household insurance
If refugees are taken in in the owner-occupied apartments of the policyholder, the foreign property of the refugees is considered to be included in the insurance in accordance with the conditions. The underinsurance is not taken into account up to an amount of EUR 5,000. If the apartments are rented furnished, third-party property is excluded under the terms and conditions. Here the VGH waives this exclusion up to an amount of EUR 5,000.
Refugees in private accommodation - homeowners insurance
Private individuals are currently providing available living space in the form of individual apartments or single-family houses for short-term use by refugees. Within the framework of the existing houseowners insurance, the VGH grants unlimited insurance protection to the previously agreed extent (the maximum use is limited to 12 people per residential unit due to the NBauO for residential buildings).
For private residential buildings which are rented by municipalities via a (usually) long-term rental contract, the VGH also offers the usual insurance cover in accordance with the tariff. The already established practice continues to apply here.
Conversion of objects - municipal and other housing
The municipalities are currently faced with the challenge of housing and caring for more and more refugees at short notice. Within the framework of the existing building insurance for short-term changes in use, the VGH grants unlimited insurance protection to the previously agreed extent at the previous contributions and conditions.
Furthermore, the VGH also continues to offer insurance cover for permanently used collective accommodation as part of the building insurance.