Smart Home Insurance

INSURANCE PROTECTION

Everything you need. Nothing more, nothing less.

Leitungswasser

Schäden infolge von Rohrbruch/-frost (z.B. an Wasserleitungen, Heizungsanlagen, Wärmepumpen, Schwimmbecken)

Schäden nach Bruch von Schläuchen (z.B. zur Wasch- oder Spülmaschine)

Kosten für den Mehrverbrauch von Gas, Wasser oder Öl nach einem Rohrbruch

Frost- und Bruchschäden im Gebäude (z.B. an Klimaanlagen, Heizungsanlagen, Gasleitungen, Armaturen)

Kosten für die Beseitigung von Rohrverstopfungen

bis 5.000€

Schäden an und durch Fußbodenheizungen

Schäden durch Wasseraustritt aus innenliegenden Regenfallrohren

Nässeschäden durch Aquarien, Wasserbetten oder Schwimmbecken

Feuer & Blitzschlag

Schäden infolge von Rohrbruch/-frost (z.B. an Wasserleitungen, Heizungsanlagen, Wärmepumpen, Schwimmbecken)

Schäden nach Bruch von Schläuchen (z.B. zur Wasch- oder Spülmaschine)

Kosten für den Mehrverbrauch von Gas, Wasser oder Öl nach einem Rohrbruch

Frost- und Bruchschäden im Gebäude (z.B. an Klimaanlagen, Heizungsanlagen, Gasleitungen, Armaturen)

Kosten für die Beseitigung von Rohrverstopfungen

bis 5.000€

Schäden an und durch Fußbodenheizungen

Schäden durch Wasseraustritt aus innenliegenden Regenfallrohren

Nässeschäden durch Aquarien, Wasserbetten oder Schwimmbecken

Sturm und Hagel

Schäden infolge von Rohrbruch/-frost (z.B. an Wasserleitungen, Heizungsanlagen, Wärmepumpen, Schwimmbecken)

Schäden nach Bruch von Schläuchen (z.B. zur Wasch- oder Spülmaschine)

Kosten für den Mehrverbrauch von Gas, Wasser oder Öl nach einem Rohrbruch

Frost- und Bruchschäden im Gebäude (z.B. an Klimaanlagen, Heizungsanlagen, Gasleitungen, Armaturen)

Kosten für die Beseitigung von Rohrverstopfungen

bis 5.000€

Schäden an und durch Fußbodenheizungen

Schäden durch Wasseraustritt aus innenliegenden Regenfallrohren

Nässeschäden durch Aquarien, Wasserbetten oder Schwimmbecken

Hausrat

Schäden infolge von Rohrbruch/-frost (z.B. an Wasserleitungen, Heizungsanlagen, Wärmepumpen, Schwimmbecken)

Schäden nach Bruch von Schläuchen (z.B. zur Wasch- oder Spülmaschine)

Kosten für den Mehrverbrauch von Gas, Wasser oder Öl nach einem Rohrbruch

Frost- und Bruchschäden im Gebäude (z.B. an Klimaanlagen, Heizungsanlagen, Gasleitungen, Armaturen)

Kosten für die Beseitigung von Rohrverstopfungen

bis 5.000€

Schäden an und durch Fußbodenheizungen

Schäden durch Wasseraustritt aus innenliegenden Regenfallrohren

Nässeschäden durch Aquarien, Wasserbetten oder Schwimmbecken

Kosten im Schadensfall

Schäden infolge von Rohrbruch/-frost (z.B. an Wasserleitungen, Heizungsanlagen, Wärmepumpen, Schwimmbecken)

Schäden nach Bruch von Schläuchen (z.B. zur Wasch- oder Spülmaschine)

Kosten für den Mehrverbrauch von Gas, Wasser oder Öl nach einem Rohrbruch

Frost- und Bruchschäden im Gebäude (z.B. an Klimaanlagen, Heizungsanlagen, Gasleitungen, Armaturen)

Kosten für die Beseitigung von Rohrverstopfungen

bis 5.000€

Schäden an und durch Fußbodenheizungen

Schäden durch Wasseraustritt aus innenliegenden Regenfallrohren

Nässeschäden durch Aquarien, Wasserbetten oder Schwimmbecken

Naturgefahren

Schäden infolge von Rohrbruch/-frost (z.B. an Wasserleitungen, Heizungsanlagen, Wärmepumpen, Schwimmbecken)

Schäden nach Bruch von Schläuchen (z.B. zur Wasch- oder Spülmaschine)

Kosten für den Mehrverbrauch von Gas, Wasser oder Öl nach einem Rohrbruch

Frost- und Bruchschäden im Gebäude (z.B. an Klimaanlagen, Heizungsanlagen, Gasleitungen, Armaturen)

Kosten für die Beseitigung von Rohrverstopfungen

bis 5.000€

Schäden an und durch Fußbodenheizungen

Schäden durch Wasseraustritt aus innenliegenden Regenfallrohren

Nässeschäden durch Aquarien, Wasserbetten oder Schwimmbecken

Weitere Leistungen

Schäden infolge von Rohrbruch/-frost (z.B. an Wasserleitungen, Heizungsanlagen, Wärmepumpen, Schwimmbecken)

Schäden nach Bruch von Schläuchen (z.B. zur Wasch- oder Spülmaschine)

Kosten für den Mehrverbrauch von Gas, Wasser oder Öl nach einem Rohrbruch

Frost- und Bruchschäden im Gebäude (z.B. an Klimaanlagen, Heizungsanlagen, Gasleitungen, Armaturen)

Kosten für die Beseitigung von Rohrverstopfungen

bis 5.000€

Schäden an und durch Fußbodenheizungen

Schäden durch Wasseraustritt aus innenliegenden Regenfallrohren

Nässeschäden durch Aquarien, Wasserbetten oder Schwimmbecken

Tap water

Damage from burst pipes/frost (e.g. to water pipes, heating systems, heat pumps, swimming pools)

Damage from hose breaks (e.g. to the washing machine or dishwasher)

Extra costs for additional consumption of gas, water or oil after a pipe burst

Frost and breakage damage in the building (e.g. to air conditioning systems, heating systems, gas pipes, fittings)

Costs for clearing pipe blockages

up to 5.000€

Damage to and from underfloor heating systems

Damage caused by water leaking from internal rainwater downpipes

Moisture damage caused by aquariums, waterbeds or swimming pools

Fire & lightning

Fire and lightning strike

Surge damage caused by lightning

Smoke and soot damage

Implosion and explosion

Deflagration and detonation

Collision with third-party vehicles

Heat damage (e.g. chimney fire)

Singeing and scorching damage

Storm & hail

Damage to building due to storm

Damage to buildings due to hail

Costs for the removal of fallen trees caused by storms

Costs for the restoration of horticultural plants damaged by storms

Natural hazards

Flooding (e.g. due to heavy rain or backwater)

Flooding of surface waters

Earth subsidence, landslide, sinkhole

Earthquake

Volcanic eruption

Avalanches, snow pressure

Costs in the event of damage

Clean-up and demolition costs

Soil decontamination costs

bis 250.000€

Movement and protection costs

Transportation and storage costs

Additional costs related to price increases

Additional costs due to official reconstruction requirements

Loss of rent for residential and commercial property (max. 36 months)

Hotel costs after claim (max. 12 months)

up to 200€ per day

Return travel costs from the vacation destination

up to 15.000€

Additional services

Grossly negligent conduct also insured

Waiver of underinsurance (with correct information)

General underinsurance waiver

up to 100.000€

Damage to photovoltaic systems (for rooftop installation)

Building damage caused by burglary

Graffiti damage

up to 15.000€

Damage due to strike and lockout

Future performance improvements apply automatically

Home contents

Furnishings, clothing, household appliances

Valuables

Cash

Jewelry & Watches

Certificates & Securities

FAQ

Do you have any further questions?

What is "underinsurance" and how do I protect myself against it?

An underinsurance occurs when the value of your house exceeds the sum for which you have insured it. This means that the reconstruction cost of the house exceeds the agreed insurance amount. If damage occurs, it can result in only partial reimbursement of costs. At Enzo, we waive the reduction of insurance benefits due to underinsurance, provided that your information is complete and accurate. Note: The insurance amount should still be chosen so that in the event of a total loss, you can rebuild your house to the same standard. While certain costs beyond the insurance amount may be reimbursed, such as debris removal, more money than the agreed insurance sum will not be paid for the reconstruction of the house. If you are unsure whether your current sum is correct, please feel free to contact us.

What is "gross negligence"?

A damage is considered to be caused by gross negligence if, for example, you forget a pan on the hot stove after cooking, causing your house to catch fire. These are damages that arise from thoughtless and reckless actions. In some insurance policies, performance reductions up to and including non-payment are provided for this case. With your residential building insurance at Enzo, damages caused by yourself are also covered.

When I sell my house, what happens to the insurance?

If you sell your house, the insurance coverage transfers to the new owner. If the buyer does not wish to continue the home building insurance, they must cancel it themselves within one month. It's advisable to inform us about the sale and ideally provide the new owner's details.

Why does the premium for my building insurance increase annually?

The premium for your building insurance is based on the sliding new value factor. This factor adjusts annually to reflect current construction cost developments, which may include rising costs (also known as an adjustment factor). This ensures that adequate coverage is always maintained, preventing underinsurance of your property. The advantage of this approach is that in the event of a total loss, the insurer will reimburse the current rebuilding value. This annual premium adjustment through the sliding new value factor applies to every building insurance policy, regardless of the provider.

What does the Enzo building insurance cover?

With our building insurance, your house is protected against damage from fire and lightning, water pipe leaks, storm and hail, as well as natural disasters. Covered damages include those to building components such as roofs, walls, doors, windows, balconies, and terraces. Also included in the insurance coverage are permanently installed fixtures inside the house, such as built-in furniture, bathtubs, heating systems, and permanently laid flooring. Additionally, your policy covers damages to photovoltaic systems on the roof, building damage caused by burglary, and graffiti damage. For a detailed overview of all benefits, please refer to the Insurance Coverage section.

Do I need homeowners insurance?

If you want to repair damages to your home, it can quickly cost a fortune. There are also potential risks that could completely destroy your home, such as fire. Often, personal savings are not sufficient to cover the full repair costs. With a homeowners insurance policy, it steps in and covers all expenses. This protects you from financial or even existential ruin. By the way, if you financed your home purchase with a loan, most banks require homeowners insurance as a mandatory requirement.

We don't live in a flood zone, do I still need elemental protection?

Even if you don't live near a body of water, the consequences of heavy rainfall or other severe weather disasters can still affect your home. The flood catastrophe in 2021 serves as an example of this. Floods are just one natural event that poses a potential threat to your home. Severe storms and significant hailstorms occur more frequently and can happen anywhere. Additionally, with elemental protection, you are also covered for damages caused by earthquakes, landslides, snow pressure, and avalanches. This coverage ensures that you are protected against a wide range of natural disasters, providing peace of mind for unexpected events that could impact your home.

How much does homeowners insurance cost?

We calculate the cost of your insurance individually for you. The amount is determined based on various factors, including building type, location, size, construction type, and use. Just enter your address, and our program will calculate a preliminary offer for your home using the available data.

How do I know Enzo is safe?

Our insurance coverage is provided by financially strong insurance partners, ensuring that coverage for damages to your home is always guaranteed. With Enzo, you receive the insurance protection of an established insurer regulated by BaFin (German Federal Financial Supervisory Authority), while benefiting from the simplicity and user-friendliness of a modern technology company.

What costs are covered by homeowners insurance?

Your homeowners insurance covers repair costs and rebuilding in the event of damage. This also includes cleanup and demolition work necessary to remove the damage. If your home is uninhabitable due to the damage, the insurance also covers accommodation costs in a hotel for the duration of the repairs. For a detailed overview, see the Costs in the Event of Damage section.

Homeowners insurance and home contents insurance - what are the differences?

The homeowners and home contents insurance covers similar causes of damage - from fire to water damage. Which insurance kicks in depends on what was damaged: If damage occurs to the building itself, outbuildings, or permanently attached objects, the homeowners insurance comes into play. Covered, for example, are house walls, your fitted kitchen, or water pipes. In contrast, a home contents insurance only covers your household effects - this includes all movable furnishings and utility items.

Do I have to report renovation and construction measures?

Yes, it's important to inform us about any structural changes, whether additions, alterations, or renovations. Based on this information, your insurance premium may change, as the value of your home is affected by these changes.

Building insurance
for smart homeowners

Enzo homeowners insurance with one.drop leakage sensor

Deine Gebäudeversicherung, dein Statement.

Your building insurance,
your statement.

Unkompliziert

Für dich gemacht

Bezahlbar

Everything you need. Nothing more, nothing less.

Your home deserves more. We protect you from damages before they occur.

With our sensor, you are also protected against water damage

What our customers say about our solutions

I can only warmly recommend Enzo homeowners insurance.

Damn satisfied

Do you have any further questions?

Write us

Building insurancefor smart homeowners

Enzo homeowners insurance with one.drop leakage sensor

Deine Gebäudeversicherung, dein Statement.

Your building insurance,your statement.

Unkompliziert

Für dich gemacht

Bezahlbar

Everything you need. Nothing more, nothing less.

Your home deserves more. We protect you from damages before they occur.

With our sensor, you are also protected against water damage

What our customers say about our solutions

I can only warmly recommend Enzo homeowners insurance.

Damn satisfied

Do you have any further questions?

Write us

Building insurance
for smart homeowners

Your building insurance,
your statement.