The assurance market is opaque to most individuals. There are many insurance suppliers. As a client you can hardly get the overview. Nevertheless one wants to get the suitable solution. Nowadays it is a good choice to use a rate comparison site as Preiswerte Riester Rente, when you are searching a particular insurance. There you can retrieve the right insurance offer from a great number of insurance offerers.
Some important German insurances - e.g. Vergleich Autoversicherung - which are mentioned in this context are:
The dog liability assurance: 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 liable for all damages of persons and vehicles. On the German insurance market there are many dog insurance providers. As a dog owner it is quite hard to find the best company and contract for your specific needs. The research for the best assurance can be done on the Internet. There are recommendable websites which offer cost-free comparisons of German dog owner assurances.
The property assurance: For a lot of owners 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 building assurance is essential for every house owner. The furniture is not insured. This should be done by a separate household inventory assurance. The elements of fire insurance and mains water insurance should always be included. Natural hazards might be a great risk for your house. So everybody should search a home insurance which is covering 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 private health assurance: Private medical assurance can be taken by business owners - regardless of their earnings. As an employee you may switch to the private sickness insurance, if your yearly 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 better performance than the governmental health insurance. Many insurance companies give the option of making modulation to the tariff of the active agreement.
The occupational disability insurance: Consumer advisers have repeatedly pointed out that the occupational inability assurance among the casualty insurance is the most important insurance generally. 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational invalidity cases is disease. Less common cause than illness 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 income gap when not having an occupational disablement assurance.
The auto indemnity insurance: If you get a car for yourself, you have to insure it. The car liability insurance is required by law - without proof of liability assurance already the admission of the car is impossible. The auto indemnity insurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part insurance cover can voluntarily be taken out. Hull insurances pay for damages of your own vehicle.
The German Riester-Pension: 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 concessions 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 governmental pension alone, should think about a Riester-Pension plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public allowance for Riester-Insurance agreements.
The above mentioned assurances and several more can be found at comparison sites on the Internet, such as: Rechtsschutzversicherung Vergleich. This comparison website is independent from a single assurance vendor and provides a nice overview of the market.