The insurance market is opaque to most individuals. There are many insurance companies. As a customer you can hardly get the overview. Nevertheless one wants to obtain the fitting solution. Nowadays it is a good choice to use a tariff comparison website as Beste Hausratversicherung, when you are searching a particular insurance. There you can get the right assurance offer from a great number of assurance vendors.

Some important German insurances - for example Preisvergleich BU Berufsunfaehigkeitsversicherung - which are mentioned in this context are:

The private liability insurance: Even a small mistake e.g. a lapse in giving way when bicycling, or a careless cast off cigarette may cause huge damages. Especially when people come to harm, the claims of the victim may result in the financial ruin of the author of damage. There is no limitation to the top. Therefore the indemnity assurance is a necessity for everyone. With an indemnity insurance you and your family have protection from the typical liability risks of everyday life in the private sector.

The property insurance: For most people the own house is the most important investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property assurance is essential for every house owner. The furniture is not insured. This should be done by a separate household inventory insurance. The elements of fire insurance and mains water assurance should always be included. Natural hazards might be a great risk for your home. So everybody should search a home assurance which includes these special risks. Insurance protection against storm damage should definitely be considered because of the rise of heavy storms during the past years in Germany.

The vocational inability insurance: Consumer advisers have repeatedly pointed out that the vocational disablement insurance among the indemnity assurance is the most important insurance actually. 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 assurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational disability cases is illness. Less common cause than disease 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 medical insurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an vocational invalidity insurance.

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 incentives as a bonus. Later you will receive monthly benefits a lifetime - in the form of an old-age pension or a payment plan. Each employed professional, who is not willing to rely on the national pension alone, should consider a Riester-Pension contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Pension contracts.

The dog liability insurance: Without a dog liability insurance 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 responsible for all damages of persons and vehicles. On the German insurance market there are many dog assurance providers. As a dog owner it is not easy to find the best supplier and contract for your specific needs. The research for the best assurance can be done online. There are good websites which offer cost-free comparisons of German dog owner insurances.

The private health assurance: Private health assurance can be taken by self-employed people - regardless of their salaries. As an employee you may switch to the private sickness assurance, if your annual 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 medical insurance usually offers higher performance than the national health insurance. Many assurance vendors give the option of making modulation to the tariff of the active agreement.

The above mentioned assurances and several more can be found at comparison web pages on the Internet, such as: Pferdeversicherung Preisvergleich. This comparison web page is independent from a single insurance vendor and provides a nice overview of the market.