What Does German Building Insurance Cost?
Premium by Wert 1914, construction class and location (ZÜRS flood zone) — with natural-hazard cover and deductible.
Building
Location & cover
- Yearly premium
- €216.00
- Monthly premium
- €18.00
- Rebuild value (sliding new-value)
- €430,000
- Base premium
- €180.00
- Natural-hazard surcharge
- €36.00
- Adjustment factor 2026
- 21.5
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Breakdown
| Category | Amount |
|---|---|
| Sum insured (1914 Mark) | 20,000 Mark |
| Rebuild value | €430,000 |
| ZÜRS zone | 1 |
| Base premium | €180.00 |
| Natural-hazard surcharge | €36.00 |
| Deductible | €0 |
| Total yearly premium | €216.00 |
Note: Premiums are average values for German building insurance (Wohngebäudeversicherung) tariffs in 2026. Actual premiums vary by insurer (Allianz, AXA, HUK-COBURG, Gothaer, VHV), deductible, dynamic adjustments and special tariffs. 'Wert 1914' is the sum insured in 1914 gold marks — insurers apply the sliding new-value factor (~21.5 for 2026) to convert it into today's rebuild value. Natural-hazard cover is significantly more expensive in high-risk zones (ZÜRS 3/4) and may require a deductible.
Background
German Building Insurance 2026: Wert 1914, Natural-Hazard Cover and Sliding New-Value Explained
11 Min.