Anyone who owns property, whether living in it or letting it, can quickly end up in legal disputes. Arguments with neighbours over property boundaries, conflicts with tradespeople after renovation, disputes over building work or claims arising from a tenancy: property legal expenses insurance (Immobilienrechtsschutz) gives you the legal backing you need in exactly these areas.
Property legal expenses insurance differs from general private legal expenses insurance (Privatrechtsschutz) because it is aimed specifically at property-related disputes. It covers the costs of legal advice and court proceedings concerning land, buildings and tenancy law. Typical cases: claims for damages after water damage, disputes about service-charge statements, disagreements with the property manager or conflicts over easements.
For property owners who let several properties, property legal expenses insurance is especially valuable: it can be taken out for several properties and covers all related legal questions under one contract.
An often underrated benefit: even the initial consultation by phone with a specialist lawyer for property law is included in many tariffs. This gives quick orientation in a dispute without instructing an expensive lawyer straight away.
We advise you on which legal expenses cover makes sense for your property situation (own use, letting or both).
Property legal expenses insurance: benefits
Costs covered: Lawyers' fees, court costs, witness fees, experts/appraisers, official fees, the other side's litigation costs if you lose.
Disputes covered: Neighbour law disputes, landlord-tenant disputes, incorrectly calculated taxes, rent increases, boundary conflicts, short-term private letting (up to 6 weeks of home sharing), planning approval, land consolidation, expropriation and building procedures, charges for adjoining owners and development.
Not covered: Disputes about financing/planning of a new building. Expropriation of residential property is often excluded.
Extra benefits: Free initial consultation by phone, worldwide cover, mediation.
Tied to the property: Address and description of the property required (including garage, parking spaces). Included for owner-occupied property from the Komfort tariff. Premium for letting.