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For home construction, there are insurance policies that will step in if something goes wrong. If delays and damage occur during construction due to various circumstances, you can quickly incur high costs: You, as the builder, are liable for damages that happen during construction, must reacquire stolen materials and replace destroyed components of the shell of the building itself. You are also responsible for your helpers. In order to absorb the sometimes very high financial burdens that these risks entail, there are various home construction insurances available.

Several builder's insurances are important

In order to protect your building shell during the entire construction phase, it is not sufficient to take out a single insurance policy: Different policies take effect in the event of various damages. In addition, it also plays a role whether you as the builder are the injured party yourself or a third party. The following insurance policies, in combination, provide good coverage until your home is finally ready for occupancy.

I always advise my guests: book a cheap flight first, then the accommodation and last the rental car, without it almost nothing goes. Because the bus and train connections are poor in Sicily and only something for someone who brings a lot of time. So if you don't want to make a pure bathing vacation and also want to see something, you should definitely book a rental car. Especially since many consider the size of the island – after all, over 25.000 square kilometers – and underestimate the road conditions.

Tips for rental cars

Book in advance and in the high season (July, August, September) in time over the Internet. Preferably always with a fully comprehensive insurance, in which also glass and tire damages are included. Please make sure that the rental company is located in the terminal in case of cheap offers. This is the fastest way. Often there is a shuttle to the station. This means you have to call the rental company and they will drive you to the station. This can sometimes cost a lot of time. You will not get a car without a credit card and this should also be sufficiently loadable (ca. 2000 euros are advisable) because the sums for possible damages or theft are blocked, not deducted. Don't get talked into additional insurance at the airport. This is often tried, especially if you do not book directly with one of the major providers, but go through an Internet platform that acts as an intermediary. There you also submit the costs in case of accidents and other inconveniences, which will then be reimbursed. This means you pay in advance. You should have a close look at your car when you receive it and have any further scratches documented and, ideally, still take photos. Compare prices on the different portals. You will find a list at the end. If you are a member of the ADAC, you should also ask there for a quote for a rental car. Can sometimes be the cheapest offer.

Normally, a person in need of care is granted a necessary aid such as a care bed by the social long-term care insurance at the same time only in one and not in two pieces. However, there are also exceptions, as a court ruling shows.

France and Germany share a border of about 450 km and have a lot more in common. France, the largest country in the European Union in terms of area, and Germany, with the largest population, are the engines that drive the community of 27 states. They are also each other's main trading partners within the European Community.

With regard to the health system and medical care, there are similarities between the two countries, but also differences, with quite complicated regulations on both sides of the Rhine. For temporary stays in France, such as a vacation in Nice or a business meeting in Paris, one issue in particular is important when it comes to seeing a doctor in France:

With all the insurance products on the market and all the dangers to which our health, our safety and our assets are exposed, how is an ordinary mortal supposed to keep track of which insurance one really needs?? Put simply, if you've never heard of a particular insurance policy, you probably don't need it!

In this article, we provide you with information about which insurances are actually useful or even indispensable. To give you a quick overview of which insurances are important for you, we have divided this blog post into five categories: Insurance for