← Property & liability insurance · Vermögenssicherungspolice
Property & liability insurance · Vermögenssicherungspolice
Personal liability, accident, household contents, glass, homeowners, travel and more, all bundled into Generali's Vermögenssicherungspolice (all-in-one property & liability policy). One premium, one contact person, with a best-performance guarantee and up to 25 % customer bonus. Put together personally with you.
01 · The principle
Most families have their cover scattered across four or five separate contracts, with different providers and different terms. Generali's Vermögenssicherungspolice brings your personal assets under one roof: one contract, one premium, one contact person. That lowers your premium and gives you a clear overview of your protection.
At its core there are always personal liability, accident, household contents and household glass. Homeowners, travel, photovoltaics and the health module come in as needed, and car insurance and legal expenses can be added. You put together exactly the package that fits your life.
02 · The modules
Every module is full cover in its own right, also available on its own. In the Vermögenssicherungspolice they mesh together, with just one premium and the full bundle advantage.
Core module
The single most important cover: up to 50 million € for the whole family. More on personal liability →
Core module
Your belongings at replacement value, with all-risks cover. More on household contents insurance →
Optional
Your house at index-linked replacement value, with all-risks cover. More on homeowners insurance →
Core module
Financial security if an accident leaves lasting effects, worldwide and around the clock.
Core module
Glass breakage throughout the home, and your smartphone too.
Included & optional
Cover on the road and in everyday life, with many services included as standard.
Want even more under one roof? You can add car insurance and legal expenses cover, raising your bundle advantage further. Which modules make sense for you is something we look at together.
03 · Example claims
As varied as everyday losses are, so varied your contracts would otherwise be. In the Vermögenssicherungspolice each module steps in where it belongs, and you have just one contact person.
04 · Guarantees
Good insurance isn't just the one with the most check marks today, but the one still up front in five years' time. That's exactly what Generali's best-performance guarantee secures.
On top of that comes the seamless switch: your new protection applies immediately, without waiting for your old contracts to end.
05 · Who it's for
Liability, household contents, accident and glass all at once, with the whole family included at no extra cost. One contract that covers every area of life and gets cheaper with each line you add.
If you own or build a house, you bring homeowners, photovoltaics and household contents under one roof. Index-linked replacement value and all-risks XXL give security, and the bundle advantage lowers your premium.
Little admin, a clear overview, one contact person for all your personal cover. Legal expenses and car insurance can be added, so that private and professional matters all come from one source.
06 · Frequently asked questions
A combined property & liability product from Generali: one contract, many modules, one premium and one contact person. At its core are personal liability, accident, household contents and household glass; on top you choose homeowners, travel or photovoltaics. Car insurance and legal expenses can be added. That way your personal assets are protected all round, without you having to juggle four or five separate policies.
The bonus depends on the number of lines you bundle: 3 lines earn 10 %, 4 lines 15 %, 5 lines 20 % and 6 lines 25 %. The more you cover under one roof, the higher the bonus. There are also further discounts when you include car insurance, legal expenses or the health module.
If you find a better term on the market for personal liability, household contents, household glass or homeowners cover, Generali settles a claim to that better standard. This applies for five years and at no extra premium. So your cover automatically stays at the level of the market.
Yes. Thanks to gap coverage (Differenzdeckung), your new protection applies immediately, even while an old policy is still running. In a claim, it is topped up to the full protection of the Vermögenssicherungspolice. On top of that, for five years Generali honors better benefits or higher limits from your previous contract. That means 100 % protection from day one.
The premium depends on the modules you choose, your living situation and the number of lines, so there is no flat rate. Thanks to the customer bonus of up to 25 %, the bundle is often cheaper than several separate policies. We work out the exact premium transparently for your situation in a personal conversation.
Your next step
We go through your current situation calmly, look at what you already have, and put together exactly the modules that fit your life. Free of charge, without obligation, in person in Lüdenscheid or via video.
Example benefits and claims scenarios (as of 2026), simplified and rounded. Solely the insurance terms and tariffs of Generali Deutschland Versicherung AG are authoritative. Your specific coverage is defined by your insurance policy. The premium depends on the modules you choose, the number of lines and your personal situation. Eduard Strekert is a financial advisor for Deutsche Vermögensberatung AG (DVAG), tied agent, and acts as an insurance intermediary under Sec. 34d GewO (German Trade Regulation). This page is non-binding information and does not replace individual advice.
Free of charge and without obligation. I will get back to you to confirm.
