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Are heat pumps covered by property insurance?

The German government would like to see half a million heat pumps installed annually in Germany from 2024. Adversity includes a glaring shortage of equipment and trained installers. Already, there are repeated reports of heat pumps being stolen, which is hardly surprising given prices of up to 60,000 euros and the often unprotected location in front of the house. In such cases, but also in the event of damage caused by a storm, for example, the question arises as to the extent to which the building insurance will apply.

There is no general answer to this question. For one thing, some insurers exclude heat pumps completely because they are not part of the building, while others cover them if they are directly connected to the building. Second, the range of included perils varies. Residential building insurance does not usually cover theft and acts of unlawful vandalism

but does cover damage caused by fire, mains water or natural hazards. If you want to be on the safe side, you should check the coverage of your own building policy and, if in doubt, take out electronics insurance for the heat pump. For often less than ten euros per month, it covers not only theft and damage caused by vandalism, but also, for example, operating errors or overvoltage.

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