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The insurance market is vague to most persons. There are many assurance providers. As a private person you can hardly get the overview. Nevertheless one wants to get the best solution. Nowadays it is a good idea to use a tariff comparison website as Guenstige private Rentenversicherung, when you are looking for a particular assurance. There you can obtain your personal assurance quote from a great number of assurance vendors.

Some important German assurances – for example Hausversicherung Gebaeudeversicherung Vergleich – which are mentioned in this context are:

The private liability assurance: Even a small mistake e.g. a lapse in giving way when bicycling, or a careless discarded cigarette may cause extensive damages. Especially when people come to tort, the claims of the victim may result in the financial ruin of the polluter. There is no limitation to the top. Therefore the casualty insurance is very important for everyone. With a casualty assurance you and your family have protection from the typical liability risks of everyday life in the private sector.

The private medical insurance: Private sickness assurance can be taken by business owners – regardless of their earnings. As an employee you may switch to the private sickness assurance, if your annual gross salary lies 3 years in a row over the assurance limit of 48,150 Euros (equivalent to 4012.50 Euros a month, status of 2008). Also officials, judges and members of parliament are usually privately insured. The German private sickness insurance usually offers superior benefits than the governmental health insurance. Many assurance providers give the option of making customization to the tariff of the active contract.

The property assurance: For many persons the own house is the biggest expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property assurance is essential for every house owner. The contents are not insured. This should be done by a separate householders assurance. The elements of fire assurance and supply water assurance should always be included. Natural hazards might be a great risk for your building. So everybody should search a property assurance which includes these special risks. Assurance protection against storm damage should definitely be considered because of the rise of heavy storms during the past years in Germany.

The German Riester-Insurance: The so called Riester-Assurance is a government-funded private pension you can seize to close your personal pension gap. It is both safe and attractive: During the active working life, you pay contributions into a private annuity contract, a bank or savings fund, additionally you get growing state allowances and tax incentives as a bonus. Later you will receive monthly benefits a lifetime – in the form of a retirement pension or a payment plan. Each employed professional, who is not willing to rely on the national pension alone, should think about a Riester-Pension agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public allowance for Riester-Assurance agreements.

The vocational disablement assurance: Consumer protectors have repeatedly pointed out that the occupational disability insurance adjacent to the private liability assurance is the most important insurance at all. The loss of manpower is an existential risk. Because of being no longer able to work means to earn nothing. Physical hardship often is the result. The state barely helps in such a case – the statutory pension assurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational disablement cases is illness. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must quit their jobs for health reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the health assurance and for unemployment benefits are exhausted, you are confronted with a large supply gap when not having an occupational inability insurance.

The dog owner insurance: Without a dog liability assurance every dog owner carries a very high risk of liability when his four-legged friend once causes a damage. When the dog runs over the street and causes a traffic accident, one can be held responsible for all damages of persons and vehicles. On the German assurance market there are many dog assurance suppliers. As a dog owner it is not easy to find the best supplier and contract for your specific requirements. The research for the right assurance can be done via Internet. There are advisable websites which offer cost-free comparisons of German dog liability insurances.

The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: Guenstigste PKV Private Krankenversicherung. This comparison web page is independent from a single insurance company and provides a good overview of the market.