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The assurance market is opaque to most individuals. There are many assurance providers. As a client you can hardly get the overview. Nevertheless one wants to find the suitable solution. Nowadays it is a good choice to use a rate comparison site as Guenstige PKV Private Krankenversicherung, when you are searching a particular insurance. There you can obtain your personal assurance quotation from a great number of insurance companies.

Some important German insurances - for example Hausversicherung Gebaeudeversicherung Vergleich - which are mentioned in this context are:

The private liability assurance: Even a marginal mistake such as an error in giving way when bicycling, or a careless cast away cigarette may cause extensive damages. Especially when people come to tort, the claims of the victim may result in the financial ruin of the wrongdoer. There is no limitation to the top. Therefore the casualty assurance is essential for everyone. With a casualty insurance you and your family have protection from the typical liability risks of everyday life in the private sector.

The private medical assurance: Private sickness assurance can be taken by entrepreneurs - regardless of their salaries. As an employee you may switch to the private health insurance, 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 sickness insurance usually offers superior benefits than the statutory health assurance. Many assurers give the option of making modulation to the tariff of the active contract.

The house insurance: For most persons the own house is the biggest expense 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 homeowner. The furniture is not insured. This should be done by a separate household items insurance. The elements of fire assurance and supply water insurance should always be included. Natural hazards might be a great risk for your property. So everybody should search a building 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 German Riester-Pension: 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 an old-age pension or a payment plan. Each employed professional, who is not willing to rely on the national pension exclusively, should take into consideration a Riester-Pension agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Assurance contracts.

The occupational inability 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 vocational inability cases is illness. Less common cause than illness is a previous accident. About every 4th worker and every 5th employee must terminate their jobs for illness 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 supply gap when not having an occupational disability insurance.

The dog owner insurance: 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 supplier and contract for your specific requirements. The research for the best insurance can be done via Internet. There are good websites which offer cost-free comparisons of German dog liability assurances.

The above mentioned assurances and several more can be found at comparison sites on the Internet, such as: Guenstigste Rechtsschutzversicherung. This comparison site is independent from a single assurance provider and gives a nice overview of the market.