The assurance market is ambigious to most persons. There are many assurance vendors. As a private person you can hardly get the overview. Nevertheless one wants to find the fitting solution. Nowadays it is a good choice to use a price comparison web page as Preiswerte Unfallversicherung, when you are searching a particular assurance. There you can obtain your individual assurance quotation from a great number of assurance companies.
Some important German insurances - e.g. Vergleich private Rentenversicherung - which are mentioned in this context are:
The dog owner 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 assurance market there are many dog assurance offerers. As a dog owner it is quite hard to find the right provider and contract for your specific needs. The research for the right assurance can be done on the Internet. There are advisable sites which offer free comparisons of German dog owner assurances.
The home assurance: For many persons the own house is the most important expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a home insurance is essential for every house owner. The furniture is not insured. This should be done by a separate household assurance. The elements of fire assurance and mains water assurance should always be included. Natural hazards might be a great risk for your property. So everybody should look for 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 medical insurance: Private medical insurance can be taken by entrepreneurs - regardless of their salaries. As an employee you may switch to the private sickness insurance, if your yearly gross income lies 3 years in a row over the insurance 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 assurance usually offers better benefits than the national health insurance. Many insurers give the option of making modulation to the tariff of the active agreement.
The vocational disability assurance: Consumer protectors have repeatedly pointed out that the vocational disablement insurance besides the private liability assurance is the most important assurance 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 occupational disablement cases is illness. Less common cause than illness is a previous accident. About every 4th worker and every 5th employee must quit their jobs for sickness reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the sickness assurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an occupational disability assurance.
The car casualty insurance: If you get a car for yourself, you have to insure it. The automobile casualty insurance is required by law - without proof of casualty insurance already the admission of the car is impossible. The car casualty 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 assurances pay for damages of your own vehicle.
The German Riester-Insurance: The so called Riester-Insurance 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 privileges 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 national pension solely, should think about a Riester-Assurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Insurance contracts.
The above mentioned insurances and several more can be found at comparison websites on the Internet, such as: Riester Rente Vergleich. This comparison web page is independent from a single insurance vendor and provides a good overview of the market.