However, more comprehensive separate insurance companies are a little more expensive, depending on the sum insured. For a system up to 30,000 euros, the costs are around 90 euros annually, for plants up to 50,000 euros at around 150 to 200 euros.
Professional advice can help find the right solution for your own needs. This applies to both the heat pump itself and the insurance.
Not all damage can be insured. Normal wear and tear and wear are generally not under insurance coverage. Involved damage by the policyholder is also excluded. There is also no insurance damage due to failure to maintain maintenance, here the responsibility lies with the owner.
Heat pump owners are also liable for all damage caused by their system. These can be personal injury if someone is injured in the heat pump or damage to property on the property of third parties. If there is no installation or manufacturing errors, the owner can also be liable for environmental damage due to escaping refrigerants. Private liability insurance covers these risks.
Special heat pump insurance is not necessary for everyone. Anyone who has a permanently installed system is often adequately protected by residential building insurance. Additional protection can only be sensible for free -standing systems or special risks.
Owners should first check the existing insurance and speak to their insurer. A small adjustment of the policy is often sufficient. If you choose additional protection, you should compare various offers and pay attention to the small print.
The cost of insurance is usually moderate in relation to the investment. However, it is more important than the price that protection fits the individual needs. Independent advice can help make the right decision.
