{"text_format":"1","workbook":"xlsx","n_sheets":13,"sheets":["Tapete VGV","Ergebnis VGV","Ergebnis VHV","Tapete PHV","Ergebnis PHV","Tapete THV-Hund","Ergebnis THV-Hund","Tapete THV-Pferd","Ergebnis THV-Pferd","Tapete VHV","Leer","Tapete Immo HV","Ergebnis Immo HV"],"not_rendered":{"charts":0,"images":12,"macros":1,"external_links":0,"defined_names":18,"comments":1,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

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["Wohngebäudeversicherung Tarifvergleich"]
[]
["Vergleich der Tarifvarianten compact, classic und comfort mit früheren Tarifständen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht."]
[]
["Tarif",null,"07.2015","07.2015","07.2015","07.2014","07.2014","07.2014","01.2013","01.2013","07.2011","07.2011","01.2009","01.2009","01.2008","01.2008","01.2006","01.2006","07.2005","07.2005","01.2005","01.2005","10.2003","10.2003","01.2002","01.2002","07.1998","07.1998","07.1998","01.1997","01.1997","01.1992","07.1990","07.1990","08.1991","02.1986","02.1984","08.1982","12.1979","10.1978"]
["Bedingungen",null,"AL-VGB 2010","AL-VGB 2010","AL-VGB 2010","AL-VGB 2010","AL-VGB 2010","AL-VGB 2010","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2005","AL-VGB 2005","AL-VGB 2005","AL-VGB 2005","AL-VGB 2005","AL-VGB 2005","VGB 88","VGB 88","VGB 88","VGB 88","VGB 88","VGB 88","VGB 88","VGB 88","VGB 88","VGB 88","VGB 88","VGB 88","VGB 62","VGB 62","VGB 62","VGB 62","VGB 62","VGB 62"]
["Vertragsbestandteil",null,"S 92.9","S 92.9","S 92.9","S 92.8","S 92.8","S 92.8","S 92.7","S 92.7","S 92.6","S 92.6","S 73.9","S 73.9","S 73.8","S 73.8","S 73.7","S 73.7","S 73.6","S 73.6","S 73.5","S 73.5","S 73.4","S 73.4","S 73.3","S 73.3","S 73.2","S 73.2","S 73.2","S 73.1","S 73.1","S 49.2","S 49.1","S 49.1","S 55.6","S 55.5","S 55.4","S 55.3","S 55.2","S 55.1"]
["Deklaration",null,"compact","classic","comfort","compact","classic","comfort","XL-Schutz","XXL-Schutz","XL-Schutz","XXL-Schutz","XL-Schutz","XXL-Schutz","XL-Schutz","XXL-Schutz","XL-Schutz","XXL-Schutz","XL-Schutz","XXL-Schutz","XL-Schutz","XXL-Schutz","XL-Schutz","XXL-Schutz","XL-Schutz","XXL-Schutz","Basis-Light","Basis","Service","Basis","Service","Deklaration","Grunddeklaration","Servicedeklaration","Deklaration","Deklaration","Deklaration","Deklaration","Deklaration","Deklaration"]
["Selbstbehalt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"40,90 EUR für Sturm","entfällt","entfällt"]
["Versicherte Gefahren",null,"F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St/H","F, LW, St","F, LW, St","F, LW, St","F, LW, St","F, LW, St","F, LW, St"]
[]
["Anprall / Absturz unbemannter Flugkörper",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","l","l","l","l","-","-","-","-","-","-","-","-","-"]
["Anprall von fremden Kraft-, Schienen- oder Wasserfahrzeugen",null,"-","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Anprall von fremden Kraft- oder Schienenfahrzeugen",null,"-","-","-","-","l","l","-","l","-","l","-","l","-","l","-","l","-","l","-","l","-","l","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Aufräumungs-, Abbruch-, Bewegungs- und Schutzkosten",null,"5%","50%","l","5%","50%","l","25.000 EUR","l","25.000 EUR","l","25.000 EUR","l","10 %","l","10 %","l","10 %","l","10 %","l","10 %","l","10 %","l","5 %","5 %","10 %","5 %","10 %","5 %","5 %","10 %","3 %","3 %","3 %","3 %","3 %","3 %"]
["Aufräumungs- und Wiederaufforstungskosten für umgestürzte Bäume",null,"-","10.000 EUR","20.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Aufräumungskosten für Bäume nach einem Sturm / Wiederaufforstung von Bäumen",null,"-","-","-","-","10.000 EUR","20.000 EUR","1.500 EUR","5.000 EUR","1.500 EUR","5.000 EUR","1.500 EUR","5.000 EUR","1.500 EUR","5.000 EUR","1.500 EUR","5.000 EUR","1.500 EUR/ ./.","5.000 EUR/2.500 EUR","1.500 EUR/ ./.","5.000 EUR/2.500 EUR","1.500 EUR/ ./.","5.000 EUR/2.500 EUR","1.500 EUR/ ./.","5.000 EUR/2.500 EUR","-","-","1.534 EUR/ ./.","-","1.534 EUR/ ./.","Einschluss gegen Zuschlag/ ./.","-","-","-","-","-","-","-","-"]
["Außenwandverkleidungen",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-"]
["Beseitigung von Graffiti",null,"-","2.500 EUR4","10.000 EUR*","-","2.500 EUR4","10.000 EUR*","-","2.500 EUR, SB 500 EUR","-","2.500 EUR, SB 500 EUR","-","2.500 EUR, SB 500 EUR","-","2.500 EUR, SB 500 EUR","-","2.500 EUR, SB 500 EUR","-","2.500 EUR, SB 500 EUR","-","2.500 EUR, SB 500 EUR","-","2.500 EUR, SB 500 EUR","-","2.500 EUR, SB 500 EUR","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","-","-","-","-","-","-","-","-","-"]
["Blindgängerschäden",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Bruchschäden an Waschmaschinen- und Spülmaschinenschläuchen",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Bruchschäden an Armaturen",null,"-","250 EUR","1.000 EUR","-","250 EUR","1.000 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","256 EUR*","256 EUR*","256 EUR*","256 EUR*","256 EUR*","-","-","-","-","-","-","-","-","-"]
["Bruch von Gasrohren",null,"-","5.000 EUR","l","-","5.000 EUR","l","-","5.000 EUR*","-","5.000 EUR*","-","5.000 EUR*","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Datenrettungskosten in der Privatversicherung",null,"-","-","500 EUR*","-","-","500 EUR*","-","500 EUR*","-","500 EUR*","-","500 EUR*","-","500 EUR*","-","500 EUR*","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Dekontamination von Erdreich",null,"-","100.000 EUR","l","-","100.000 EUR","l","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","-","-","51.129 EUR/\n25 % SB/Schaden","-","51.129 EUR/\n25 % SB/Schaden","-","-","-","-","-","-","-","-","-"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse (Stand 05.12.2013)",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Feuerlöschkosten",null,"10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Feuer-Nutzwärmeschäden",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","l","l","l","l","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","-","-","-","-","-","-"]
["Feuer-Rohbauversicherung",null,"12 Monate","-","-","12 Monate","-","-","12 Monate","-","12 Monate","-","12 Monate","-","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","-","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","12 Monate","12 Monate","12 Monate","12 Monate","12 Monate","12 Monate","6 Monate","6 Monate"]
["Feuer-Rohbauversicherung erweitert (zusätzlich Leitungswasser und Sturm/Hagel)",null,"-","12 Monate","24 Monate","-","12 Monate","24 Monate","-","24 Monate","-","24 Monate","-","24 Monate","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Frost- und Bruchschäden (seit 07.2014)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["    Erweiterte Rohrleitungsversicherung",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ an sonstigen Zuleitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungs-\n   grundstücks, sofern der Versicherungsnehmer die Gefahr trägt",null,"-","5 %**","10 %**","-","5 %**","10 %**","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ an Rohren der Regenwasseraufbereitungsanlage (Zisterne) innerhalb und außerhalb versicherter Gebäude, die auf dem Versicherungsgrundstück unterirdisch verlegt sind und der Versorgung versicherter Gebäude oder Anlagen dienen, sofern es sich nicht um Leitungen zur Zisterne handelt",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ an Ableitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungsgrundstück, die der Entsorgung versicherter Gebäude oder Anlagen dienen, soweit der Versicherungsnehmer zur Unterhaltung verpflichtet ist.",null,"-","-","1.500 EUR","-","-","1.500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Paket Ableitungsrohre (seit 07.2014)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ Frostbedingte und sonstige Bruchschäden an den Ableitungsrohren der Wasserversorgung, die der Entsorgung versicherter Gebäude oder Anlagen dienen, soweit der VN zur Unterhaltung verpflichtet ist.",null,"¡ 2.500 EUR / \n5.000 EUR5","¡ 2.500 EUR / \n5.000 EUR5","¡ 2.500 EUR / \n5.000 EUR5","¡ 2.500 EUR / \n5.000 EUR5","¡ 2.500 EUR / \n5.000 EUR5","¡ 2.500 EUR / \n5.000 EUR5","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Frost- und Bruchschäden (01.2008-01.2013)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude",null,"-","-","-","-","-","-","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen",null,"-","-","-","-","-","-","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["    Erweiterte Rohrleitungsversicherung",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ an sonstigen Zuleitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungs-\n   grundstücks, sofern der Versicherungsnehmer die Gefahr trägt",null,"-","-","-","-","-","-","5 %**","10 %**","5 %**","10 %**","5 %**","10 %**","5 %**","10 %**","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Frost- und Bruchschäden (10.2003-01.2007)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ an sonstigen Zuleitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungs-\n   grundstücks, soweit der Versicherungsnehmer zur Unterhaltung verpflichtet ist",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","5 %**","10 %**","5 %*","10 %*","5 %*","10 %*","5 %*","10 %*","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Ableitungsrohre (10.2003-01.2013)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ Frostbedingte und sonstige Bruchschäden an Ableitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungsgrundstücks, die der Entsorgung versicherter Gebäude oder Anlagen dienen, soweit der VN zur Unterhaltung verpflichtet ist.",null,"-","-","-","-","-","-","¡ 1.500 EUR / \n3.000 EUR***","¡ 1.500 EUR / \n3.000 EUR***","¡ 1.500 EUR / \n3.000 EUR***","¡ 1.500 EUR / \n3.000 EUR***","¡ 5.000 EUR*","¡ 5.000 EUR*","¡ 5.000 EUR*","¡ 5.000 EUR*","¡ 5.000 EUR*","¡ 5.000 EUR*","¡ 5.000 EUR**","¡ 5.000 EUR**","¡ 5.000 EUR**","¡ 5.000 EUR**","¡ 5.000 EUR**","¡ 5.000 EUR**","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Frost- und Bruchschäden (01.1997-01.2002)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-"]
["§ an sonstigen Zu- und Ableitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungs-\n   grundstücks, soweit der Versicherungsnehmer zur Unterhaltung verpflichtet ist",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["1. Zuleitungsrohre",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","5 %*","10 %*",null,"1 %**","5 %**","1 %**","5 %**","-","-","-","-","-","-","-","-","-"]
["2. Ableitungsrohre",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","1.000 EUR*","5.000 EUR*",null,"511 EUR**","5.112 EUR**","511 EUR**","5.112 EUR**","-","-","-","-","-","-","-","-","-"]
["Frost- und sonstige Bruchschäden an Wasserzuleitungs- und Heizungsrohren (01.1992)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","-","-","-","-","-","-","-","-"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","-","-","-","-","-","-","-","-"]
["§ außerhalb des Versicherungsgrundstücks, die zur Versorgung versicherter Gebäude/Anlagen dienen, soweit der Versicherungsnehmer dafür die Gefahr trägt",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","5 %","-","-","-","-","-","-","-","-"]
["Frost- und sonstige Bruchschäden an Ableitungsrohren ",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-",null,"-","-","-","-","-","-","-","-"]
["§ auf dem Versicherungsgrundstück außerhalb versicherter Gebäude, soweit diese Rohre der Entsorgung versicherter Gebäude oder Anlagen diesen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","511 EUR","-","-","-","-","-","-","-","-"]
["Frost- und sonstige Bruchschäden an Wasserzuleitungs- und Heizungsrohren (07.1990)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","-","-","-","-","-","-"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","-","-","-","-","-","-"]
["§ außerhalb des Versicherungsgrundstücks, die zur Versorgung versicherter Gebäude oder Anlagen dienen, soweit der Versicherungsnehmer dafür die Gefahr trägt",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","5 %","10 %","-","-","-","-","-","-"]
["§ auf dem Versicherungsgrundstück, die nicht der Versorgung versicherter Gebäude oder Anlagen diesen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","3 %","-","-","-","-","-","-"]
["Frost- und sonstige Bruchschäden an Ableitungsrohren ",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-",null,"-","-","-","-","-","-"]
["§ auf dem Versicherungsgrundstück, außerhalb versicherter Gebäude, soweit diese Rohre der Entsorgung versicherter Gebäude oder Anlagen diesen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","511 EUR","3 %","-","-","-","-","-","-"]
["Schäden an Ableitungsrohre außerhalb des Versicherungsgrundstücks zur Entsorgung versicherter \nGebäude/Anlagen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","-","-","-","-","-","-"]
["Schäden durch Rohrbruch oder Frost (10.1978-01.1985)",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","l","l","l"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","l","l","l"]
["§ außerhalb des Versicherungsgrundstücks, die zur Versorgung versicherter Gebäude oder Anlagen dienen, soweit der Versicherungsnehmer zur Unterhaltung dieser Anlagen verpflichtet ist",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","l","l","wenn vereinbart"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem  \n   Versicherungsgrundstück, nicht zur Versorgung versicherter Gebäude oder Anlagen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","wenn vereinbart","wenn vereinbart","wenn vereinbart","wenn vereinbart","wenn vereinbart","wenn vereinbart"]
["Gartenhäuser (ohne Gewächshäuser)",null,"-","5.000 EUR*","10.000 EUR*","-","5.000 EUR*","10.000 EUR*","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Gewächshäuser bis 10 qm",null,"-","-","500 EUR","-","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Garten- und Gewächshäuser bis 10 qm",null,"-","-","-","-","-","-","-","1.500 EUR*","-","1.500 EUR*","-","1.500 EUR*","-","1.500 EUR*","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Gebäudebeschädigung infolge Einbruch durch unbefugte Dritte",null,"-","5.000 EUR","10.000 EUR","-","5.000 EUR","10.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","-","-","2.556 EUR","-","2.556 EUR","-","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","-","-","-","-","-","-"]
["Genereller Unterversicherungsverzicht",null,"1.000 EUR","3.000 EUR","5.000 EUR","1.000 EUR","3.000 EUR","5.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Geothermie- und Solarthermieanlage",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Grobe Fahrlässigkeit",null,"-","l","l","-","l","l","-","l","-","bis 1.000 EUR, darüber \n50 % des Schadens, \nmax. 50.000 EUR","-","bis 1.000 EUR, darüber \n50 % des Schadens, \nmax. 50.000 EUR","-","bis 1.000 EUR, darüber \n50 % des Schadens, \nmax. 50.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Hotelkosten für die eigengenutzte Wohnung",null,"50 EUR pro Tag, max. 120 Tage","100 EUR pro Tag, max. 180 Tage","150 EUR pro Tag, max. 200 Tage","50 EUR pro Tag, max. 120 Tage","100 EUR pro Tag, max. 180 Tage","150 EUR pro Tag, max. 200 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","50 EUR pro Tag, max. 100 Tage","100 EUR pro Tag, max. 100 Tage","-","-","61 EUR pro Tag, max. 100 Tage","-","61 EUR pro Tag, max. 100 Tage","-","-","-","-","-","-","-","-","-"]
["Implosion",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","l","-","l","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Innenliegende Regenfallrohre",null,"-","10.000 EUR","l","-","10.000 EUR","l","-","l",null,"l","-","l","-","l","-","l","-","l","-","l","-","l","-","l","l*","l*","l*","l*","l*",null,"-","-","-","-","-","-","-","-"]
["Innovationsklausel/ Künftige Bedingungsverbesserungen",null,"-","l","l","-","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kosten der Ermittlung und Feststellung des Schadens",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kosten für den Wiederaufbau von Hausrat",null,"-","-","5.000 EUR","-","-","5.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kosten für provisorische Maßnahmen, Notreparaturen",null,"-","-","l","-","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kosten für Transport und Lagerung",null,"-","2.500 EUR, max. 12 Monate","5.000 EUR, max. 12 Monate","-","2.500 EUR, max. 12 Monate","5.000 EUR, max. 12 Monate","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Leistungsgarantie gegenüber den GDV-Musterbedingungen (Stand 01.01.2013)",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mehrkosten für alters- und behindertengerechten Wiederaufbau (ab einer Schadenhöhe von 25.000 EUR)",null,"-","-","10.000 EUR","-","-","10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mehrkosten für behördlich nicht vorgeschriebene energetische Modernisierung",null,"-","5.000 EUR","10.000 EUR","-","5.000 EUR","10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mehrkosten für Gebäudewiederherstellung mit umweltfreundlichen Baustoffen",null,"-","-","10.000 EUR","-","-","10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mehrkosten durch behördliche Auflagen/ durch Wiederherstellungsbeschränkungen",null,"50.000 EUR","75.000 EUR","l","50.000 EUR","75.000 EUR","l","25.000 EUR","l","25.000 EUR","l","25.000 EUR","l","10 %","l","10 %","l","10 %","l","10 %","l","10 %","l","10 %","l","5 %","5 %","10 %","5 %","10 %","5 %","5 %","10 %","-","-","-","-","-","-"]
["Mehrkosten durch behördliche Auflagen/ Wiederherstellungsbeschränkungen - für Restwerte -",null,"l","l","l","l","l","l","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR","50.000 EUR","100.000 EUR",null,null,"51.129 EUR",null,"51.129 EUR","5 %","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","-","-","-","-","-","-"]
["Mehrkosten durch Preissteigerung (Preisdifferenzversicherung)",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-"]
["Mehrkosten durch technologischen Fortschritt",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mietausfall für Gewerberäume",null,"6 Monate","24 Monate","36 Monate","6 Monate","24 Monate","36 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate",null,null,null,null,null,"-","-","-","-","-","-","-","-","-"]
["Mietausfall und Mietwert für Wohnräume",null,"6 Monate","24 Monate","36 Monate","6 Monate","24 Monate","36 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","24 Monate","12 Monate","12 Monate ","24 Monate","12 Monate","24 Monate","12 Monate","12 Monate","12 Monate","12 Monate","12 Monate","12 Monate","12 Monate","-","-"]
["Mietausfall bei Auszug des Mieters infolge eines Schadens",null,"-","3 Monate","6 Monate","-","3 Monate","6 Monate","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mietausfall bei unterbliebener Vermietung infolge eines Schadens",null,"-","24 Monate","36 Monate","-","24 Monate","36 Monate","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Nebengebäude, soweit Versicherungsschutz beantragt",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l"]
["Photovoltaikanlagen",null,"bis 10 kWp","l","l","bis 10 kWp","l","l","bis 10 kWp","l","bis 10 kWp","l","bis 10 kWp","l","bis 10 kWp","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Prämienbefreiung bei Arbeitslosigkeit",null,"-","-","12 Monate","-","-","12 Monate","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Rauch- und Rußschäden",null,"-","l","l","-","l","l","-","l","-","l","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Rückreisekosten aus dem Urlaub (ab einer Schadenhöhe von 10.000 EUR)",null,"-","5.000 EUR","l","-","5.000 EUR","l","1 %","l","1 %","l","1 %","l","1 %","l","1 %","l","1 %","l","1 %","l","1 %","l","1 %","l","-","-","l %","-",null,null,"-","-","-","-","-","-","-","-"]
["Sachverständigenkosten (ab Schadenhöhe 25.000 EUR)",null,"-","80 %, max. 5.000 EUR","80 %","-","80 %, max. 5.000 EUR","80 %","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","2.500 EUR","5.000 EUR","-","-","2.556 EUR","-","2.556 EUR","2.556 EUR","-","2.556 EUR","-","-","-","-","-","-"]
["Schäden durch:"]
["§ Innere Unruhe, Streik oder Aussperrung",null,"-","50.000 EUR","l","-","50.000 EUR","l","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","-","-","-","-","-","-","-","-","-"]
["§ mutwillige Beschädigung",null,"-","50.000 EUR, \nSB 2.500 EUR","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","-","50.000 EUR, \nSB 2.500 EUR","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","51.129 EUR, \nSB 2.556 EUR*","-","-","-","-","-","-","-","-","-"]
["Schäden durch radioaktive Isotope",null,"-","-","l","-","-","l","-","l","-","l","-","l","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Schadenabwendungs- und -minderungskosten",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l"]
["Sengschäden",null,"-","-","l, SB 500 EUR","-","-","l, SB 500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Tierbissschäden an elektrischen Anlagen, Dämmungen und Unterspannbahnen (von Mardern und sonstigen wildlebenden Kleinnagern)",null,"-","-","l","-","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Unklare Zuständigkeit bei Versicherungswechsel",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Überschallknall",null,"l","l","l","l","l","l","-","l","-","l","-","l","-","l","-","l","-","l","-","l","-","l",null,"l","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Überspannungsschäden durch Blitz",null,"l, SB 500 EUR","l","l","l, SB 500 EUR","l","l","5.000 EUR","l","5.000 EUR","l","5.000 EUR","l","5 %","l","5 %","l","5 %","l","5 %","l","5 %","l","5 %","l","-","1 %","5 %","1 %","5 %","1 %","1 %","3 %","-","-","-","-","-","-"]
["Unmittelbare Einwirkung von Regen- und Schmelzwasser",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","2.500 EUR",null,"2.500 EUR",null,"2.500 EUR",null,"2.500 EUR",null,"2.500 EUR",null,"2.500 EUR","2.556 EUR*","2.556 EUR*","2.556 EUR*","2.556 EUR*","2.556 EUR*","-","-","-","-","-","-","-","-","-"]
["Verkehrssicherungsmaßnahmen",null,"l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Versicherungsschutz gegen Schäden durch Hagel",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l"," l gegen Zuschlag versicherbar"," l gegen Zuschlag versicherbar"," l nur wenn der Aktion \"Hageleinschluss\" nicht widersprochen wurde","-","-","-"]
["Verpuffung",null,"l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Verstopfung von Ableitungs-, Regenfallrohren innerhalb von Gebäuden",null,null,null,"1.000 EUR",null,null,"1.000 EUR",null,"250 EUR",null,"250 EUR",null,"250 EUR",null,"250 EUR",null,"250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","256 EUR*","256 EUR*","256 EUR*","256 EUR*","256 EUR*","-","-","-","-","-","-","-","-","-"]
["Vorsorgeschutz für wertsteigernde bauliche Maßnahmen",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Wasseraustritt bzw. Austritt von sonstigen wärmetragenden Flüssigkeiten aus"]
["§ Fußbodenheizungen",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag"]
["§ Aquarien",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","l",null,"l","l","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag"]
["§ Schwimmbecken",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","l",null,"l","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag"]
["§ Wasserbetten",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","l","-","l","-","-","-","-","-","-","-","-","-"]
["§ Klima-, Wärmepumpen- und Solarheizungsanlagen",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","l","-","l","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","l","l","l"]
["§ Regenwasseraufbereitungsanlagen (Zisternen)",null,"l","l","l","l","l","l","-","-","-","-","-","-","-",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Wasserverlust durch Bruch von Zuleitungen der Wasserversorgung",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","250 EUR","-","-","-","-","-","-","-","-","-","-","-","-","153,39 EUR Wasserverlust","153,39 EUR Wasserverlust"]
["Wasser- und Gasverlust durch Bruch von Zuleitungen der Wasser- und Gasversorgung",null,"-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Weiteres Zubehör und sonstige Grundstücksbestandteile",null,"-","-","-","-","-","-","-","-","-","-","-","-","5 %","l","5 %","l","5 %","l","5 %","l","5 %","l","5 %","l",null,"1 %","5 %","1 %","5 %","1 %","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","5.000 DM","5.000 DM","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag","Einschluss gegen Zuschlag"]
["Weitere Grundstücksbestandteile",null,"-","15.000 EUR","l","-","15.000 EUR","l","5 %","l","5 %","l","5 %","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Wiederherstellung von Gartenanlagen",null,"-","-","3.000 EUR","-","-","3.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Zusätzlicher Schutz",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Die optimale Ergänzung Ihres Versicherungsschutzes gegen Mehrprämie",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Elementarschäden (seit 07.2014)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 500 EUR, maximal 5.000 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Gebäudeversicherungs-\n   summe; bei der Gleitenden Neuwertversicherung\n   Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen \n   Anpassungsfaktor. Das Haftungslimit beträgt in allen Fällen jedoch maximal 1.500.000 EUR.\n§ Wartezeit 4 Wochen",null,"¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (07.2005-01.2013)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 500 EUR, maximal 5.000 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Gebäudeversicherungs-\n   summe; bei der Gleitenden Neuwertversicherung\n   Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen \n   Anpassungsfaktor. Das Haftungslimit beträgt in allen Fällen jedoch maximal 1.500.000 EUR.\n§ Wartezeit 2 Wochen",null,"-","-","-","-","-","-","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (01.2002-01.2005)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt 1% der zum Zeitpunkt des Versicherungsfalles geltenden Versicherungssumme; im Fall der\n   Gleitenden Neuwertversicherung 1% der Versicherungssumme 1914 multipliziert mit dem zum Schaden-\n   zeitpunkt des Versicherungsfalles gültigen gleitenden Neuwertfaktor. \n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Gebäudeversicherungs-\n   summe; bei der Gleitenden Neuwertversicherung\n   Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen \n   Anpassungsfaktor. Das Haftungslimit beträgt in allen Fällen jedoch maximal 1.500.000 EUR.\n§ Wartezeit 2 Wochen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
[null,null,"l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                               4 pro Versicherungsjahr max. das Vierfache       5 Paket Ableitungsrohre: 5.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                        ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                               4 pro Versicherungsjahr max. das Vierfache       5 Paket Ableitungsrohre: 5.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                        ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                               4 pro Versicherungsjahr max. das Vierfache       5 Paket Ableitungsrohre: 5.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                        ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                               4 pro Versicherungsjahr max. das Vierfache       5 Paket Ableitungsrohre: 5.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                        ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                               4 pro Versicherungsjahr max. das Vierfache       5 Paket Ableitungsrohre: 5.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                        ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                               4 pro Versicherungsjahr max. das Vierfache       5 Paket Ableitungsrohre: 5.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung                        ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache  \n*** Servicepaket »Ableitungsrohre«: 3.000 EUR nur unter besonderen Voraussetzungen (siehe Tarif), die Versicherungssumme steht je Versicherungsjahr – einschließlich aller Kosten – nur einmal zur Verfügung","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Doppelte \n** pro Versicherungsjahr max. das Fünffache ","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Fünffache  \n** pro Versicherungsjahr max. das Doppelte","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Fünffache  \n** pro Versicherungsjahr max. das Doppelte","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Fünffache  \n** pro Versicherungsjahr max. das Doppelte","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Fünffache  \n** pro Versicherungsjahr max. das Doppelte","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Fünffache  \n** pro Versicherungsjahr max. das Doppelte","l generell bis zur Höhe der Versicherungssumme mit-\nversichert \n¡ optional gegen Mehr-\nbeitrag \n* pro Versicherungsjahr max. das Fünffache  \n** pro Versicherungsjahr max. das Doppelte","l generell bis zur Höhe der Versicherungssumme mit-\nversichert\n* pro Versicherungsjahr max. das Fünffache","l generell bis zur Höhe der Versicherungssumme mit-\nversichert\n* pro Versicherungsjahr max. das Fünffache","l generell bis zur Höhe der Versicherungssumme mit-\nversichert\n* gegen Zuschlag im Risikopaket \"Top\"","l generell bis zur Höhe der Versicherungssumme mit-\nversichert\n* gegen Zuschlag im Risikopaket \"Top\"\n** pro Versicherungsjahr max. das Fünffache","l generell bis zur Höhe der Versicherungssumme mit-\nversichert\n* gegen Zuschlag im Risikopaket \"Top\"\n** pro Versicherungsjahr max. das Fünffache","l generell bis zur Höhe der Versicherungssumme mit-\nversichert\n* gegen Zuschlag im Risikopaket \"Top\"\n** pro Versicherungsjahr max. das Fünffache","l generell bis zur Höhe der Versicherungssumme mit-\nversichert\n* gegen Zuschlag im Risikopaket \"Top\"\n** pro Versicherungsjahr max. das Fünffache","l generell bis zur Höhe der Versicherungssumme mit-\nversichert","l generell bis zur Höhe der Versicherungssumme mit-\nversichert","l generell bis zur Höhe der Versicherungssumme mit-\nversichert","l generell bis zur Höhe der Versicherungssumme mit-\nversichert","l generell bis zur Höhe der Versicherungssumme mit-\nversichert","l generell bis zur Höhe der Versicherungssumme mit-\nversichert","l generell bis zur Höhe der Versicherungssumme mit-\nversichert","l generell bis zur Höhe der Versicherungssumme mit-\nversichert","l generell bis zur Höhe der Versicherungssumme mit-\nversichert"]
[]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · service@alte-leipziger.de · Telefon 06171 66-00 · Telefax 06171 66-2443 · ALTE LEIPZIGER – HALLESCHE Konzern"]

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["Wohngebäudeversicherung Tarifvergleich"]
[]
["Vergleich der Tarifvarianten compact, classic und comfort mit früheren Tarifständen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht."]
[]
["Tarif"]
["Bedingungen"]
["Vertragsbestandteil"]
["Deklaration"]
["Selbstbehalt"]
["Versicherte Gefahren"]
[]
["Anprall / Absturz unbemannter Flugkörper"]
["Anprall von fremden Kraft-, Schienen- oder Wasserfahrzeugen"]
["Anprall von fremden Kraft- oder Schienenfahrzeugen"]
["Aufräumungs-, Abbruch-, Bewegungs- und Schutzkosten"]
["Aufräumungs- und Wiederaufforstungskosten für umgestürzte Bäume"]
["Aufräumungskosten für Bäume nach einem Sturm / Wiederaufforstung von Bäumen"]
["Außenwandverkleidungen"]
["Beseitigung von Graffiti"]
["Blindgängerschäden"]
["Bruchschäden an Waschmaschinen- und Spülmaschinenschläuchen"]
["Bruchschäden an Armaturen"]
["Bruch von Gasrohren"]
["Datenrettungskosten in der Privatversicherung"]
["Dekontamination von Erdreich"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse (Stand 05.12.2013)"]
["Feuerlöschkosten"]
["Feuer-Nutzwärmeschäden"]
["Feuer-Rohbauversicherung"]
["Feuer-Rohbauversicherung erweitert (zusätzlich Leitungswasser und Sturm/Hagel)"]
["Frost- und Bruchschäden (seit 07.2014)"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen"]
["    Erweiterte Rohrleitungsversicherung"]
["§ an sonstigen Zuleitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungs-\n   grundstücks, sofern der Versicherungsnehmer die Gefahr trägt"]
["§ an Rohren der Regenwasseraufbereitungsanlage (Zisterne) innerhalb und außerhalb versicherter Gebäude, die auf dem Versicherungsgrundstück unterirdisch verlegt sind und der Versorgung versicherter Gebäude oder Anlagen dienen, sofern es sich nicht um Leitungen zur Zisterne handelt"]
["§ an Ableitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungsgrundstück, die der Entsorgung versicherter Gebäude oder Anlagen dienen, soweit der Versicherungsnehmer zur Unterhaltung verpflichtet ist."]
["Paket Ableitungsrohre (seit 07.2014)"]
["§ Frostbedingte und sonstige Bruchschäden an den Ableitungsrohren der Wasserversorgung, die der Entsorgung versicherter Gebäude oder Anlagen dienen, soweit der VN zur Unterhaltung verpflichtet ist."]
["Frost- und Bruchschäden (01.2008-01.2013)"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen"]
["    Erweiterte Rohrleitungsversicherung"]
["§ an sonstigen Zuleitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungs-\n   grundstücks, sofern der Versicherungsnehmer die Gefahr trägt"]
["Frost- und Bruchschäden (10.2003-01.2007)"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen"]
["§ an sonstigen Zuleitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungs-\n   grundstücks, soweit der Versicherungsnehmer zur Unterhaltung verpflichtet ist"]
["Servicepaket Ableitungsrohre (10.2003-01.2013)"]
["§ Frostbedingte und sonstige Bruchschäden an Ableitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungsgrundstücks, die der Entsorgung versicherter Gebäude oder Anlagen dienen, soweit der VN zur Unterhaltung verpflichtet ist."]
["Frost- und Bruchschäden (01.1997-01.2002)"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen"]
["§ an sonstigen Zu- und Ableitungsrohren der Wasserversorgung innerhalb und außerhalb des Versicherungs-\n   grundstücks, soweit der Versicherungsnehmer zur Unterhaltung verpflichtet ist"]
["1. Zuleitungsrohre"]
["2. Ableitungsrohre"]
["Frost- und sonstige Bruchschäden an Wasserzuleitungs- und Heizungsrohren (01.1992)"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen"]
["§ außerhalb des Versicherungsgrundstücks, die zur Versorgung versicherter Gebäude/Anlagen dienen, soweit der Versicherungsnehmer dafür die Gefahr trägt"]
["Frost- und sonstige Bruchschäden an Ableitungsrohren "]
["§ auf dem Versicherungsgrundstück außerhalb versicherter Gebäude, soweit diese Rohre der Entsorgung versicherter Gebäude oder Anlagen diesen"]
["Frost- und sonstige Bruchschäden an Wasserzuleitungs- und Heizungsrohren (07.1990)"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen"]
["§ außerhalb des Versicherungsgrundstücks, die zur Versorgung versicherter Gebäude oder Anlagen dienen, soweit der Versicherungsnehmer dafür die Gefahr trägt"]
["§ auf dem Versicherungsgrundstück, die nicht der Versorgung versicherter Gebäude oder Anlagen diesen"]
["Frost- und sonstige Bruchschäden an Ableitungsrohren "]
["§ auf dem Versicherungsgrundstück, außerhalb versicherter Gebäude, soweit diese Rohre der Entsorgung versicherter Gebäude oder Anlagen diesen"]
["Schäden an Ableitungsrohre außerhalb des Versicherungsgrundstücks zur Entsorgung versicherter \nGebäude/Anlagen"]
["Schäden durch Rohrbruch oder Frost (10.1978-01.1985)"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb\n   versicherter Gebäude"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem \n   Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen"]
["§ außerhalb des Versicherungsgrundstücks, die zur Versorgung versicherter Gebäude oder Anlagen dienen, soweit der Versicherungsnehmer zur Unterhaltung dieser Anlagen verpflichtet ist"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude, auf dem  \n   Versicherungsgrundstück, nicht zur Versorgung versicherter Gebäude oder Anlagen"]
["Gartenhäuser (ohne Gewächshäuser)"]
["Gewächshäuser bis 10 qm"]
["Garten- und Gewächshäuser bis 10 qm"]
["Gebäudebeschädigung infolge Einbruch durch unbefugte Dritte"]
["Genereller Unterversicherungsverzicht"]
["Geothermie- und Solarthermieanlage"]
["Grobe Fahrlässigkeit"]
["Hotelkosten für die eigengenutzte Wohnung"]
["Implosion"]
["Innenliegende Regenfallrohre"]
["Innovationsklausel/ Künftige Bedingungsverbesserungen"]
["Kosten der Ermittlung und Feststellung des Schadens"]
["Kosten für den Wiederaufbau von Hausrat"]
["Kosten für provisorische Maßnahmen, Notreparaturen"]
["Kosten für Transport und Lagerung"]
["Leistungsgarantie gegenüber den GDV-Musterbedingungen (Stand 01.01.2013)"]
["Mehrkosten für alters- und behindertengerechten Wiederaufbau (ab einer Schadenhöhe von 25.000 EUR)"]
["Mehrkosten für behördlich nicht vorgeschriebene energetische Modernisierung"]
["Mehrkosten für Gebäudewiederherstellung mit umweltfreundlichen Baustoffen"]
["Mehrkosten durch behördliche Auflagen/ durch Wiederherstellungsbeschränkungen"]
["Mehrkosten durch behördliche Auflagen/ Wiederherstellungsbeschränkungen - für Restwerte -"]
["Mehrkosten durch Preissteigerung (Preisdifferenzversicherung)"]
["Mehrkosten durch technologischen Fortschritt"]
["Mietausfall für Gewerberäume"]
["Mietausfall und Mietwert für Wohnräume"]
["Mietausfall bei Auszug des Mieters infolge eines Schadens"]
["Mietausfall bei unterbliebener Vermietung infolge eines Schadens"]
["Nebengebäude, soweit Versicherungsschutz beantragt"]
["Photovoltaikanlagen"]
["Prämienbefreiung bei Arbeitslosigkeit"]
["Rauch- und Rußschäden"]
["Rückreisekosten aus dem Urlaub (ab einer Schadenhöhe von 10.000 EUR)"]
["Sachverständigenkosten (ab Schadenhöhe 25.000 EUR)"]
["Schäden durch:"]
["§ Innere Unruhe, Streik oder Aussperrung"]
["§ mutwillige Beschädigung"]
["Schäden durch radioaktive Isotope"]
["Schadenabwendungs- und -minderungskosten"]
["Sengschäden"]
["Tierbissschäden an elektrischen Anlagen, Dämmungen und Unterspannbahnen (von Mardern und sonstigen wildlebenden Kleinnagern)"]
["Unklare Zuständigkeit bei Versicherungswechsel"]
["Überschallknall"]
["Überspannungsschäden durch Blitz"]
["Unmittelbare Einwirkung von Regen- und Schmelzwasser"]
["Verkehrssicherungsmaßnahmen"]
["Versicherungsschutz gegen Schäden durch Hagel"]
["Verpuffung"]
["Verstopfung von Ableitungs-, Regenfallrohren innerhalb von Gebäuden"]
["Vorsorgeschutz für wertsteigernde bauliche Maßnahmen"]
["Wasseraustritt bzw. Austritt von sonstigen wärmetragenden Flüssigkeiten aus"]
["§ Fußbodenheizungen"]
["§ Aquarien"]
["§ Schwimmbecken"]
["§ Wasserbetten"]
["§ Klima-, Wärmepumpen- und Solarheizungsanlagen"]
["§ Regenwasseraufbereitungsanlagen (Zisternen)"]
["Wasserverlust durch Bruch von Zuleitungen der Wasserversorgung"]
["Wasser- und Gasverlust durch Bruch von Zuleitungen der Wasser- und Gasversorgung"]
["Weiteres Zubehör und sonstige Grundstücksbestandteile"]
["Weitere Grundstücksbestandteile"]
["Wiederherstellung von Gartenanlagen"]
["Zusätzlicher Schutz"]
["Die optimale Ergänzung Ihres Versicherungsschutzes gegen Mehrprämie"]
["Elementarschäden (seit 07.2014)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 500 EUR, maximal 5.000 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Gebäudeversicherungs-\n   summe; bei der Gleitenden Neuwertversicherung\n   Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen \n   Anpassungsfaktor. Das Haftungslimit beträgt in allen Fällen jedoch maximal 1.500.000 EUR.\n§ Wartezeit 4 Wochen"]
["Servicepaket Elementar (07.2005-01.2013)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 500 EUR, maximal 5.000 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Gebäudeversicherungs-\n   summe; bei der Gleitenden Neuwertversicherung\n   Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen \n   Anpassungsfaktor. Das Haftungslimit beträgt in allen Fällen jedoch maximal 1.500.000 EUR.\n§ Wartezeit 2 Wochen"]
["Servicepaket Elementar (01.2002-01.2005)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt 1% der zum Zeitpunkt des Versicherungsfalles geltenden Versicherungssumme; im Fall der\n   Gleitenden Neuwertversicherung 1% der Versicherungssumme 1914 multipliziert mit dem zum Schaden-\n   zeitpunkt des Versicherungsfalles gültigen gleitenden Neuwertfaktor. \n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Gebäudeversicherungs-\n   summe; bei der Gleitenden Neuwertversicherung\n   Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen \n   Anpassungsfaktor. Das Haftungslimit beträgt in allen Fällen jedoch maximal 1.500.000 EUR.\n§ Wartezeit 2 Wochen"]
[]
[]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · service@alte-leipziger.de · Telefon 06171 66-00 · Telefax 06171 66-2443 · ALTE LEIPZIGER – HALLESCHE Konzern"]

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[]
[]
[]
["Hausratversicherung Tarifvergleich "]
[]
["Vergleich der Tarifvarianten compact, classic und comfort mit früheren Tarifständen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes ergibt sich aus dem Versicherungsschein und den Wortlaut der vereinbarten Bedingungen."]
[]
["Tarif"]
["Bedingungen"]
["Vertragsbestandteil"]
["Deklaration"]
[]
["Anprall/ Absturz unbemannter Flugkörper"]
["Anprall von fremden Kraft-, Schienen- oder Wasserfahrzeugen"]
["Aufbrechen eines Behältnisses außerhalb eines Gebäudes (z. B. Schließfächer und Spinde)"]
["Berufsbedingter Zweitwohnsitz\n§ Wertsachen bis"]
["Beschädigung und Verlust von aufgegebenem Reisegepäck"]
["Best-Leistungs-Garantie"]
["Bewachungskosten"]
["Blindgängerschäden"]
["Böswillige Beschädigung (durch nicht im Haushalt lebende Personen)"]
["Bruchschäden an Armaturen"]
["Datenrettungskosten in der Privatversicherung"]
["Dauerhafte Außenversicherung für Sportgeräte"]
["Diebstahl am Arbeitsplatz"]
["Diebstahl auf dem eingefriedeten Versicherungsgrundstück bzw. aus dem Treppenhaus von\n§ Gartenmöbeln und Gartengeräten, Wäschespinnen und Skulpturen\n§ Wäsche und Bekleidung – ohne Pelz- und Lederwaren – zum Trockenen oder Lüften\n§ Kinderwagen\n§ Teich- und Poolzubehör sowie Grills\n§ Spielfahrzeugen, Kinderspiel- und Sportgeräten"]
["Diebstahl aus dem Krankenzimmer \n§ Bargeld bis"]
["Diebstahl von Rollstühlen und fahrbaren Gehhilfen"]
["Diebstahl von Waschmaschinen und Wäschetrocknern aus Gemeinschaftsräumen"]
["Einbruchdiebstahl aus Schiffskabinen\n§ Wertsachen und elektronische Geräte bis"]
["Einbruchdiebstahl aus Schlafwagenabteilen\n§ Wertsachen und elektronische Geräte bis"]
["Einbruchdiebstahl aus verschlossenen Kraftfahrzeugen innerhalb der EU- und EFTA¹-Staaten \n§ tagsüber zwischen 6 Uhr und 22 Uhr oder\n§ Fahrtunterbrechung von weniger als zwei Stunden"]
["Einbruchdiebstahl und Raub durch Hausangestellte"]
["Einbruchdiebstahl über nicht versicherte Räume"]
["Eingelagerter Hausrat in einer Self Storage Anlage"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse"]
["Entschädigungsgrenze für die Außenversicherung"]
["Entschädigungsgrenze für die Vorsorgeversicherung"]
["Erweiterte Außenversicherung für Kinder während der Ausbildung/ dem Studium – \nauch nach Gründung eines eigenen Hausstandes"]
["Fahrraddiebstahlschäden"]
["Feuer-Nutzwärmeschäden"]
["Garagen in der Nähe des Versicherungsortes"]
["Garagen nicht in der Nähe des Versicherungsortes, innerhalb der BRD"]
["Gebäudebestandteile, für die der VN als Mieter die Gefahr trägt"]
["Gebäudebestandteile, für die der VN als Eigentümer die Gefahr trägt"]
["Gebäude- und Mobiliarverglasungen"]
["Genereller Unterversicherungsverzicht"]
["Grobe Fahrlässigkeit (Herbeiführung des Versicherungsfalls)"]
["Grobe Fahrlässigkeit bei Obliegenheitsverletzungen"]
["Hagelschäden"]
["Handelswaren und Musterkollektionen"]
["Häusliches Arbeitszimmer – ausschließlich über versicherte Wohnung zu betreten"]
["Haustierbetreuung"]
["Hotelkosten"]
["Implosion"]
["Innere Unruhen"]
["Innovationsklausel/ Künftige Bedingungsverbesserungen"]
["Keine Gefahrenerhöhung bei \n§ Vorübergehendem Unbewohntsein bis zu \n§ Aufstellung eines Gerüstes"]
["Kosten der Ermittlung und Feststellung des Schadens"]
["Kosten durch Fehlalarm eines Rauchmelders"]
["Kostenerstattung über die Versicherungssumme hinaus"]
["Kosten für provisorische Maßnahmen (Notreparaturen) nach Einbruchdiebstahl"]
["Kosten für provisorische Maßnahmen zum Schutz versicherter Sachen"]
["Kostenübernahme für persönliche Auslagen"]
["Kundenschließfächer bei Banken"]
["Leistungsgarantie gegenüber den GDV-Musterbedingungen"]
["Mehrkosten\n§ durch Preissteigerungen"]
["§ durch Technologiefortschritt"]
["§ für energetische Modernisierung von Haushaltsgeräten"]
["Prämienbefreiung bei Arbeitslosigkeit"]
["Räuberische Erpressung"]
["Rauch- und Rußschäden"]
["Rückreisekosten aus dem Urlaub (ab einer Schadenhöhe von 5.000 EUR)"]
["Sachen in vermieteten Einliegerwohnungen"]
["Sachverständigenkosten (ab einer Schadenhöhe von 25.000 EUR)"]
["Schäden durch radioaktive Isotope"]
["Schäden durch Rückstau"]
["Schäden durch Stromausfall (Netzausfall) an Tiefkühl-/ Gefriergut"]
["Schlossänderungskosten an Hauseingangstüren von Zwei- und Mehrfamilienhäusern"]
["Seng- und Schmorschäden (Selbstbehalt 100 EUR)"]
["Sicherungsanlagen (technisch, optisch, akustisch)"]
["Sturm/Hagel und – sofern vereinbart – weitere Naturgefahren sowie Brand und Blitz-schlag auf dem Versicherungsgrundstück"]
["Taschendiebstahl\n§ Bargeld bis \n§ Mobiltelefone und Tablets bis"]
["Teile und Zubehör von Kraftfahrzeugen"]
["Telefonmissbrauch nach einem Einbruch"]
["Transportmittelunfall"]
["Transport- und Lagerkosten"]
["Trickdiebstahl (innerhalb des Versicherungsortes)"]
["Überschallknall"]
["Überspannungsschäden durch Blitz"]
["Umzugskosten nach einem Versicherungsfall"]
["Unberechtigter Gebrauch von Scheck-, Kredit- und Kundenkarten nach einem Versicherungsfall"]
["Unklare Zuständigkeit bei Versichererwechsel"]
["Vandalismus nach einem Einbruch oder bei Raub"]
["Verpuffungsschäden"]
["Vorsorgeversicherung bei Haushaltsneugründung für Kinder"]
["Vorversicherungs-Garantie"]
["Wasseraustritt aus\n§ Aquarien\n§ Zimmerbrunnen und Wassersäulen\n§ Wasserbetten\n§ innenliegenden Regenfallrohren"]
["Wasserverlust"]
["Wertsachen gemäß A 18 AL-VHB 2016\n§ Bargeld, auf Geldkarten geladene Beträge (z.B. Chipkarten)\n§ Urkunden, Sparbücher\n§ Schmucksachen, Briefmarken"]
[]
["Zusätzlicher Versicherungsschutz - gegen Mehrprämie versicherbar"]
["Elementarschäden/ Weitere Naturgefahren (seit 07.2014)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 800.000 EUR\n§ Wartezeit 4 Wochen"]
["Servicepaket Elementar (04.2010-01.2013)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 800.000 EUR\n§ Wartezeit 2 Wochen (gemäß Ziffer 12 AL-BEH 2008)"]
["Servicepaket Elementar (01.2010)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   maximal jedoch das im Vertragsdokument ausgewiesene Haftungslimit\n§ Wartezeit 2 Wochen (gemäß Ziffer 12 AL-BEH 2008)"]
["Servicepaket Elementar (01.2008-01.2009)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n    max. 500.000 EUR\n§ Wartezeit 2 Wochen (gemäß Ziffer 12 AL-BEH 2008)"]
["Servicepaket Elementar (07.2007)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdfall, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 150.000 EUR"]
["Servicepaket Elementar (07.2005-01.2007)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 500.000 EUR"]
["Servicepaket Elementar (10.2003)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt 1% der zum Zeitpunkt des Versicherungsfalles geltenden Versicherungssumme\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n    max. 500.000 EUR"]
["Servicepaket Elementar (01.2002)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdfall, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt 1% der zum Zeitpunkt des Versicherungsfalles geltenden Versicherungssumme\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 500.000 EUR"]
["Elementarschadendeckung (01.1993-09.1993)\n§ Überschwemmung des Versicherungsortes, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen\n§ Haftungslimit je Schadenereignis und Versicherungsjahr 1.000.000 DM, SB 10 %, mind. 500 DM,\n   höchstens 10.000 DM"]
["Paket Reisegepäck (ab 07.2014)\nReisegepäckversicherung\n§ Urlaubsreise bis 3 Tage Dauer bis 1.500 EUR \n§ Urlaubsreise ab 4 Tagen Dauer bis 3.000 EUR"]
["Servicepaket Tour (04.2010-01.2013)\n§ Reisegepäckversicherung\n- Urlaubsreise bis 3 Tage Dauer bis 1.500 EUR \n- Urlaubsreise ab 4 Tagen Dauer bis 3.000 EUR\n§ Rückreisekosten aus dem Urlaub bis 5.000 EUR"]
["Servicepaket Tour (01.2002-01.2010)\n§ Reisegepäckversicherung bis 1.000 EUR\n§ Rückreisekosten aus dem Urlaub bis 1.000 EUR"]
["Servicepaket Tour (07.1998)\n§ Reisegepäckversicherung bis 2.000 DM\n§ Rückreisekosten aus dem Urlaub bis 2.000 DM"]
["Servicepaket Top (01.2002)\n§ Fahrraddiebstahlschäden bis 1.000 EUR\n§ Überspannungsschäden durch Blitz bis 5.000 EUR\n§ Implosionsschäden an elektrischen Geräten bis 1.500 EUR"]
["Servicepaket Top (01.1997-07.1998)\n§ Fahrraddiebstahlschäden bis 2.000 DM\n§ Überspannungsschäden durch Blitz bis 10.000 DM\n§ Implosionsschäden an elektrischen Geräten bis 3.000 DM"]
["Risikopaket (09.1993-01.1995)\n-Risiken auch einzeln versicherbar-\n§ Fahrraddiebstahlschäden bis 1.500 DM\n§ Hotelkosten bis 50 DM, max. 100 Tage, inkl. Frühstück\n§ Überspannungsschäden durch Blitz bis 10.000 DM\n§ Implosionsschäden an elektrischen Geräten bis 3.000 DM"]
["Risikopaket (07.1992-01.1993)\n-Risiken auch einzeln versicherbar-\n§ Fahrraddiebstahlschäden bis 1.500 DM\n§ Hotelkosten bis 10.000 DM\n§ Überspannungsschäden durch Blitz bis 10.000 DM\n§ Feuernutzwärmeschäden bis 1.000 DM"]
["\"Risikopaket\" (07.1991)\n-Risiken nur einzeln versicherbar-\n§ Hotelkosten bis 10.000 DM\n§ Überspannungsschäden durch Blitz bis 10.000 DM\n§ Feuernutzwärmeschäden bis 1.000 DM"]
["Paket Cyber\n§ Online-Shopping\n§ Identitätsdatendiebstahl\n§ Datenrettung\n§ Cyber-Mobbing"]
["Paket Fahrraddiebstahl - ohne Nachtzeitklausel"]
["Fahrraddiebstahlschäden - ohne Nachtzeitklausel"]
["Fahrraddiebstahlschäden - inkl. Nachtzeitklausel"]
["Paket Haus- und Wohnungsschutzbrief\n§ Kostenübernahme bis 500 EUR für z. B. Schlüsseldienst und Entfernung eines Wespennestes\n§ Organisation im Schadenfall von z. B. Übernachtungsmöglichkeiten\n§ 24 Stunden-Handwerker-Service\n§ Psychologische Erstberatung nach Einbruchdiebstahl und Raub\n§ Notdienst bei Ausfall von Elektrogeräten"]
[]
["¹ European Free Trade Association (Europäisches Freihandelsabkommen) zwischen den 4 Staaten Island, Liechtenstein, Schweiz und Norwegen"]
[]
[]
[]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · service@alte-leipziger.de · Telefon 06171 66-00 · Telefax 06171 66-2443 · ALTE LEIPZIGER – HALLESCHE Konzern"]

{"sheet":"Tapete PHV","index":3,"n_rows":128,"n_cols":95,"rows_kept":128,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Private Haftplichtversicherung "]
[]
["Vergleich von Tarifen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes geht ausschließlich aus den vereinbarten Versicherungsbedingungen hervor."]
[]
["Tarif",null,"07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2015","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","07.2014","01.2011","01.2011","01.2011","01.2011","01.2010","01.2010","01.2010","01.2010","01.2009","01.2009","01.2009","01.2009","07.2008","07.2008","07.2008","07.2008","01.2007","01.2007","01.2007","01.2007","01.2006","01.2006","01.2006","01.2006","07.2005","07.2005","07.2005","07.2005","01.2005","01.2005","01.2005","01.2005","08.2004","08.2004","08.2004","08.2004","07.2004","07.2004","07.2004","07.2004","01.2004","01.2004","01.2004","01.2004","10.2003","10.2003","10.2003","10.2003","07.2002","07.2002","01.2002","01.2002","01.2000","01.2000","07.1997","07.1997","01.1997","01.1997"]
["Bedingungen",null,"AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008","AL-AHB 2008"]
["Vertragsbestandteil",null,"S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.7","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.5","S 97.4","S 97.4","S 97.4","S 97.4","S 74.9","S 74.9","S 74.9","S 74.9","S 74.8","S 74.8","S 74.8","S 74.8","S 74.7","S 74.7","S 74.7","S 74.7","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.6","S 74.5","S 74.5","S 74.5","S 74.5","S 74.5","S 74.5","S 74.5","S 74.5","S 74.4","S 74.4","S 74.4","S 74.4","S 74.4","S 74.4","S 74.4","S 74.4","S 74.3","S 74.3","S 74.2","S 74.2","S 74.1","S 74.1"]
["Deklaration",null,"Fam. comfort m. Kind","Fam. comfort o. Kind","Fam. classic m. Kind mit Paket","Fam. classic o. Kind mit Paket","Fam. classic m. Kind","Fam. classic o. Kind","Fam. compact m. Kind","Fam. compact o. Kind","Single comfort m. Kind","Single comfort o. Kind","Single classic m. Kind mit Paket","Single classic o. Kind mit Paket","Single classic m. Kind","Single classic o. Kind","Single compact m. Kind","Single compact o. Kind","Fam. comfort m. Kind","Fam. comfort o. Kind","Fam. classic m. Kind mit Paket","Fam. classic o. Kind mit Paket","Fam. classic m. Kind","Fam. classic o. Kind","Fam. compact m. Kind","Fam. compact o. Kind","Single comfort m. Kind","Single comfort o. Kind","Single classic m. Kind mit Paket","Single classic o. Kind mit Paket","Single classic m. Kind","Single classic o. Kind","Single compact m. Kind","Single compact o. Kind","Fam. XXL","Fam. XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Familie XXL","Familie XL","Single XXL","Single XL","Privat-Haftpflicht","Single Haftpflicht","Privat-Haftpflicht","Single Haftpflicht","Privat-Haftpflicht","Single Haftpflicht","Privat-Haftplicht","Single Haftpflicht","Privat-Haftplicht","Single Haftpflicht"]
[]
["Mitversicherte Personen",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter",null,"Zeilenhöhe (Pixel)","ausprobieren:"]
["Ehepartner, Lebenspartner nach Lebenspartnerschaftsgesetz",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","-","-","-","-","-","-","-","-","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","-","-","-","-","-","-","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","-","","-","","-","","-","","-",null,"1-zeilig","26"]
["Unverheirateter Lebensgefährte in häuslicher Gemeinschaft",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","-","-","-","-","-","-","-","-","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","-","-","-","-","-","-","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","","-","-","","-","","-","","-","","-","","-",null,"2-zeilig","46"]
["Regressansprüche durch Sozialversicherungsträger, private und auch öffentliche Arbeitgeber sowie von privaten Versicherern",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","-","","","\u0098","-","\u0098","-","\u0098","-","","","\u0098","\u0098","\u0098","\u0098","\u0098","-","","","\u0098","-","\u0098","-","\u0098","-","","","","-","","","","-","","","","-","","-","","-","","-","-","-","","-","-","-","","-","-","-","","-","-","-","","-","-","-","","-","-","-","","-","-","-","","-","-","-","-","-","-","-","-","-","-","-","-","-",null,"3-zeilig","66"]
["Minderjährige unverheiratete Kinder",null,"","-","\u0098","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","","","","","","","",null,"4-zeilig","88"]
["Volljährige unverheiratete Kinder\n- in Schul- oder unmittelbar anschließender Erstausbildung\n- im Anschluss an Schulausbildung während Wartezeit auf Ausbildungsplatz, Lehre oder Studium\n- Kinder nach abgeschlossener Erstausbildung während Wartezeit auf weitere Ausbildung (Lehre, Studium,\n  Referendarzeit) oder während Arbeitsplatzsuche\n- während Grundwehr- oder Bundesfreiwilligendienst, sozialem oder ökologischem Jahr\n- in Zweitausbildung (Lehre, Ausbildungsplatz oder Studium) unmittelbar im Anschluss an Erstausbildung\n  bis zur Vollendung des 27. Lebensjahres",null,"","-","\u0098","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","\n\n\n\n\nandere Formulierung\n\nbis zur Vollendung des 25. Lebensjahres","\n\n\n\n\nandere Formulierung\n\nbis zur Vollendung des 25. Lebensjahres","\n\n\n\n\nandere Formulierung\n\nbis zur Vollendung des 25. Lebensjahres","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\nbis zur Vollendung des 25. Lebensjahres","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\nbis zur Vollendung des 25. Lebensjahres","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\nbis zur Vollendung des 25. Lebensjahres","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\nbis zur Vollendung des 25. Lebensjahres","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\nbis zur Vollendung des 25. Lebensjahres","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\nbis zur Vollendung des 25. Lebensjahres","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","-","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","\n\nunbegrenzt\n1 Jahr\nandere Formulierung (vor, während oder im Anschluss an die Berufsausbildung)\n","-","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)","\nnur unmittelbar in Schul- oder unmittelbar anschließender Berufsausbildung, der Ableistung des Grund- oder Ziveldienstes vor, während oder im Anschluss an die Berufsausbildung (1.2.1)",null,"5-zeilig","110"]
["Kinder mit geistiger bzw. körperlicher Behinderung in häuslicher Gemeinschaft (auch im Pflegeheim)",null,"","-","-","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","","-","\u0098","-","\u0098","-","\u0098","-","Kinder mit geistiger Behinderung","Kinder mit geistiger Behinderung","Kinder mit geistiger Behinderung","-","Kinder mit geistiger Behinderung","-","Kinder mit geistiger Behinderung","-","Kinder mit geistiger Behinderung","-","Kinder mit geistiger Behinderung","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-",null,"6-zeilig","132"]
["Nachversicherungsschutz für ausscheidende Personen (volljährige Kinder) bis zur nächsten Hauptfälligkeit, mindestens 6 Monate",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","-","\u0098","-","\u0098","-","\u0098","-","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","-","\u0098","-","\u0098","-","\u0098","-","","","","-","","","","-","","","","-","","","","-","","-","-","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","","-","","","-","-","-","-","-","-","-","-",null,"7-zeilig","154"]
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["Versicherungssummen –Personen-, Sachschäden",null,"alternativ 20 Mio EUR\noder 50 Mio EUR, max. 15 Mio EUR bei Personenschäden je geschädigter Person","alternativ 20 Mio EUR\noder 50 Mio EUR, max. 15 Mio EUR bei Personenschäden je geschädigter Person","10 Mio EUR","10 Mio EUR","10 Mio EUR","10 Mio EUR","5 Mio EUR","5 Mio EUR","alternativ 20 Mio EUR\noder 50 Mio EUR, max. 15 Mio EUR bei Personenschäden je geschädigter Person","alternativ 20 Mio EUR\noder 50 Mio EUR, max. 15 Mio EUR bei Personenschäden je geschädigter Person","10 Mio EUR","10 Mio EUR","10 Mio EUR","10 Mio EUR","5 Mio EUR","5 Mio EUR","alternativ 20 Mio EUR\noder 50 Mio EUR, max. 15 Mio EUR bei Personenschäden je geschädigter Person","alternativ 20 Mio EUR\noder 50 Mio EUR, max. 15 Mio EUR bei Personenschäden je geschädigter Person","10 Mio EUR","10 Mio EUR","10 Mio EUR","10 Mio EUR","3 Mio EUR","3 Mio EUR","alternativ 20 Mio EUR\noder 50 Mio EUR, max. 15 Mio EUR bei Personenschäden je geschädigter Person","alternativ 20 Mio EUR\noder 50 Mio EUR, max. 15 Mio EUR bei Personenschäden je geschädigter Person","10 Mio EUR","10 Mio EUR","10 Mio EUR","10 Mio EUR","3 Mio EUR","3 Mio EUR","5, 8 und 11 Mio EUR","5, 8 und 11 Mio EUR\n","5, 8 und 11 Mio EUR","5, 8 und 11 Mio EUR\n","5, 8 und 11 Mio EUR","5, 8 und 11 Mio EUR1","5, 8 und 11 Mio EUR1","5, 8 und 11 Mio EUR pauschal 1","5, 8 und 11 Mio EUR pauschal1 ","5, 8 und 11 Mio EUR pauschal1 ","5, 8 und 11 Mio EUR pauschal1 ","5, 8 und 11 Mio EUR pauschal1 ","5, 8 und 11 Mio EUR","5, 8 und 11 Mio EUR pauschal","5, 8 und 11 Mio EUR pauschal","5, 8 und 11 Mio EUR pauschal","2, 3 und 5 Mio EUR pauschal","2, 3 und 5 Mio EUR pauschal","2, 3 und 5 Mio EUR pauschal","2, 3 und 5 Mio EUR pauschal","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise","wahlweise",null,"11-zeilig","242"]
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["Inhaber einer oder mehrerer Wohnungen (bei Wohnungseigentum als Sondereigentümer) - einschließlich Ferienwohnung)",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","","","","","","",""]
["Inhaber (z.B. Eigentümer oder Mieter)\n- einer oder mehrerer Wohnungen – einschließlich Eigentums- oder Ferienwohnung\n- eines Einfamilienhauses (bzw. einer Doppelhaushälfte) oder einem Wohnhaus, sofern sich in diesem\n  nicht mehr als zwei abgeschlossene Wohnungen befinden\n- eines Wochenend-/Ferienhaues\n- zugehöriger Garagen, Gärten sowie einem Schrebergarten soweit vom VN oder mitversicherten\n  Personen selbst genutzt",null,"\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","\nEU, EFTA²\n","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- einer oder mehrerer Wohnungen – einschließlich Ferienwohnung –\n- eines Einfamilienhauses (bzw. einer Doppelhaushälfte) oder einem Wohnhaus, sofern sich in diesem\n  nicht mehr als zwei abgeschlossene Wohnungen befinden\n- eines Wochenend-/Ferienhaues\n- zugehöriger Garagen, Gärten sowie einem Schrebergarten soweit vom VN oder mitversicherten\n  Personen selbst genutzt",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","\nInland\n","\nEU, EFTA²\n","\nInland\n","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- einer oder mehrerer Wohnungen – einschließlich Eigentums- und Ferienwohnung –\n- eines Einfamilienhauses (bzw. einer Doppelhaushälfte) oder einem Wohnhaus, sofern sich in diesem\n  nicht mehr als zwei abgeschlossene Wohnungen befinden\n- eines Wochenend-/Ferienhaues oder einem auf Dauer fest installierten Wohnwagen\n- zugehöriger Garagen, Gärten sowie einem Schrebergarten soweit vom VN oder mitversicherten\n  Personen selbst genutzt",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","\nEU, EFTA*","\nInland","\nEU, EFTA*\n","\nInland\n","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"," \nEU1"," \nEU1"," \nEU1"," \nEU1"," \nEU1"," \nEU1"," \nEG1"," \nEG1","-","-"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- einer oder mehrerer Wohnungen – einschließlich Eigentums- und Ferienwohnung –\n- einem Wohnhaus, sofern sich in diesem nicht mehr als zwei abgeschlossene Wohnungen befinden\n- eines Wochenend-/Ferienhaues oder einem auf Dauer fest installierten Wohnwagen\n- zugehöriger Garagen, Gärten sowie einem Schrebergarten soweit vom VN oder mitversicherten\n  Personen selbst genutzt",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","\nEU, EFTA*","\nInland","\nEU, EFTA*","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","-","-","-","-","-","-","-","-","-","-"]
["Eigentümer oder Mieter von\n- einem auf Dauer fest installierten Wohnwagen\n- einem unbebauten Grundstückes bis 1.000 m² ausschließlich zur privaten Nutzung soweit vom VN oder\n  mitversicherten Personen selbst genutzt",null,"\nEU, EFTA²\nbis 10.000 EUR","\nEU, EFTA²\nbis 10.000 EUR","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nInland\n-","\nInland\n-","\nEU, EFTA²\nbis 10.000 EUR","\nEU, EFTA²\nbis 10.000 EUR","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nInland\n-","\nInland\n-","\nEU, EFTA²\nbis 10.000 EUR","\nEU, EFTA²\nbis 10.000 EUR","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nInland\n-","\nInland\n-","\nEU, EFTA²\nbis 10.000 EUR","\nEU, EFTA²\nbis 10.000 EUR","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nEU, EFTA²\nbis 2.500 m²","\nInland\n-","\nInland\n-","\nEU, EFTA²\n","-","\nEU, EFTA²\n","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Eigentümer oder Mieter von\n- einer Eigentumswohnung\n- einem auf Dauer fest installierten Wohnwagen\n- zugehörigen Garagen, Gärten sowie Schrebergarten\n- einem unbebauten Grundstückes bis 1.000 m² ausschließlich zur privaten Nutzung soweit vom VN oder\n  mitversicherten Personen selbst genutzt",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","\nEU, EFTA²\n","-","\nEU, EFTA²\n","-","\nEU, EFTA²\n","-","\nEU, EFTA²\n","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- von Swimmingpools oder Teichen\n- Miteigentum an zum Haus gehörenden Einrichtungen (z.B. Spielplätze) soweit vom VN oder\n  mitversicherten Personen selbst genutzt",null,"\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nInland","\nInland","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nInland","\nInland","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nInland","\nInland","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nInland","\nInland","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Vermietung von einzelnen Wohnräumen",null,"\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nInland","\nInland","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nInland","\nInland","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nInland","\nInland","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nInland","\nInland","\nEU, EFTA²","\nInland","\nEU, EFTA²","\nInland","\nEU, EFTA²","\nInland","\nEU, EFTA²","\nInland\n","\nEU, EFTA²","\nInland","\nEU, EFTA²","\nInland\n","\nEU, EFTA*","\nInland","\nEU, EFTA*","\nInland","\nEU, EFTA*","\nInland","\nEU, EFTA*","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","\nEU, EFTA1","\nInland","","","","","","","","","",""]
["Vermietung von\n- einer Eigentumswohnung (auch Ferienwohnung) sowie dazugehörige Garagen\n- einer einzelnen Garage (auch Stellplatz)",null,"\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","-","-","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","-","-","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","-","-","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","-","-","\nEU, EFTA²","-","\nEU, EFTA²","-","\nEU, EFTA²","-","\nEU, EFTA²","-","\nEU, EFTA²","-","\nEU, EFTA²","-","\nEU, EFTA*","\nInland","\nEU, EFTA*","\nInland","\nEU, EFTA*\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA*\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","\nEU, EFTA1\n(Stellplätze nicht erwähnt)","\nInland\n(Stellplätze nicht erwähnt)","-","-","-","-","-","-","-","-","-","-"]
["Vermietung von\n- einem Ferienhaus\n- einer Einliegerwohnung oder Wohnung im ZFH",null,"\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","-","-","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","-","-","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","-","-","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","\nEU, EFTA²","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Vermietung von einzelnen Fremdenzimmern",null,"max. 8 Zimmer","max. 8 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 3 Zimmer","max. 3 Zimmer","max. 8 Zimmer","max. 8 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 3 Zimmer","max. 3 Zimmer","max. 8 Zimmer","max. 8 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 3 Zimmer","max. 3 Zimmer","max. 8 Zimmer","max. 8 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 6 Zimmer","max. 3 Zimmer","max. 3 Zimmer","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Verpachtung von unbebauten Grundstücken",null,"bis 10.000 m²","bis 10.000 m²","-","-","-","-","-","-","bis 10.000 m²","bis 10.000 m²","-","-","-","-","-","-","bis 10.000 m²","bis 10.000 m²","-","-","-","-","-","-","bis 10.000 m²","bis 10.000 m²","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Bauherren (Bausumme)",null,"300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","100.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","300.000 EUR;\nfür selbst genutztes Ein- bzw. Zweifamilienhaus ohne Begrenzung der Bausumme","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","unbegrenzt","50.000 EUR","","","","","","","","","",""]
["Bauhelfer",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","","","","-","-"]
["Gewässerschaden-Restrisiko",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","","","","","","","","","","","","","","","","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Gewässerschäden aus Kleingebinden bis 50 l/kg / 300 l/kg",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","-","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","",""," max. 100 Liter"," max. 100 Liter"," max. 100 Liter"," max. 100 Liter"," max. 100 Liter"," max. 100 Liter"," max. 100 Liter"," max. 100 Liter"," max. 100 Liter"," max. 100 Liter"]
["Gewässerschäden aus Kleingebinden bis 100 l/kg / 500 l/kg",null,"250 l/kg / 1.000 l/kg","250 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","50 l/kg / 300 l/kg","50 l/kg / 300 l/kg","250 l/kg / 1.000 l/kg","250 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","50 l/kg / 300 l/kg","50 l/kg / 300 l/kg","250 l/kg / 1.000 l/kg","250 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","50 l/kg / 300 l/kg","50 l/kg / 300 l/kg","250 l/kg / 1.000 l/kg","250 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","100 l/kg / 1.000 l/kg","50 l/kg / 300 l/kg","50 l/kg / 300 l/kg","","","","","","","","","","-","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Gesetzliche Haftpflicht3 aus dem Besitz und Betrieb im selbstgenutztem Risiko (Postanschrift) für\n- einen Heizöltank oder\n- einen Flüssiggastank\n- eine Photovoltaikanlage (inkl. Energieabgabe ins öffentliche Stromnetz)\n- eine Solarthermieanlage\n- eine Erdwärmeanlage",null,"\nmax. 10.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 15 kWp\n\n","\nmax. 10.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 15 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\n-\n-\n-\n\n","\n-\n-\n-\n\n","\nmax. 10.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 15 kWp\n\n","\nmax. 10.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 15 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\n-\n-\n-\n\n","\n-\n-\n-\n\n","\nmax. 10.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 15 kWp\n\n","\nmax. 10.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 15 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\n-\n-\n-\n\n","\n-\n-\n-\n\n","\nmax. 10.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 15 kWp\n\n","\nmax. 10.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 15 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\nmax. 5.000 Liter\nmax. 4 t (Nenn-Füllgewicht)\nmax. 10 kWp\n\n","\n-\n-\n-\n\n","\n-\n-\n-\n\n","\nmax. 5.000 Liter\nmax. 2,1 t (Nenn-Füllgewicht)(beides nur oberirdisch oder im Keller) \nmax. 10 kWp\n\n-","-","\nmax. 5.000 Liter\nmax. 2,1 t (Nenn-Füllgewicht)(beides nur oberirdisch oder im Keller) \nmax. 10 kWp\n\n-","-","\nmax. 5.000 Liter\nmax. 2,1 t (Nenn-Füllgewicht)(beides nur oberirdisch oder im Keller) \nmax. 10 kWp\n\n-","-","\nmax. 5.000 Liter\nmax. 2,1 t (Nenn-Füllgewicht)(beides nur oberirdisch oder im Keller) \nmax. 10 kWp\n\n-","-","\nmax. 5.000 Liter\nmax. 2,1 t (Nenn-Füllgewicht)(beides nur oberirdisch oder im Keller) \nmax. 10 kWp\n\n-","-","\nmax. 5.000 Liter\nmax. 2,1 t (Nenn-Füllgewicht)(beides nur oberirdisch oder im Keller) \nmax. 10 kWp\n\n-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
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["Sachschäden durch Abwasser aus dem Rückstau des Straßenkanals",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","","","","","","","","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mietsachschäden\n- an zu privaten Zwecken gemieteten Immobilien\n- an Mobiliar in Hotels, Ferienwohnungen/- häusern\n- an Mobiliar in Pensionen, Schiffskabinen oder Schlafwagenabteilen",null,"\n\n\n","\n\n\n","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","300.000EUR\n-\n-","300.000EUR\n-\n-","\n\n\n","\n\n\n","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","300.000EUR\n-\n-","300.000EUR\n-\n-","\n\n\n","\n\n\n","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","300.000EUR\n-\n-","300.000EUR\n-\n-","\n\n\n","\n\n\n","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","\n\u0098\n\u0098\n-","300.000EUR\n-\n-","300.000EUR\n-\n-","300.000EUR\n\n-","300.000EUR\n-\n-","300.000EUR\n\n-","300.000EUR\n-\n-","\n\n-","300.000 EUR ohne weitere Bedingungen (Punkt 1,2,3)\n","300.000EUR\n\n-","300.000 EUR ohne weitere Bedingungen (Punkt 1,2,3)\n","\n\n-","300.000EUR\n-\n-\n-","300.000EUR\n\n-","300.000EUR\n-\n-\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n\n-","\n-\n-","\n-\n-","\n-\n-","\n-\n-","\n-\n-","\n-\n-","\n-\n-","\n-\n-","\n-\n-","\n-\n-"]
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["Selbstfahrende Arbeitsmaschinen bis 20 km/h, z.B. Rasenmäher, Schneeräumgeräte, Kehrmaschinen",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","","","","","","","","","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","-","","","","","","","","","",""]
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["Elektrorollstühle und Golfwagen/-caddie nicht zulassungs- und versicherungspflichtig",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h","Elektrorollstühle bis 6 km/h"]
["Pedelecs (Elektrofahrräder) bis 25 km/h und nicht mehr als 250 Watt Motorleistung",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Besitz und Gebrauch von ferngesteuerten Modell-/Spielfahrzeugen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","",""]
["Ferngelenkte Land- und Wasser-Modellfahrzeuge",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","","","","","","","","","","","","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Gebrauch von Flugmodellen - kein Antrieb durch Treibsätze/Motoren bis 5 kg",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","",""]
["Besitz und Gebrauch von Flugmodellen, unbemannten Ballonen und Drachen, deren Gewicht 5 kg nicht übersteigt",null,"","","","","","","","","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","","","","","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","","","","","","","","",""]
["Luftfahrzeuge, die nicht der Versicherungspflicht unterliegen",null,"","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","\u0098","\u0098","","","","","","","","","","","","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Gelegentlicher Gebrauch von fremden Wassersportfahrzeugen (auch mit Motoren), soweit für das Führen keine behördliche Erlaubnis erforderlich ist",null,"","","","","","","","","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","","","","","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","soweit kein Versicherungsschutz für den Halter besteht (subsidär)","","soweit kein Versicherungsschutz für den Halter besteht (subsidär)","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Gebrauch von fremden Wassersportfahrzeugen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","soweit kein Versicherungsschutz für den Halter besteht (subsidär)","gelegentlicher Gebrauch, soweit für das Führen keine behördliche Erlaubnis erforderlich ist","soweit kein Versicherungsschutz für den Halter besteht (subsidär)","gelegentlicher Gebrauch, soweit für das Führen keine behördliche Erlaubnis erforderlich ist","soweit kein Versicherungsschutz für den Halter besteht (subsidär)","gelegentlicher Gebrauch, soweit für das Führen keine behördliche Erlaubnis erforderlich ist","soweit kein Versicherungsschutz für den Halter besteht (subsidär)","gelegentlicher Gebrauch, soweit für das Führen keine behördliche Erlaubnis erforderlich ist","(subsidär)"," (subsidär)"," (subsidär)"," (subsidär)","(subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)"," (subsidär)","","","","","","","","","",""]
["Eigene Wassersportfahrzeuge",null,"alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren oder Treibsätze","alle Fahrzeuge, jedoch ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge (z.B. Surf- und Windsurfbretter oder Kitesurf-Boards), jedoch ohne Motoren oder Treibsätze; Segelboote bis zu 4m Rumpflänge (auch mit Hilfsmotor)","ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge (z.B. Surf- und Windsurfbretter oder Kitesurf-Boards), jedoch ohne Motoren oder Treibsätze; Segelboote bis zu 4m Rumpflänge (auch mit Hilfsmotor)","ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge (z.B. Surf- und Windsurfbretter oder Kitesurf-Boards), jedoch ohne Motoren oder Treibsätze; Segelboote bis zu 4m Rumpflänge (auch mit Hilfsmotor)","ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge (z.B. Surf- und Windsurfbretter oder Kitesurf-Boards), jedoch ohne Motoren oder Treibsätze; Segelboote bis zu 4m Rumpflänge (auch mit Hilfsmotor)","ohne Motoren, Segel (auch Drachen) oder Treibsätze","alle Fahrzeuge (z.B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segelboote bis zu 4m Rumpflänge (auch mit Hilfsmotor)","alle Fahrzeuge (z.B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze","alle Fahrzeuge (z.B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segelboote bis zu 4m Rumpflänge (auch mit Hilfsmotor)","alle Fahrzeuge (z.B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze","alle Fahrzeuge (z.B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segelboote bis zu 4m Rumpflänge (auch mit Hilfsmotor)","alle Fahrzeuge (z.B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze","alle Fahrzeuge (z.B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segelboote bis zu 4m Rumpflänge (auch mit Hilfsmotor)","alle Fahrzeuge (z.B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren oder Treibsätze; Segel-boote bis zu 4 m Rumpflänge (auch mit Hilfsmotor)"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge (z. B. Surf- und Windsurfbretter), jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge, jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"," alle Fahrzeuge, jedoch ohne Motoren und/oder ohne Segel oder Treibsätze"]
["Surf- und Windsurfbretter, Kitesurf-Boards und Drachen",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","Nur Surf- und Windsurfbretter","Nur Surf- und Windsurfbretter","Nur Surf- und Windsurfbretter","Nur Surf- und Windsurfbretter","Nur Surf- und Windsurfbretter","Nur Surf- und Windsurfbretter","Nur Surf- und Windsurfbretter","Nur Surf- und Windsurfbretter","Nur Surfbretter","Nur Surfbretter"]
["Eigene Segelboote",null,"bis 20 m² Segelfläche","bis 20 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","-","-","bis 20 m² Segelfläche","bis 20 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","-","-","bis 20 m² Segelfläche","bis 20 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","-","-","bis 20 m² Segelfläche","bis 20 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","bis 15 m² Segelfläche","-","-","bis 4 m Rumpflänge (auch mit Hilfsmotor)","-","bis 4 m Rumpflänge (auch mit Hilfsmotor)","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Eigene Motorboote",null,"bis 15 PS / 11,03 kW","bis 15 PS / 11,03 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","-","-","bis 15 PS / 11,03 kW","bis 15 PS / 11,03 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","-","-","bis 15 PS / 11,03 kW","bis 15 PS / 11,03 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","-","-","bis 15 PS / 11,03 kW","bis 15 PS / 11,03 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","bis 5 PS / 3,7 kW","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mallorca-Deckung",null,"","","\u0098","\u0098","\u0098","\u0098","-","-","","","\u0098","\u0098","\u0098","\u0098","-","-","","","\u0098","\u0098","\u0098","\u0098","-","-","","","\u0098","\u0098","\u0098","\u0098","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
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["Halten und hüten von zahmen Haustieren, gezähmten Kleintieren und Bienen -  nicht jedoch Hunden, Rindern, Pferden, sonstigen Reit- und Zugtieren, wilden Tieren, sowie Tieren zur gewerblichen oder Landwirtschaftlichen Zwecken",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-",null,"","","","","","","","","",""]
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["Hüten von fremden Hunden – keine gefährlichen Hunde sowie Hunden die aufgrund\nvon Gesetzen und/oder Verordnungen einer Erlaubnispflicht unterliegen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","-","-","-","-","-","-","-","-","-","-"]
["Hüten von fremden Hunden (nicht gewerbsmäßig) - keine gefährlichen Hunde sowie Hunden die aufgrund von Gesetzen und/oder Verordnungen einer Erlaubnis unterliegen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","","","","","","","","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","","","","","","","","","",""]
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["Nebenberufliche Tätigkeit (z.B. Tupperware, Candle-Party)",null,"bis 12.000 EUR Jahresumsatz","bis 12.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","-","-","bis 12.000 EUR Jahresumsatz","bis 12.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","-","-","bis 12.000 EUR Jahresumsatz","bis 12.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","-","-","bis 12.000 EUR Jahresumsatz","bis 12.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","bis 6.000 EUR Jahresumsatz","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
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["Sachschäden durch allmähliche Einwirkung von Temperatur, Gasen, Dämpfen und Feuchtigkeit",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","","",""]
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["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse",null,"","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","","","\u0098","\u0098","\u0098","\u0098","\u0098","\u0098","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Innovationsklausel/ Künftige Bedingungsverbesserungen",null,"","","\u0098","\u0098","\u0098","\u0098","-","-","","","\u0098","\u0098","\u0098","\u0098","-","-","","","\u0098","\u0098","\u0098","\u0098","-","-","","","\u0098","\u0098","\u0098","\u0098","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
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["Auslandsaufenthalt außerhalb Europas7\nKautionsleistung bei Schäden innerhalb Europas",null,"5 Jahre\n100.000 EUR","5 Jahre\n100.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","1 Jahr\n25.000 EUR","1 Jahr\n25.000 EUR","5 Jahre\n100.000 EUR","5 Jahre\n100.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","1 Jahr\n25.000 EUR","1 Jahr\n25.000 EUR","5 Jahre\n100.000 EUR","5 Jahre\n100.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","1 Jahr\n25.000 EUR","1 Jahr\n25.000 EUR","5 Jahre\n100.000 EUR","5 Jahre\n100.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","3 Jahre\n50.000 EUR","1 Jahr\n25.000 EUR","1 Jahr\n25.000 EUR","5 Jahre\n50.000 EUR","1 Jahre\n25.000 EUR","5 Jahre\n50.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n50.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n50.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n50.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n50.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","3 Jahre\n25.000 EUR","1 Jahre\n25.000 EUR","2 Jahre\n25.000 EUR","2 Jahre\n25.000 EUR","2 Jahre\n25.000 EUR","2 Jahre\n25.000 EUR","2 Jahre\n50.000 DM","2 Jahre\n50.000 DM","1 Jahr (außerhalb EG1)\n-","1 Jahr (außerhalb EG1)\n-","1 Jahr (außerhalb EG1)\n-","1 Jahr (außerhalb EG1)\n-"]
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[]
[null,null," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird "," mitversichert im Rahmen der Vertragsbedingungen \n1 max. das Zweifache je Versicherungsjahr       \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme           \n4 soweit sie eine Schlüsselfunktion haben   \n5  begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr   \n6 innerhalb der Versicherungssumme \n7 soweit der inländische Wohnsitz beibehalten wird ","1 max. das Zweifache je Versicherungsjahr \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme \n4 soweit sie eine Schlüsselfunktion haben \n5 begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr \n6 innerhalb der Versicherungssumme","1 max. das Zweifache je Versicherungsjahr\n² im Rahmen der Versicherungssumme, max. das Einfache je Versicherungjahr","1 max. das Zweifache je Versicherungsjahr\n² im Rahmen der Versicherungssumme, max. das Einfache je Versicherungjahr","1 max. das Zweifache je Versicherungsjahr\n² im Rahmen der Versicherungssumme, max. das Einfache je Versicherungjahr","1 max. das Zweifache je Versicherungsjahr \n² Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den vier Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme \n4 soweit sie eine Schlüsselfunktion haben \n5 begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, max. das Zweifache je Versicherungsjahr \n6 innerhalb der Versicherungssumme","1 max. das Zweifache je Versicherungsjahr\n² im Rahmen der Versicherungssumme, max. das Einfache je Versicherungjahr","1 max. das Zweifache je Versicherungsjahr \n2 Europaen Free Trade Assocation (Europäische Freihandelsabbkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen \n3 begrenzt auf 5 Mio EUR innerhalb der Versicherungssumme \n4 soweit sie eine Schlüsselfunktion haben 5 begrenzt auf 2 Mio EUR innerhalb der Versicherungssumme, mas das Zweifache je Versicherungsjahr \n6 innerhalb der Versicherungssumme","1 max. das Zweifache je Versicherungsjahr\n² im Rahmen der Versicherungssumme, max. das Einfache je Versicherungjahr","*European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n** pro Versicherungsjahr max. das Zweifache \n*** pauschal für Personen- und Sachschäden, ohne Vermögensschäden","* pro Versicherungsjahr max. das Zweifache","* European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n** pro Versicherungsjahr max. das Zweifache \n*** pauschal für Personen- und Sachschäden, ohne Vermögensschäden","* pro Versicherungsjahr max. das Zweifache","\n* European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n** pro Versicherungsjahr max. das Zweifache \n*** pauschal für Personen- und Sachschäden, ohne Vermögensschäden","* pro Versicherungsjahr max. das Zweifache","* European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n** pro Versicherungsjahr max. das Zweifache","* pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden","1 European Free Trade Association (Europäische Freihandelsabkommen) zwischen den 4 Staaten Island, Lichtenstein, Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache","1 EU, der Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden\n","1 EU, der Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden\n","1 EU, der Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden\n","1 EU, der Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden\n","1 EU, der Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden\n","1 EU, der Schweiz und Norwegen\n² pro Versicherungsjahr max. das Zweifache\n³ pauschal für Personen- und Sachschäden, ohne Vermögensschäden\n","1 Europäische Gemeinschaft\n² pro Versicherungsjahr max. das Zweifache\n","1 Europäische Gemeinschaft\n² pro Versicherungsjahr max. das Zweifache\n","1 Europäische Gemeinschaft\n² pro Versicherungsjahr max. das Zweifache\n","1 Europäische Gemeinschaft\n² pro Versicherungsjahr max. das Zweifache\n"]
[]
[]
[]
[]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · prs-pmp@alte-leipziger.de · Telefon 06171 66-2056 · Telefax 06171 66-4950 · ALTE LEIPZIGER – HALLESCHE Konzern"]

{"sheet":"Ergebnis PHV","index":4,"n_rows":128,"n_cols":1,"rows_kept":128,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Private Haftplichtversicherung "]
[]
["Vergleich von Tarifen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes geht ausschließlich aus den vereinbarten Versicherungsbedingungen hervor."]
[]
["Tarif"]
["Bedingungen"]
["Vertragsbestandteil"]
["Deklaration"]
[]
["Mitversicherte Personen"]
["Ehepartner, Lebenspartner nach Lebenspartnerschaftsgesetz"]
["Unverheirateter Lebensgefährte in häuslicher Gemeinschaft"]
["Regressansprüche durch Sozialversicherungsträger, private und auch öffentliche Arbeitgeber sowie von privaten Versicherern"]
["Minderjährige unverheiratete Kinder"]
["Volljährige unverheiratete Kinder\n- in Schul- oder unmittelbar anschließender Erstausbildung\n- im Anschluss an Schulausbildung während Wartezeit auf Ausbildungsplatz, Lehre oder Studium\n- Kinder nach abgeschlossener Erstausbildung während Wartezeit auf weitere Ausbildung (Lehre, Studium,\n  Referendarzeit) oder während Arbeitsplatzsuche\n- während Grundwehr- oder Bundesfreiwilligendienst, sozialem oder ökologischem Jahr\n- in Zweitausbildung (Lehre, Ausbildungsplatz oder Studium) unmittelbar im Anschluss an Erstausbildung\n  bis zur Vollendung des 27. Lebensjahres"]
["Kinder mit geistiger bzw. körperlicher Behinderung in häuslicher Gemeinschaft (auch im Pflegeheim)"]
["Nachversicherungsschutz für ausscheidende Personen (volljährige Kinder) bis zur nächsten Hauptfälligkeit, mindestens 6 Monate"]
["Gastkinder, Austauschschüler (subsidiär)"]
["Haushaltshilfe z.B. Pflegepersonal oder Au-pair"]
["Versicherungssummen"]
["Versicherungssummen –Personen-, Sachschäden"]
["Vermögensschäden"]
["Vorsorgeversicherung"]
["Wohnungen, Immobilien, Räume, Bauherr"]
["Inhaber einer oder mehrerer Wohnungen (bei Wohnungseigentum als Sondereigentümer) - einschließlich Ferienwohnung)"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- einer oder mehrerer Wohnungen – einschließlich Eigentums- oder Ferienwohnung\n- eines Einfamilienhauses (bzw. einer Doppelhaushälfte) oder einem Wohnhaus, sofern sich in diesem\n  nicht mehr als zwei abgeschlossene Wohnungen befinden\n- eines Wochenend-/Ferienhaues\n- zugehöriger Garagen, Gärten sowie einem Schrebergarten soweit vom VN oder mitversicherten\n  Personen selbst genutzt"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- einer oder mehrerer Wohnungen – einschließlich Ferienwohnung –\n- eines Einfamilienhauses (bzw. einer Doppelhaushälfte) oder einem Wohnhaus, sofern sich in diesem\n  nicht mehr als zwei abgeschlossene Wohnungen befinden\n- eines Wochenend-/Ferienhaues\n- zugehöriger Garagen, Gärten sowie einem Schrebergarten soweit vom VN oder mitversicherten\n  Personen selbst genutzt"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- einer oder mehrerer Wohnungen – einschließlich Eigentums- und Ferienwohnung –\n- eines Einfamilienhauses (bzw. einer Doppelhaushälfte) oder einem Wohnhaus, sofern sich in diesem\n  nicht mehr als zwei abgeschlossene Wohnungen befinden\n- eines Wochenend-/Ferienhaues oder einem auf Dauer fest installierten Wohnwagen\n- zugehöriger Garagen, Gärten sowie einem Schrebergarten soweit vom VN oder mitversicherten\n  Personen selbst genutzt"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- einer oder mehrerer Wohnungen – einschließlich Eigentums- und Ferienwohnung –\n- einem Wohnhaus, sofern sich in diesem nicht mehr als zwei abgeschlossene Wohnungen befinden\n- eines Wochenend-/Ferienhaues oder einem auf Dauer fest installierten Wohnwagen\n- zugehöriger Garagen, Gärten sowie einem Schrebergarten soweit vom VN oder mitversicherten\n  Personen selbst genutzt"]
["Eigentümer oder Mieter von\n- einem auf Dauer fest installierten Wohnwagen\n- einem unbebauten Grundstückes bis 1.000 m² ausschließlich zur privaten Nutzung soweit vom VN oder\n  mitversicherten Personen selbst genutzt"]
["Eigentümer oder Mieter von\n- einer Eigentumswohnung\n- einem auf Dauer fest installierten Wohnwagen\n- zugehörigen Garagen, Gärten sowie Schrebergarten\n- einem unbebauten Grundstückes bis 1.000 m² ausschließlich zur privaten Nutzung soweit vom VN oder\n  mitversicherten Personen selbst genutzt"]
["Inhaber (z.B. Eigentümer oder Mieter)\n- von Swimmingpools oder Teichen\n- Miteigentum an zum Haus gehörenden Einrichtungen (z.B. Spielplätze) soweit vom VN oder\n  mitversicherten Personen selbst genutzt"]
["Vermietung von einzelnen Wohnräumen"]
["Vermietung von\n- einer Eigentumswohnung (auch Ferienwohnung) sowie dazugehörige Garagen\n- einer einzelnen Garage (auch Stellplatz)"]
["Vermietung von\n- einem Ferienhaus\n- einer Einliegerwohnung oder Wohnung im ZFH"]
["Vermietung von einzelnen Fremdenzimmern"]
["Verpachtung von unbebauten Grundstücken"]
["Bauherren (Bausumme)"]
["Bauhelfer"]
["Gewässerschaden-Restrisiko"]
["Gewässerschäden aus Kleingebinden bis 50 l/kg / 300 l/kg"]
["Gewässerschäden aus Kleingebinden bis 100 l/kg / 500 l/kg"]
["Gesetzliche Haftpflicht3 aus dem Besitz und Betrieb im selbstgenutztem Risiko (Postanschrift) für\n- einen Heizöltank oder\n- einen Flüssiggastank\n- eine Photovoltaikanlage (inkl. Energieabgabe ins öffentliche Stromnetz)\n- eine Solarthermieanlage\n- eine Erdwärmeanlage"]
["Häusliche Abwässer und Rückstau des Straßenkanals"]
["Sachschäden durch Abwasser aus dem Rückstau des Straßenkanals"]
["Mietsachschäden\n- an zu privaten Zwecken gemieteten Immobilien\n- an Mobiliar in Hotels, Ferienwohnungen/- häusern\n- an Mobiliar in Pensionen, Schiffskabinen oder Schlafwagenabteilen"]
["Fahrzeuge"]
["Kfz und Anhänger auf eigenem Grundstück ohne Rücksicht auf Höchstgeschwindigkeit"]
["Alle Kfz bis 6 km/h, z.B. motorgetriebene Kinderfahrzeuge"]
["Selbstfahrende Arbeitsmaschinen bis 20 km/h, z.B. Rasenmäher, Schneeräumgeräte, Kehrmaschinen"]
["Nicht versicherungspflichtige Anhänger"]
["Elektrorollstühle und Golfwagen/-caddie nicht zulassungs- und versicherungspflichtig"]
["Pedelecs (Elektrofahrräder) bis 25 km/h und nicht mehr als 250 Watt Motorleistung"]
["Besitz und Gebrauch von ferngesteuerten Modell-/Spielfahrzeugen"]
["Ferngelenkte Land- und Wasser-Modellfahrzeuge"]
["Gebrauch von Flugmodellen - kein Antrieb durch Treibsätze/Motoren bis 5 kg"]
["Besitz und Gebrauch von Flugmodellen, unbemannten Ballonen und Drachen, deren Gewicht 5 kg nicht übersteigt"]
["Luftfahrzeuge, die nicht der Versicherungspflicht unterliegen"]
["Gelegentlicher Gebrauch von fremden Wassersportfahrzeugen (auch mit Motoren), soweit für das Führen keine behördliche Erlaubnis erforderlich ist"]
["Gebrauch von fremden Wassersportfahrzeugen"]
["Eigene Wassersportfahrzeuge"]
["Surf- und Windsurfbretter, Kitesurf-Boards und Drachen"]
["Eigene Segelboote"]
["Eigene Motorboote"]
["Mallorca-Deckung"]
["Schäden Dritter beim Be- und Entladen des selbstgebrauchten Kraftfahrzeugs"]
["Tiere"]
["Halten und hüten von zahmen Haustieren, gezähmten Kleintieren und Bienen -  nicht jedoch Hunden, Rindern, Pferden, sonstigen Reit- und Zugtieren, wilden Tieren, sowie Tieren zur gewerblichen oder Landwirtschaftlichen Zwecken"]
["Halten und Hüten von zahmen Haustieren, nicht jedoch Hunden, Rindern, Pferden, gewerbliche Tierhaltung"]
["Hüten von fremden Hunden (nicht gewerbsmäßig) auch Kampfhunde"]
["Hüten von fremden Hunden – keine gefährlichen Hunde sowie Hunden die aufgrund\nvon Gesetzen und/oder Verordnungen einer Erlaubnispflicht unterliegen"]
["Hüten von fremden Hunden (nicht gewerbsmäßig) - keine gefährlichen Hunde sowie Hunden die aufgrund von Gesetzen und/oder Verordnungen einer Erlaubnis unterliegen"]
["Behindertenbegleithund oder Signalhund (Blindenhund)"]
["Reiten fremder Pferde"]
["Hüten/Reiter fremder Pferde (auch Reitbeteiligung)"]
["Fahren fremder Fuhrwerke zu privaten Zwecken"]
["Tätigkeiten"]
["Ansprüche von nicht versicherten Lebensgefährten, die mit dem VN in häuslicher gemeinschaft leben"]
["Tätigkeit als Tagesmutter – bis max. 5 Kinder"]
["Nebenberufliche Tätigkeit (z.B. Tupperware, Candle-Party)"]
["Tätigkeit als Betreuer/Vormund mitversicherter Personen"]
["Ehrenamt"]
["Sachschäden aus Anlass einer Gefälligkeitshandlung"]
["Ausübung von Sport (außer Jagd)"]
["Fahrräder im Besitz und Gebrauch"]
["Personen"]
["Ein alleinstehender Eltern- bzw. Großelternteil in häuslicher Gemeinschaft"]
["Ein pflegebedürftiger Angehöriger in häuslicher Gemeinschaft (mind. Pflegestufe I)"]
["Ein pflegebedürftiger Angehöriger im Pflegeheim (mind. Pflegestufe II)"]
["Sach- u. Personenschäden durch mitversicherte volljährig geistig behinderte Angehörige"]
["Minderjähriger Enkel in häuslicher Gemeinschaft inkl. erweiterter Enkelschutz für Personenschäden"]
["Volljährige unverheiratete Kinder in häuslicher Gemeinschaft, die sich nicht mehr in Ausbildung befinden"]
["Nothelfer inkl. deren Aufwendungen"]
["Sonstiges"]
["Sachschäden\n- aus der Teilnahme an schulischen Praktika, Betriebspraktika oder am fachpraktischen Unterricht\n- an Ausbildungsgegenständen\n- bei Arbeitskollegen"]
["Sach- und Personenschäden durch deliktsunfähige Minderjährige"]
["Sachschäden durch allmähliche Einwirkung von Temperatur, Gasen, Dämpfen und Feuchtigkeit"]
["Schäden an fremden, gemieteten oder geliehenen Sachen"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse"]
["Innovationsklausel/ Künftige Bedingungsverbesserungen"]
["Leistungsgarantie gegenüber den Musterbedingungen / Tarifstruktur IX des GDV"]
["Best-Leistungs-Garantie"]
["Verlust von fremden Schlüsseln zu versicherten Immobilien"]
["Verlust von fremden privaten Schlüsseln zu versicherten Immobilien"]
["Verlust von fremden privaten Schlüsseln / Codekarten4"]
["Verlust von überlassenen Schlüsseln / Codekarten4 im Rahmen von Verein-, Dienst- und Arbeitsverhältnissen (subsidiär zur Vereins- oder Betriebshaftpflicht)"]
["Erlaubter privater Waffenbesitz"]
["Forderungsausfalldeckung5"]
["Forderungsausfallversicherung"]
["Prämienfreistellung (bis zu einem Jahr bei Arbeitslosigkeit)"]
["Schäden aus Anfeindung, Schikane, Belästigung, Ungleichbehandlung oder sonstigen Diskriminierungen"]
["Schäden durch elektronischen Datenaustausch/ Internetnutzung"]
["Schadenersatz zum Neuwert auf Wunsch des VN"]
["Umweltschadensversicherung (Ökoschutzversicherung)"]
["Auslandsaufenthalt innerhalb Europas7"]
["Auslandsaufenthalt außerhalb Europas7\nKautionsleistung bei Schäden innerhalb Europas"]
["Zusätzlicher Schutz"]
[]
[]
[]
[]
[]
[]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · prs-pmp@alte-leipziger.de · Telefon 06171 66-2056 · Telefax 06171 66-4950 · ALTE LEIPZIGER – HALLESCHE Konzern"]

{"sheet":"Tapete THV-Hund","index":5,"n_rows":78,"n_cols":16,"rows_kept":78,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Private Tierhalterhaftplichtversicherung - Hunde"]
[]
["Vergleich von Tarifen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes geht ausschließlich aus den vereinbarten Versicherungsbedingungen hervor."]
[]
["Tarif",null," Tarif 07.2014","Tarif 07.2014","Tarif 01.2010","Tarif 01.2009","Tarif 07.2004","Tarif 10.2003","Tarif 01.2002","Tarif 01.2001","Tarif 07.1997","Tarif 01.1997"]
["Bedingungen",null,"AL-AHB 2008 ","AL-AHB 2008","AL-AHB 2008 ","AL-AHB 2008 ","AL-AHB 2004","AL-AHB 2003","AL-AHB  07-2001","AL-AHB  07-2000","AL-AHB 07-1997","AL-AHB 01-1997"]
["Vertragsbestandteil",null,"S 97.5, S 97.7","S 97.5, S 97.7","S 74.9 , S 97.4","S 74.8 , S 74.7","S 74.6","S 74.5","S 74.4","S 74.3","S 74.2","S 74.1"]
["Deklaration",null,"comfort","classic","Tierhalter-Haftpflicht Hund","Tierhalter-Haftpflicht Hund","Tierhalter-Haftpflicht Hund","Tierhalter-Haftpflicht Hund","Tierhalter-Haftpflicht Hund","Tierhalter-Haftpflicht Hund","Tierhalter-Haftpflicht Hund","Tierhalter-Haftpflicht Hund"]
[]
["Versicherungssummen pauschal für Personen-, Sach- und Vermögensschäden",null,"20 Mio EUR1","10 Mio EUR","5 Mio EUR / 8 Mio EUR","5 Mio EUR / 8 Mio EUR","2 Mio EUR / 3 Mio EUR","2 Mio EUR / 3 Mio EUR","2 Mio EUR / 3 Mio EUR","3 Mio DM / 5 Mio DM","3 Mio DM / 5 Mio DM","3 Mio DM / 5 Mio DM","Zeilenhöhe (Pixel)","ausprobieren:","rechnerisch:"]
["Vorsorgeversicherung in Höhe der Versicherungssumme",null,"●","●","●","●","●","●","●","●","●","●","1-zeilig","26","16,625"]
["Erhöhung und Erweiterung gilt auch für versicherungspflichtige Hunde (nicht für gefährliche Hunde*)",null,"●","●","-","-","-","-","-","-","-","-","2-zeilig","46",{"$f":"$O$15*2","v":33.25}]
["Versicherte Personen ",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","3-zeilig","66",{"$f":"$O$15*3","v":49.875}]
["Versicherungsnehmer als Halter/Mithalter",null,"●","●","●","●","●","●","●","●","●","●","4-zeilig","88",{"$f":"$O$15*4","v":66.5}]
["Mitversichert sind als Halter/Mithalter",null,"Platzhalter","Platzhalter","Platzhalter",null,null,null,null,null,null,null,"5-zeilig","110",{"$f":"$O$15*5","v":83.125}]
["-         Ehepartner, Lebenspartner nach Lebenspartnerschaftsgesetz",null,"●","●","●","-","-","-","-","-","-","-","6-zeilig","132",{"$f":"$O$15*6","v":99.75}]
["-         Lebensgefährten des Versicherungsnehmers in häuslicher Gemeinschaft",null,"●","●","●","-","-","-","-","-","-","-","7-zeilig","154",{"$f":"$O$15*7","v":116.375}]
["-         Familienangehörige in häuslicher Gemeinschaft",null,"●","●","-","-","-","-","-","-","-","-","8-zeilig","176","133 müsste ok sein, demnach:",{"$f":"CONCATENATE(133/8, \" Pixel pro Zeile\")","v":"16,625 Pixel pro Zeile"}]
["-         Sonstige Personen in häuslicher Gemeinschaft",null,"●","-","-","-","-","-","-","-","-","-"]
["-         minderjährige unverheiratete Kinder",null,"-","-","●","-","-","-","-","-","-","-"]
["-        volljährige unverheiratete Kinder in Schul- oder unmittelbar anschließender Erstausbildung,",null,"-","-"," ● ","-","-","-","-","-","-","-"]
["-        volljährige unverheiratete Kinder während freiwilligem zusätzlichen Wehrdienst, vor, während oder \n          im Anschluss an die Berufsausbildung (berufliche Erstausbildung)",null,"-","-","●","-","-","-","-","-","-","-"]
["Tierhüter, sofern nicht gewerbsmäßig tätig ",null,"●","●","●","●","●","●","●","●","●","●"]
["Haftpflichtansprüche des fremden Tierhüters gegen den Versicherungsnehmer",null,"●","●","●","●","●","●","●","●","●","●"]
["Regressansprüche von Sozialversicherungsträgern, Sozialhilfeträgern; Arbeitgebern, privaten Versicherern",null,"●","●","-","-","-","-","-","-","-","-"]
["Nachversicherungsschutz bei Tod des Versicherungsnehmers",null,"●","●","●","-","-","-","-","-","-","-"]
["Versicherte Eigenschaften und Tätigkeiten",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Kein Leinen- oder Maulkorbzwang",null,"●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Hüter fremder Hunde (subsidiärer Versicherungsschutz)",null,"●","●","-","-","-","-","-","-","-","-"]
["Ausübung von Hundesport (z.B. Agility, Dog Dance, Fly Ball, Hunde-Frisbee, Zughundesport)",null,"●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Teilnahme an Ausbildungslehrgängen und Prüfungen, Veranstaltungen wie Ausstellungen, \nSchauvorführungen etc.",null,"●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Teilnahme an Hundeschauen oder Schauvorführungen",null,"●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Teilnahme an Rennen (auch Schlittenhunderennen)",null,"●","●","-","-","-","-","-","-","-","-"]
["Teilnahme an Schlittenhunderennen",null,"●\n aber nicht erwähnt","●\n aber nicht erwähnt","\n●\n","\n●\n","-","-","-","-","-","-"]
["Eigene Nutzung als Assistenzhund (Blindenführhund, Signalhund, Behindertenbegleithund)",null,"●","●","-","-","-","-","-","-","-","-"]
["Private Nutzung als Such- oder Rettungshund (auch ehrenamtlich)",null,"●","●","-","-","-","-","-","-","-","-"]
["Verwendung der versicherten Hunde als Zugtiere bei privaten Fahrten sowie Besitz und Gebrauch von eigenen und fremden Hundefuhrwerken (z.B. Dog Cars, Schlitten, Kutschen) inkl. gelegentlicher unentgeltlicher Beförderung von Gästen",null,"●","●","-","-","-","-","-","-","-","-"]
["Besitz und Gebrauch von eigenen oder fremden Hundetransportanhängern zu privaten Zwecken, soweit sie nicht versicherungspflichtig sind",null,"●","●","-","-","-","-","-","-","-","-"]
["Ansprüche von Figuranten (Scheinverbrechern)",null,"●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Ungewollter und gewollter Deckakt",null,"●","●","●","●\naber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Flurschäden und tierische Ausscheidungen",null,"●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Haltung von Welpen der versicherten Hündin",null,"bis 12 Monate nach Geburt","bis 12 Monate nach Geburt","ab Geburt \nbis 12 Monate","ab Geburt \nbis 3 Monate","ab Geburt \nbis 3 Monate","ab Geburt \nbis 3 Monate","ab Geburt \nbis 3 Monate","ab Geburt \nbis 3 Monate","ab Geburt\nbis 3 Monate","ab Geburt\nbis 3 Monate"]
["Private Nutzung zu therapeutischen Zwecken (auch ehrenamtlich)",null,"●","●","-","-","-","-","-","-","-","-"]
["Mietsachschäden an",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["·        Wohnräumen und sonstigen zu privaten Zwecken gemieteten Räumen in Gebäuden einschließlich \n       dazugehöriger Balkone, Terrasen und Loggien (auch Stallungen, Boxen, Zwinger)",null,"●","●","●","-","-","-","-","-","-","-"]
["·        Wohnräumen und sonstigen zu privaten Zwecken gemieteten Räumen in Gebäuden einschließlich \n       dazugehöriger Balkone, Terrasen und Loggien",null,"-","-","-","●","●","●","-","-","-","-"]
["·        beweglichen Sachen in Hotelzimmern, Ferienwohnungen oder -häusern",null,"●","●","●","●","●","●","-","-","-","-"]
["·        gemieteten Schiffskabinen",null,"●","-","-","-","-","-","-","-","-","-"]
["·        beweglichen Sachen in Schiffskabinen und Schlafwagenabteilen",null,"●","-","-","-","-","-","-","-","-","-"]
["·        fremden, gemieteten oder geliehenen Sachen (auch an Hundetransportanhängern)",null,"10.000 EUR mit SB 100 EUR ","5.000 EUR mit SB 100 EUR","-","-","-","-","-","-","-","-"]
["Erweiterungen des Versicherungsschutzes ",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Sachschäden durch allmähliche Einwirkung von Temperatur, Gasen, Dämpfen und Feuchtigkeit",null,"●","●","-","-","-","-","-","-","-","-"]
["Sachschäden durch Abwässer aus dem Rückstau des Straßenkanals",null,"●","●","-","-","-","-","-","-","-","-"]
["Schadenersatz zum Neuwert auf Wunsch des VN",null,"bis 1.000 EUR","-","-","-","-","-","-","-","-","-"]
["Umweltschadensversicherung (Ökoschutzversicherung) ",null,"bis 3 Mio EUR²","bis 3 Mio  EUR²","bis 3 Mio EUR²","-","-","-","-","-","-","-"]
["Gewässerschaden-Restrisiko",null,"●","●","●","●","●","●","-","-","-","-"]
["Gewässerschäden aus Kleingebinden",null,"250 l/kg /1.000 l/kg","100 l/kg /500 l/kg","-","-","-","-","-","-","-","-"]
["Forderungsausfallversicherung (bis 2.000.000 EUR³ Versicherungssumme)",null,"ab 1.000 EUR\nSchadenhöhe inkl. RS4 und Gewaltopferschutz","ab 1.500 EUR\nSchadenhöhe  und Gewaltopferschutz","ab 2.500 EUR\nSchadenhöhe ohne Gewaltopferschutz","-","-","-","-","-","-","-"]
["Auslandsaufenthalt innerhalb Europas",null,"unbegrenzt","unbegrenzt","\n unbegrenzt","\n unbegrenzt","\n unbegrenzt","\n unbegrenzt","unbegrenzt in \nEU, Schweiz, Norwegen","unbegrenzt in \nEU, Schweiz, Norwegen","unbegrenzt in \nEU, Schweiz, Norwegen","unbegrenzt in \nEU, Schweiz, Norwegen"]
["Auslandsaufenthalt außerhalb Europas",null,"5 Jahre ","3 Jahre","5 Jahre ","3 Jahre"," 3 Jahre "," 3 Jahre ","2 Jahre in \nEU, Schweiz, Norwegen ","2 Jahre in \nEU, Schweiz, Norwegen ","1 Jahr","1 Jahr"]
["Voraussetzung ist: Bankverbindung und Wohnsitz in Deutschland",null,"Ja ","Ja ","Ja ","Ja ","Ja ","Ja ","Ja ","Ja ","Ja ","Ja "]
["Verbesserte Auslandsdeckung bei gleichzeitigem Bestehen einer Privathaftpflichtversicherung",null,"●","●","-","-","-","-","-","-","-","-"]
["Kautionsleistung bei Schäden innerhalb Europas",null,"100.000 EUR","50.000 EUR","30.000 EUR","3 %o der Vsumme","25.000 EUR","25.000 EUR","EU, Schweiz, Norwegen \n25.000 EUR","EU, Schweiz, Norwegen \n50.000 DM","EU, Schweiz, Norwegen \n50.000 DM","EU, Schweiz, Norwegen \n50.000 DM"]
["Sonstiges",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Prämienfreistellung (bis zu einem Jahr bei Arbeitslosigkeit)",null,"●","-","-","-","-","-","-","-","-","-"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse",null,"●","●","-","-","-","-","-","-","-","-"]
["Leistungsgarantie gegenüber den Musterbedingungen/Tarifstruktur III des GDV",null,"●","●","-","-","-","-","-","-","-","-"]
["Innovationsklausel/Künftige Bedingungsverbesserungen ",null,"●","●","-","-","-","-","-","-","-","-"]
["*Gefährliche Hunde\nKein Versicherungsschutz besteht bei der Haltung von gefährlichen Hunden, sowie von Hunden die aufgrund von Gesetzes oder Verordnungen erlaubnispflichtig sind:",null,"Nicht versicherte Kampfhunde:","Nicht versicherte Kampfhunde:","Nicht versicherte Kampfhunde:","Nicht versicherte Kampfhunde:","Nicht versicherte Kampfhunde:","Nicht versicherte Kampfhunde:","Nicht versicherte Kampfhunde:","Nicht versicherte Kampfhunde:","Nicht versicherte Kampfhunde:","-"]
["Als solche gelten:",null,"Alano, American Bulldog, American Staffordshire Terrier, Bandog, Bullmastiff, Bullterrier, Cane Corso, Dobermann, Dogo Argentino, Dogue de Bordeaux (Bordeaux Dogge), Fila Brasileiro, Kangal (Karasbash), Mastiff, Mastin Espanol, Mastino Napoletano, kaukasischer Owtscharka, Perro de Presa Canario, Perro de Presa Mallorquin, Pitbull Terrier (American Pitbull), Rottweiler, Staffordshire Bullterrier, Tosa-Inu und Kreuzungen mit diesen Hunden.","Alano, American Bulldog, American Staffordshire Terrier, Bandog, Bullmastiff, Bullterrier, Cane Corso, Dobermann, Dogo Argentino, Dogue de Bordeaux (Bordeaux Dogge), Fila Brasileiro, Kangal (Karasbash), Mastiff, Mastin Espanol, Mastino Napoletano, kaukasischer Owtscharka, Perro de Presa Canario, Perro de Presa Mallorquin, Pitbull Terrier (American Pitbull), Rottweiler, Staffordshire Bullterrier, Tosa-Inu und Kreuzungen mit diesen Hunden.","Alano, American Bulldog, American\nStaffordshire Terrier, Bandog, Bullmastiff, Bullterrier, Cane Corso,\nDobermann, Dogo Argentino, Dogue de Bordeaux (Bordeaux Dogge),\nFila Brasileiro, Kangal (Karasbash), Mastiff, Mastin Espanol, Mastino\nNapoletano, kaukasischer Owtscharka, Perro de Presa Canario, Perro de\nPresa Mallorquin, Pitbull Terrier (American Pitbull), Rottweiler, Staffordshire\nBullterrier, Tosa-Inu und Kreuzungen mit diesen Hunden.","Alano, American Bulldog, American Staffordshire Terrier, Bandog, Bullmastiff, Bullter-rier, Cane Corso, Dobermann, Dogo Argentino, Dogue de Bordeaux (Bordeaux Dogge), Fila Brasileiro, Kangal (Karas-bash), Mastiff, Mastin Espanol, Mastino Napoletano, kaukasi-scher Owtscharka, Perro de Presa Canario, Perro de Presa Mallorquin, Pitbull Terrier (American Pitbull), Rhodesian Ridgeback, Rottweiler, Staffordshire Bullterrier, Tosa-Inu und Kreuzungen mit diesen Hunden.","Alano, American Bulldog,American Staffordshire Terrier, Bandog, Bullmastiff,\nBullterrier, Cane Corso, Dobermann, Dogo Argentino, Dogue de Bordeaux (Bordeaux Dogge), Fila Brasileiro, Kangal\n(Karasbash), Mastiff, Mastin Espanol, Mastino Napoletano, kaukasischer Owtscharka, Perro de Presa Canario, Perro de Presa Mallorquin, Pitbull Terrier (American Pitbull), Rhodesian\nRidgeback, Rottweiler, Staffordshire Bullterrier, Tosa-Inu und\nKreuzungen mit diesen Hunden.","Alano, American Bulldog, American Staffordshire Terrier, Bandog, Bullmastiff, Bullterrier, Cane Corso, Dobermann, Dogo Argentino, Dogue de Bordeaux (Bordeaux Dogge), Fila Brasileiro, Kangal (Karasbash), Mastiff, Mastin Espanol, Mastino Napoletano, kaukasischer Owtscharka, Perro de Presa Canario, Perro de Presa Mallorquin, Pitbull Terrier (American Pitbull), Rhodesian Ridgeback, Rottweiler, Staffordshire Bullterrier, Tosa-Inu und Kreuzungen mit diesen Hunden.","Fila Brasileiro, Mastino Napoletano, American Staffordshire Terrier, Staffordsire Bullterrier, Bullterrier, Bandog, Pti-Bullterier, Tosa-Inu, Bullmastiff, Dogo Argentino, Dogue des Bordeaux, Mastiff, Mastin Espanol, Rhodesien Ridgeback und Kreuzungen mit diesen Hunden.","Fila Brasileiro, Mastino Napoletano, American Staffordshire Terrier, Staffordsire Bullterrier, Bullterrier, Bandog, Pti-Bullterier, Tosa-Inu, Bullmastiff, Dogo Argentino, Dogue des Bordeaux, Mastiff, Mastin Espanol, Rhodesien Ridgeback und Kreuzungen mit diesen Hunden.","Fila Brasilero, Mastino Napolerano, American Staffardshire Terrier, Staffordshire Bullterrier, Bullterrier, Bandog, Pit-Bullterrier und Kreuzungen mit diesen Hunden","-"]
[null,null,"1 höchstens 15 Mio EUR je geschädigte Person\n2 innerhalb der Versicheurngssumme\n3 für Personen- und Sachschäden inner der Versicherungssumme\n4 bis 150.000 EUR je Rechtsschutzfall","2 innerhalb der Versicheurngssumme\n3 für Personen- und Sachschäden inner der Versicherungssumme","2 innerhalb der Versicheurngssumme\n3 für Personen- und Sachschäden inner der Versicherungssumme","-","-","-","-","-",null,"-"]
[]
["ALTE LEIPZIGER – HALLESCHE Konzern"]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · service@alte-leipziger.de · Telefon 06171 66-00 · Telefax 06171 66-2443"]

{"sheet":"Ergebnis THV-Hund","index":6,"n_rows":78,"n_cols":1,"rows_kept":78,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Private Tierhalterhaftplichtversicherung - Hunde"]
[]
["Vergleich von Tarifen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes geht ausschließlich aus den vereinbarten Versicherungsbedingungen hervor."]
[]
["Tarif"]
["Bedingungen"]
["Vertragsbestandteil"]
["Deklaration"]
[]
["Versicherungssummen pauschal für Personen-, Sach- und Vermögensschäden"]
["Vorsorgeversicherung in Höhe der Versicherungssumme"]
["Erhöhung und Erweiterung gilt auch für versicherungspflichtige Hunde (nicht für gefährliche Hunde*)"]
["Versicherte Personen "]
["Versicherungsnehmer als Halter/Mithalter"]
["Mitversichert sind als Halter/Mithalter"]
["-         Ehepartner, Lebenspartner nach Lebenspartnerschaftsgesetz"]
["-         Lebensgefährten des Versicherungsnehmers in häuslicher Gemeinschaft"]
["-         Familienangehörige in häuslicher Gemeinschaft"]
["-         Sonstige Personen in häuslicher Gemeinschaft"]
["-         minderjährige unverheiratete Kinder"]
["-        volljährige unverheiratete Kinder in Schul- oder unmittelbar anschließender Erstausbildung,"]
["-        volljährige unverheiratete Kinder während freiwilligem zusätzlichen Wehrdienst, vor, während oder \n          im Anschluss an die Berufsausbildung (berufliche Erstausbildung)"]
["Tierhüter, sofern nicht gewerbsmäßig tätig "]
["Haftpflichtansprüche des fremden Tierhüters gegen den Versicherungsnehmer"]
["Regressansprüche von Sozialversicherungsträgern, Sozialhilfeträgern; Arbeitgebern, privaten Versicherern"]
["Nachversicherungsschutz bei Tod des Versicherungsnehmers"]
["Versicherte Eigenschaften und Tätigkeiten"]
["Kein Leinen- oder Maulkorbzwang"]
["Hüter fremder Hunde (subsidiärer Versicherungsschutz)"]
["Ausübung von Hundesport (z.B. Agility, Dog Dance, Fly Ball, Hunde-Frisbee, Zughundesport)"]
["Teilnahme an Ausbildungslehrgängen und Prüfungen, Veranstaltungen wie Ausstellungen, \nSchauvorführungen etc."]
["Teilnahme an Hundeschauen oder Schauvorführungen"]
["Teilnahme an Rennen (auch Schlittenhunderennen)"]
["Teilnahme an Schlittenhunderennen"]
["Eigene Nutzung als Assistenzhund (Blindenführhund, Signalhund, Behindertenbegleithund)"]
["Private Nutzung als Such- oder Rettungshund (auch ehrenamtlich)"]
["Verwendung der versicherten Hunde als Zugtiere bei privaten Fahrten sowie Besitz und Gebrauch von eigenen und fremden Hundefuhrwerken (z.B. Dog Cars, Schlitten, Kutschen) inkl. gelegentlicher unentgeltlicher Beförderung von Gästen"]
["Besitz und Gebrauch von eigenen oder fremden Hundetransportanhängern zu privaten Zwecken, soweit sie nicht versicherungspflichtig sind"]
["Ansprüche von Figuranten (Scheinverbrechern)"]
["Ungewollter und gewollter Deckakt"]
["Flurschäden und tierische Ausscheidungen"]
["Haltung von Welpen der versicherten Hündin"]
["Private Nutzung zu therapeutischen Zwecken (auch ehrenamtlich)"]
["Mietsachschäden an"]
["·        Wohnräumen und sonstigen zu privaten Zwecken gemieteten Räumen in Gebäuden einschließlich \n       dazugehöriger Balkone, Terrasen und Loggien (auch Stallungen, Boxen, Zwinger)"]
["·        Wohnräumen und sonstigen zu privaten Zwecken gemieteten Räumen in Gebäuden einschließlich \n       dazugehöriger Balkone, Terrasen und Loggien"]
["·        beweglichen Sachen in Hotelzimmern, Ferienwohnungen oder -häusern"]
["·        gemieteten Schiffskabinen"]
["·        beweglichen Sachen in Schiffskabinen und Schlafwagenabteilen"]
["·        fremden, gemieteten oder geliehenen Sachen (auch an Hundetransportanhängern)"]
["Erweiterungen des Versicherungsschutzes "]
["Sachschäden durch allmähliche Einwirkung von Temperatur, Gasen, Dämpfen und Feuchtigkeit"]
["Sachschäden durch Abwässer aus dem Rückstau des Straßenkanals"]
["Schadenersatz zum Neuwert auf Wunsch des VN"]
["Umweltschadensversicherung (Ökoschutzversicherung) "]
["Gewässerschaden-Restrisiko"]
["Gewässerschäden aus Kleingebinden"]
["Forderungsausfallversicherung (bis 2.000.000 EUR³ Versicherungssumme)"]
["Auslandsaufenthalt innerhalb Europas"]
["Auslandsaufenthalt außerhalb Europas"]
["Voraussetzung ist: Bankverbindung und Wohnsitz in Deutschland"]
["Verbesserte Auslandsdeckung bei gleichzeitigem Bestehen einer Privathaftpflichtversicherung"]
["Kautionsleistung bei Schäden innerhalb Europas"]
["Sonstiges"]
["Prämienfreistellung (bis zu einem Jahr bei Arbeitslosigkeit)"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse"]
["Leistungsgarantie gegenüber den Musterbedingungen/Tarifstruktur III des GDV"]
["Innovationsklausel/Künftige Bedingungsverbesserungen "]
["*Gefährliche Hunde\nKein Versicherungsschutz besteht bei der Haltung von gefährlichen Hunden, sowie von Hunden die aufgrund von Gesetzes oder Verordnungen erlaubnispflichtig sind:"]
["Als solche gelten:"]
[]
[]
["ALTE LEIPZIGER – HALLESCHE Konzern"]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · service@alte-leipziger.de · Telefon 06171 66-00 · Telefax 06171 66-2443"]

{"sheet":"Tapete THV-Pferd","index":7,"n_rows":79,"n_cols":12,"rows_kept":79,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Private Tierhalterhaftplichtversicherung - Pferde"]
[]
["Vergleich von Tarifen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes geht ausschließlich aus den vereinbarten Versicherungsbedingungen hervor."]
[]
["Tarif",null," Tarif 07.2014","Tarif 07.2014","Tarif 01.2010","Tarif 01.2009","Tarif 07.2004","Tarif 10.2003","Tarif 01.2002","Tarif 01.2001","Tarif 07.1997","Tarif 01.1997"]
["Bedingungen",null,"AL-AHB 2008 ","AL-AHB 2008","AL-AHB 2008 ","AL-AHB 2008 ","AL-AHB 2004","AL-AHB 2003","AL-AHB  07-2001","AL-AHB  07-2000","AL-AHB 07-1997","AL-AHB 01-1995"]
["Vertragsbestandteil",null,"S 97.5, S 97.7","S 97.5, S 97.7","S 74.9 , S 97.4","S 74.8 , S 74.7","S 74.6","S 74.5","S 74.4","S 74.3","S 74.2","S 74.1"]
["Deklaration",null,"comfort","classic","Tierhalter-Haftpflicht Pferd","Tierhalter-Haftpflicht Pferd","Tierhalter-Haftpflicht Pferd","Tierhalter-Haftpflicht Pferd","Tierhalter-Haftpflicht Pferd","Tierhalter-Haftpflicht Pferd","Tierhalter-Haftpflicht Pferd","Tierhalter-Haftpflicht Pferd"]
[]
["Versicherungssummen pauschal für Personen-, Sach- und Vermögensschäden",null,"20 Mio EUR1","10 Mio EUR","5 Mio EUR / 8 Mio EUR","5 Mio EUR / 8 Mio EUR","2 Mio EUR / 3 Mio EUR","2 Mio EUR / 3 Mio EUR","2 Mio EUR / 3 Mio EUR","3 Mio DM / 5 Mio DM","3 Mio DM / 5 Mio DM","3 Mio DM / 5 Mio DM"]
["Vorsorgeversicherung in Höhe der Versicherungssumme",null,"●","●","●","●","●","●","●","●","●","●"]
["Versicherte Personen ",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Versicherungsnehmer als Halter/Mithalter",null,"●","●","●","●","●","●","●","●","●","●"]
["Mitversichert sind als Halter/Mithalter"]
["-         Ehepartner, Lebenspartner nach Lebenspartnerschaftsgesetz",null,"●","●","●","-","-","-","-","-","-","-"]
["-         Lebensgefährten des Versicherungsnehmers in häuslicher Gemeinschaft",null,"●","●","●","-","-","-","-","-","-","-"]
["-         Familienangehörige in häuslicher Gemeinschaft",null,"●","●","-","-","-","-","-","-","-","-"]
["-         Sonstige Personen in häuslicher Gemeinschaft",null,"●","-","-","-","-","-","-","-","-","-"]
["-      minderjährige unverheiratete Kinder",null,"-","-","●","-","-","-","-","-","-","-"]
["-      volljährige unverheiratete Kinder in Schul- oder unmittelbar anschließender Erstausbildung,",null,"-","-"," ● ","-","-","-","-","-","-","-"]
["-      volljährige unverheiratete Kinder während freiwilligem zusätzlichen Wehrdienst, vor, während oder \n       im Anschluss an die Berufsausbildung (berufliche Erstausbildung)",null,"-","-","●","-","-","-","-","-","-","-"]
["Tierhüter, soweit nicht gewerbsmäßig tätig bzw. Fremdreiter (berechtigte Reiter), Reitbeteiligte ",null,"●","●","-","-","-","-","-","-","-","-"]
["Tierhüter, sofern nicht gewerbsmäßig tätig ",null,"●\n aber nicht erwähnt","●\n aber nicht erwähnt","●","●","●","●","●","●","●","●"]
["Reitbeteiligungen",null,"-","-","●","-","-","-","-","-","-","-"]
["Ansprüche der fremden Tierhüter bzw. der Fremdreiter/Reitbeteiligte gegen den Versicherungsnehmer",null,"●","●","-","-","-","-","-","-","-","-"]
["Haftpflichtansprüche des fremden Tierhüters gegen den Versicherungsnehmer",null,"●\n aber nicht erwähnt","●\n aber nicht erwähnt","●","●","●","●","●","●","●","●"]
["Regressansprüche von Sozialversicherungsträgern, Sozialhilfeträgern; Arbeitgebern, privaten Versicherern",null,"●","●","-","-","-","-","-","-","-","-"]
["Nachversicherungsschutz bei Tod des Versicherungsnehmers",null,"●","●","●","-","-","-","-","-","-","-"]
["Versicherte Eigenschaften und Tätigkeiten",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Für Tiere nach Tarif für Gnadenbrotpferde ** ist der Versicherungsschutz eingeschränkt",null,"ohne Beritt","ohne Beritt","-","-","-","-","-","-","-","-"]
["Reiten ohne Sattel und Zaumzeug",null,"●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Reiten fremder Pferde, subsidiär",null,"●","●","-","-","-","-","-","-","-","-"]
["Unentgeltliche, kurzfrostige Überlassung des Pferdes an Dritte zu privaten Zwecken, nicht zu Vereinszwecken\noder zu Veranstaltungen , zu Unterrichts- oder therapeutischen Zwecken",null,"●","●","-","-","-","-","-","-","-","-"]
["Unentgeltliche Überlassung/Leihe des Pferdes an Dritte",null,"-","-","\n●\n","-","-","-","-","-","-","-"]
["Eigene Nutzung zu therapeutischen Zwecken (auch ehrenamtlich)",null,"●","●","-","-","-","-","-","-","-","-"]
["Ausübung von Pferdesport, nicht Teilnahme an Rennen und Vielseitigkeitsreiten (Militäry) und die Vorbereitung dazu (Training)",null,"●","●","-","-","-","-","-","-","-","-"]
["Teilnahme an Rennen",null,"wenn vereinbart","wenn vereinbart","wenn vereinbart","wenn vereinbart","wenn vereinbart","wenn vereinbart","wenn vereinbart","wenn vereinbart","● \nausgenommen Schäden von Personen und Pferden","● \nausgenommen Schäden von Personen und Pferden"]
["Teilnahme an Reitunterricht, Ausbildungslehrgängen und Prüfungen, Veranstaltungen wie Turniere etc.",null,"●","●","-","-","-","-","-","-","-","-"]
["Teilnahme an Pferdeschauen und Reitturnieren einschließlich der Vorbereitung hierzu (Training)",null,"●\n aber nicht erwähnt","●\n aber nicht erwähnt","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Verwendung der versicherten Tiere als Zugtiere bei privaten Fahrten sowie Besitz und Gebrauch von eigenen und fremden Tierfuhrwerken (z.B. Schlitten, Sulkys, Kutschen) inkl. gelegentlicher unentgeltlicher Beförderung von Gästen",null,"●","●","-","-","-","-","-","-","-","-"]
["Verwendung der versicherten Tiere als Zugtiere bei privaten Fahrten mit der eigenen Kutsche (Sulky ist keine Kutsche) oder dem eigenen Schlitten.",null,"-","-","●","-","-","-","-","-","-","-"]
["Besitz und Gebrauch von eigenen oder fremden Tiertransportanhängern zu privaten Zwecken, soweit sie nicht versicherungspflichtig sind",null,"●","●","-","-","-","-","-","-","-","-"]
["Ungewollter und gewollter Deckakt",null,"●","●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt","●\n aber nicht erwähnt"]
["Flurschäden und tierische Ausscheidungen",null,"●","●","-","-","-","-","-","-","-","-"]
["Flurschäden",null,"●\n aber nicht erwähnt","●\n aber nicht erwähnt","●","●","Pferde gelten nicht als Weidevieh","Pferde gelten nicht als Weidevieh","Pferde gelten nicht als Weidevieh","Pferde gelten nicht als Weidevieh","Pferde gelten nicht als Weidevieh","Pferde gelten nicht als Weidevieh"]
["Haltung von Fohlen der versicherten Stute",null,"bis 12 Monate nach Geburt","bis 12 Monate nach Geburt","ab Geburt \nbis 12 Monate","ab Geburt \nbis 3 Monate\n(ab S 74.8)","-","-","-","-","-","-"]
["Mietsachschäden an",null,"Platzhalter","Platzhalter","Platzhalter"]
["·       zu privaten Zwecken gemieteten Immobilien und Räumen in Gebäuden wie z.B. Stallungen, Boxen, \n      Rethallen, Koppeln, Weiden, Paddocks, Führ- und Longieranlagen, Luafbahnen oder Pferdesolarien",null,"●\n SB 250 EUR","●\n SB 250 EUR","-","-","-","-","-","-","-","-"]
["·       zu privaten Zwecken gemieteten Räumen in Gebäuden (Stallungen und Boxen) sowie dem \n      dazugehörigem Gemeinschaftseigentum",null,"-","-","●\nSB 20 %, mind. 250 EUR","-","-","-","-","-","-","-"]
["·       an gelegentlich zu privaten Zwecken gemieteten, gepachteten oder genutzten Reithallen, Koppeln \n      oder Weiden",null,"-","-","bis 5.000 EUR\nSB 20 %, mind. 250 EUR","-","-","-","-","-","-","-"]
["·       fremden, gemieteten oder geliehenen Transportanhänger",null,"10.000 EUR SB 250 EUR","5.000 EUR SB 250 EUR","-","-","-","-","-","-","-","-"]
["·       sonstigen gemieteten oder geliehenen Sachen (z.B. Reitutensilien) einschl. Abhandenkommen dieser Sachen",null,"10.000 EUR SB 100 EUR","5.000 EUR SB 100 EUR","-","-","-","-","-","-","-","-"]
["Erweiterungen des Versicherungsschutzes ",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Sachschäden durch allmähliche Einwirkung von Temperatur, Gasen, Dämpfen und Feuchtigkeit",null,"●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","-","-","-","-","-","-"]
["Sachschäden durch Abwässer aus dem Rückstau des Straßenkanals",null,"●","●","●\n aber nicht erwähnt","●\n aber nicht erwähnt","-","-","-","-","-","-"]
["Schadenersatz zum Neuwert auf Wunsch des VN",null,"bis 1.000 EUR","-","-","-","-","-","-","-","-","-"]
["Umweltschadensversicherung (Ökoschutzversicherung) ",null,"bis 3 Mio EUR²","bis 3 Mio  EUR²","bis 3 Mio EUR²","-","-","-","-","-","-","-"]
["Gewässerschaden-Restrisiko",null,"●","●","●","●","●","●","-","-","-","-"]
["Gewässerschäden aus Kleingebinden",null,"250 l/kg /1.000 l/kg","100 l/kg /500 l/kg","-","-","-","-","-","-","-","-"]
["Forderungsausfallversicherung (bis 2.000.000 EUR³ Versicherungssumme)",null,"ab 1.000 EUR\nSchadenhöhe inkl. RS4 und Gewaltopferschutz","ab 1.500 EUR\nSchadenhöhe  und Gewaltopferschutz","ab 2.500 EUR\nSchadenhöhe ohne Gewaltopferschutz","-","-","-","-","-","-","-"]
["Auslandsaufenthalt innerhalb Europas",null,"unbegrenzt","unbegrenzt","\n unbegrenzt","\n unbegrenzt","\n unbegrenzt","\n unbegrenzt","unbegrenzt in \nEU, Schweiz, Norwegen","unbegrenzt in \nEU, Schweiz, Norwegen","unbegrenzt in \nEU, Schweiz, Norwegen","unbegrenzt in \nEU, Schweiz, Norwegen"]
["Auslandsaufenthalt außerhalb Europas",null,"5 Jahre ","3 Jahre","5 Jahre ","3 Jahre"," 3 Jahre "," 3 Jahre ","2 Jahre in \nEU, Schweiz, Norwegen ","2 Jahre in \nEU, Schweiz, Norwegen ","1 Jahr","1 Jahr"]
["Voraussetzung ist: Bankverbindung und Wohnsitz in Deutschland",null,"Ja ","Ja ","Ja ","Ja ","Ja ","Ja ","Ja ","Ja ","Ja ","Ja "]
["Verbesserte Auslandsdeckung bei gleichzeitigem Bestehen einer Privathaftpflichtversicherung",null,"●","●","-","-","-","-","-","-","-","-"]
["Kautionsleistung bei Schäden innerhalb Europas",null,"100.000 EUR","50.000 EUR","30.000 EUR","3 %o der Vsumme","25.000 €","25.000 €","EU, Schweiz, Norwegen \n25.000 €","EU, Schweiz, Norwegen \n50.000 DM","EU, Schweiz, Norwegen \n50.000 DM","EU, Schweiz, Norwegen \n50.000 DM"]
["Sonstiges",null,"Platzhalter","Platzhalter"]
["Prämienfreistellung (bis zu einem Jahr bei Arbeitslosigkeit)",null,"●","-","-","-","-","-","-","-","-","-"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse",null,"●","●","-","-","-","-","-","-","-","-"]
["Leistungsgarantie gegenüber den Musterbedingungen/Tarifstruktur III des GDV",null,"●","●","-","-","-","-","-","-","-","-"]
["Innovationsklausel/Künftige Bedingungsverbesserungen ",null,"●","●","-","-","-","-","-","-","-","-"]
[null,null,"** Gnadenbrotpferde: Als Gnadenbrotpferde gelten Tiere, die aufgrund Alters oder Erkrankung nicht beritten werden. Nicht versichert sind Haftpflichtansprüche die in ursächlichem Zusammenhang stehen mit dem Reiten oder Verwendung als Zugtier","** Gnadenbrotpferde: Als Gnadenbrotpferde gelten Tiere, die aufgrund Alters oder Erkrankung nicht beritten werden. Nicht versichert sind Haftpflichtansprüche die in ursächlichem Zusammenhang stehen mit dem Reiten oder Verwendung als Zugtier","Platzhalter","-","-","-","-","-","-","-"]
[null,null,"1 höchstens 15 Mio EUR je geschädigte Person\n2 innerhalb der Versicheurngssumme\n3 für Personen- und Sachschäden inner der Versicherungssumme\n4 bis 150.000 EUR je Rechtsschutzfall","2 innerhalb der Versicheurngssumme\n3 für Personen- und Sachschäden inner der Versicherungssumme","2 innerhalb der Versicheurngssumme\n3 für Personen- und Sachschäden inner der Versicherungssumme","-","-","-","-","-","-","-"]
[]
["ALTE LEIPZIGER – HALLESCHE Konzern"]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · service@alte-leipziger.de · Telefon 06171 66-00 · Telefax 06171 66-2443"]

{"sheet":"Ergebnis THV-Pferd","index":8,"n_rows":79,"n_cols":1,"rows_kept":79,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Private Tierhalterhaftplichtversicherung - Pferde"]
[]
["Vergleich von Tarifen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes geht ausschließlich aus den vereinbarten Versicherungsbedingungen hervor."]
[]
["Tarif"]
["Bedingungen"]
["Vertragsbestandteil"]
["Deklaration"]
[]
["Versicherungssummen pauschal für Personen-, Sach- und Vermögensschäden"]
["Vorsorgeversicherung in Höhe der Versicherungssumme"]
["Versicherte Personen "]
["Versicherungsnehmer als Halter/Mithalter"]
["Mitversichert sind als Halter/Mithalter"]
["-         Ehepartner, Lebenspartner nach Lebenspartnerschaftsgesetz"]
["-         Lebensgefährten des Versicherungsnehmers in häuslicher Gemeinschaft"]
["-         Familienangehörige in häuslicher Gemeinschaft"]
["-         Sonstige Personen in häuslicher Gemeinschaft"]
["-      minderjährige unverheiratete Kinder"]
["-      volljährige unverheiratete Kinder in Schul- oder unmittelbar anschließender Erstausbildung,"]
["-      volljährige unverheiratete Kinder während freiwilligem zusätzlichen Wehrdienst, vor, während oder \n       im Anschluss an die Berufsausbildung (berufliche Erstausbildung)"]
["Tierhüter, soweit nicht gewerbsmäßig tätig bzw. Fremdreiter (berechtigte Reiter), Reitbeteiligte "]
["Tierhüter, sofern nicht gewerbsmäßig tätig "]
["Reitbeteiligungen"]
["Ansprüche der fremden Tierhüter bzw. der Fremdreiter/Reitbeteiligte gegen den Versicherungsnehmer"]
["Haftpflichtansprüche des fremden Tierhüters gegen den Versicherungsnehmer"]
["Regressansprüche von Sozialversicherungsträgern, Sozialhilfeträgern; Arbeitgebern, privaten Versicherern"]
["Nachversicherungsschutz bei Tod des Versicherungsnehmers"]
["Versicherte Eigenschaften und Tätigkeiten"]
["Für Tiere nach Tarif für Gnadenbrotpferde ** ist der Versicherungsschutz eingeschränkt"]
["Reiten ohne Sattel und Zaumzeug"]
["Reiten fremder Pferde, subsidiär"]
["Unentgeltliche, kurzfrostige Überlassung des Pferdes an Dritte zu privaten Zwecken, nicht zu Vereinszwecken\noder zu Veranstaltungen , zu Unterrichts- oder therapeutischen Zwecken"]
["Unentgeltliche Überlassung/Leihe des Pferdes an Dritte"]
["Eigene Nutzung zu therapeutischen Zwecken (auch ehrenamtlich)"]
["Ausübung von Pferdesport, nicht Teilnahme an Rennen und Vielseitigkeitsreiten (Militäry) und die Vorbereitung dazu (Training)"]
["Teilnahme an Rennen"]
["Teilnahme an Reitunterricht, Ausbildungslehrgängen und Prüfungen, Veranstaltungen wie Turniere etc."]
["Teilnahme an Pferdeschauen und Reitturnieren einschließlich der Vorbereitung hierzu (Training)"]
["Verwendung der versicherten Tiere als Zugtiere bei privaten Fahrten sowie Besitz und Gebrauch von eigenen und fremden Tierfuhrwerken (z.B. Schlitten, Sulkys, Kutschen) inkl. gelegentlicher unentgeltlicher Beförderung von Gästen"]
["Verwendung der versicherten Tiere als Zugtiere bei privaten Fahrten mit der eigenen Kutsche (Sulky ist keine Kutsche) oder dem eigenen Schlitten."]
["Besitz und Gebrauch von eigenen oder fremden Tiertransportanhängern zu privaten Zwecken, soweit sie nicht versicherungspflichtig sind"]
["Ungewollter und gewollter Deckakt"]
["Flurschäden und tierische Ausscheidungen"]
["Flurschäden"]
["Haltung von Fohlen der versicherten Stute"]
["Mietsachschäden an"]
["·       zu privaten Zwecken gemieteten Immobilien und Räumen in Gebäuden wie z.B. Stallungen, Boxen, \n      Rethallen, Koppeln, Weiden, Paddocks, Führ- und Longieranlagen, Luafbahnen oder Pferdesolarien"]
["·       zu privaten Zwecken gemieteten Räumen in Gebäuden (Stallungen und Boxen) sowie dem \n      dazugehörigem Gemeinschaftseigentum"]
["·       an gelegentlich zu privaten Zwecken gemieteten, gepachteten oder genutzten Reithallen, Koppeln \n      oder Weiden"]
["·       fremden, gemieteten oder geliehenen Transportanhänger"]
["·       sonstigen gemieteten oder geliehenen Sachen (z.B. Reitutensilien) einschl. Abhandenkommen dieser Sachen"]
["Erweiterungen des Versicherungsschutzes "]
["Sachschäden durch allmähliche Einwirkung von Temperatur, Gasen, Dämpfen und Feuchtigkeit"]
["Sachschäden durch Abwässer aus dem Rückstau des Straßenkanals"]
["Schadenersatz zum Neuwert auf Wunsch des VN"]
["Umweltschadensversicherung (Ökoschutzversicherung) "]
["Gewässerschaden-Restrisiko"]
["Gewässerschäden aus Kleingebinden"]
["Forderungsausfallversicherung (bis 2.000.000 EUR³ Versicherungssumme)"]
["Auslandsaufenthalt innerhalb Europas"]
["Auslandsaufenthalt außerhalb Europas"]
["Voraussetzung ist: Bankverbindung und Wohnsitz in Deutschland"]
["Verbesserte Auslandsdeckung bei gleichzeitigem Bestehen einer Privathaftpflichtversicherung"]
["Kautionsleistung bei Schäden innerhalb Europas"]
["Sonstiges"]
["Prämienfreistellung (bis zu einem Jahr bei Arbeitslosigkeit)"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse"]
["Leistungsgarantie gegenüber den Musterbedingungen/Tarifstruktur III des GDV"]
["Innovationsklausel/Künftige Bedingungsverbesserungen "]
[]
[]
[]
["ALTE LEIPZIGER – HALLESCHE Konzern"]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · service@alte-leipziger.de · Telefon 06171 66-00 · Telefax 06171 66-2443"]

{"sheet":"Tapete VHV","index":9,"n_rows":132,"n_cols":59,"rows_kept":132,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Hausratversicherung Tarifvergleich "]
[]
["Vergleich der Tarifvarianten compact, classic und comfort mit früheren Tarifständen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes ergibt sich aus dem Versicherungsschein und den Wortlaut der vereinbarten Bedingungen."]
[]
["Tarif",null,"05.2020","05.2020","05.2020","04.2019","04.2019","04.2019","01.2018","01.2018","01.2018","10.2016","10.2016","10.2016","07.2015","07.2015","07.2015","10.2014","10.2014","10.2014","07.2014","07.2014","07.2014","01.2013","01.2013","01.2011","01.2011","04.2010","04.2010","01.2010","01.2010","01.2009","01.2009","01.2008","01.2008","07.2007","01.2007","01.2007","01.2006","01.2006","07.2005","07.2005","10.2003","10.2003","01.2002","07.1998","01.1997","01.1995","01.1994","09.1993","01.1993","07.1992","07.1991","07.1987","07.1985","07.1983","07.1982","07.1979","07.1977"]
["Bedingungen",null,"AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2010","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2008","AL-VHB 2003","AL-VHB 2003","AL-VHB 2003","AL-VHB 2003","AL-VHB 2003","AL-VHB 2003","AL-VHB 2003","AL-VHB 2003","AL-VHB 2003","VHB 92","VHB 92","VHB 92","VHB 92","VHB 92","VHB 92","VHB 84","VHB 84","VHB 84","VHB 84","VHB 84","VHB 74","VHB 74","VHB 74","VHB 74"]
["Vertragsbestandteil",null,"S 10.9","S 10.9","S 10.9","S 10.8","S 10.8","S 10.8","S 10.7","S 10.7","S 10.7","S 10.7","S 10.7","S 10.7","S 10.7","S 10.7","S 10.7","S 10.6","S 10.6","S 10.6","S 10.5","S 10.5","S 10.5","S 10.4","S 10.4","S 10.3","S 10.3","S 10.2","S 10.2","71.8","71.8","71.8","71.8","71.7","71.7","S 51.4","71.6","71.6","71.9","71.9","71.5","71.5","71.4","71.4","71.3","71.2","71.1","S 51.3","S 51.2","S 51.1","S 50.9","S 50.8","S 50.7","S 50.6","S 50.5","S 50.4","S 50.3","S 50.2","S 50.1"]
["Deklaration",null,"compact","classic","comfort","compact","classic","comfort","compact","classic","comfort","compact","classic","comfort","compact","classic","comfort","compact","classic","comfort","compact","classic","comfort","XL","XXL","XL","XXL","XL","XXL","XL","XXL","XL","XXL","XL","XXL","TopAL","XL","XXL","XL","XXL","XL","XXL","XL","XXL"]
[]
["Anprall/ Absturz unbemannter Flugkörper",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","-","-","-","-","-","-"]
["Anprall von fremden Kraft-, Schienen- oder Wasserfahrzeugen",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","10 % (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","l (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","-","10 % (ausgenommen Wasserfahrzeuge)","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Aufbrechen eines Behältnisses außerhalb eines Gebäudes (z. B. Schließfächer und Spinde)",null,"-","250 EUR","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Berufsbedingter Zweitwohnsitz\n§ Wertsachen bis",null,"-","10 %, max. 10.000 EUR;\n3.000 EUR","20 %, max. 20.000 EUR;\n3.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Beschädigung und Verlust von aufgegebenem Reisegepäck",null,"-","250 EUR","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Best-Leistungs-Garantie",null,"-","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Bewachungskosten",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","500 EUR,\nmax. 48 Stunden","l,\nmax. 96 Stunden","500 EUR,\nmax. 48 Stunden","l,\nmax. 96 Stunden","500 EUR,\nmax. 48 Stunden","l,\nmax. 96 Stunden","500 EUR,\nmax. 48 Studen","2.500 EUR,\nmax. 48 Stunden","500 EUR,\nmax. 48 Studen","2.500 EUR,\nmax. 48 Stunden","500 EUR,\nmax. 48 Studen","2.500 EUR,\nmax. 48 Stunden","l,\nmax. 48 Stunden","-","2.500 EUR,\nmax. 48 Stunden","-","2.500 EUR,\nmax. 48 Stunden","-","2.500 EUR,\nmax. 48 Stunden","-","2.500 EUR,\nmax. 48 Stunden","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Blindgängerschäden",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Böswillige Beschädigung (durch nicht im Haushalt lebende Personen)",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Bruchschäden an Armaturen",null,"-","250 EUR","500 EUR","-","250 EUR","500 EUR","-","250 EUR","500 EUR","-","250 EUR","500 EUR","-","250 EUR","500 EUR","-","250 EUR","500 EUR","-","250 EUR","500 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Datenrettungskosten in der Privatversicherung",null,"-","1.000 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Dauerhafte Außenversicherung für Sportgeräte",null,"-","3.000 EUR","10.000 EUR","-","-","3.000 EUR","-","-","3.000 EUR","-","-","3.000 EUR","-","-","3.000 EUR","-","-","3.000 EUR","-","-","3.000 EUR","-","2.500 EUR","-","2.500 EUR","-","2.500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Diebstahl am Arbeitsplatz",null,"-","-","1.000 EUR\n(ohne Wertsachen)","-","-","1.000 EUR\n(ohne Wertsachen)","-","-","1.000 EUR\n(ohne Wertsachen)","-","-","1.000 EUR\n(ohne Wertsachen)","-","-","1.000 EUR\n(ohne Wertsachen)","-","-","1.000 EUR\n(ohne Wertsachen)","-","-","1.000 EUR\n(ohne Wertsachen)","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Diebstahl auf dem eingefriedeten Versicherungsgrundstück bzw. aus dem Treppenhaus von\n§ Gartenmöbeln und Gartengeräten, Wäschespinnen und Skulpturen\n§ Wäsche und Bekleidung – ohne Pelz- und Lederwaren – zum Trockenen oder Lüften\n§ Kinderwagen\n§ Teich- und Poolzubehör sowie Grills\n§ Spielfahrzeugen, Kinderspiel- und Sportgeräten",null,"\n1.000 EUR\n1.000 EUR\n-\n1.000 EUR\n1.000 EUR","\n2.500 EUR\n2.500 EUR\nl (auch außerhalb)\n2.500 EUR\n2.500 EUR","\n5.000 EUR\nl\nl (auch außerhalb)\n5.000 EUR\nl","\n-\n-\n-\n-\n-","\n1.000 EUR\n750 EUR\n1.500 EUR\n-\n-","\n2.000 EUR\n1.500 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n750 EUR\n1.500 EUR\n-\n-","\n2.000 EUR\n1.500 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n750 EUR\n1.500 EUR\n-\n-","\n2.000 EUR\n1.500 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n750 EUR\n1.500 EUR\n-\n-","\n2.000 EUR\n1.500 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n750 EUR\n1.500 EUR\n-\n-","\n2.000 EUR\n1.500 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n750 EUR\n1.500 EUR\n-\n-","\n2.000 EUR\n1.500 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n2.000 EUR\n1.000 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n2.000 EUR\n1.000 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n2.000 EUR\n1.000 EUR\n3.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n1.000 EUR\n1.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n1.000 EUR\n1.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n1.000 EUR\n1.000 EUR\n-\n-","\n2.000 EUR\n2.000 EUR\n3 %\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n1.000 EUR\n1.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n1.000 EUR\n1.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n1.000 EUR\n1.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n1.000 EUR\n1.000 EUR\n1.000 EUR\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-","\n-\n-\n-\n-\n-"]
["Diebstahl aus dem Krankenzimmer \n§ Bargeld bis",null,"-\n-","1.500 EUR; \n150 EUR","3.000 EUR; \n300 EUR","-\n-","500 EUR; \n150 EUR","1.000 EUR; \n300 EUR","-\n-","500 EUR; \n150 EUR","1.000 EUR; \n300 EUR","-\n-","500 EUR; \n150 EUR","1.000 EUR; \n300 EUR","-\n-","500 EUR; \n150 EUR","1.000 EUR; \n300 EUR","-\n-","500 EUR; \n150 EUR","1.000 EUR; \n300 EUR","-\n-","500 EUR; \n150 EUR","1.000 EUR; \n300 EUR","150 EUR; \n50 EUR","1.000 EUR;\n150 EUR","150 EUR; \n50 EUR","1.000 EUR;\n150 EUR","150 EUR; \n50 EUR","1.000 EUR;\n150 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","150 EUR; \n50 EUR","300 DM;\n100 DM","300 DM;\n100 DM","-\n-","-\n-","-\n-","-","-","-","-","-","-","-","-","-"]
["Diebstahl von Rollstühlen und fahrbaren Gehhilfen",null,"-","l","l","-","1.000 EUR","2.000 EUR","-","1.000 EUR","2.000 EUR","-","1.000 EUR","2.000 EUR","-","1.000 EUR","2.000 EUR","-","1.000 EUR","2.000 EUR","-","1.000 EUR","2.000 EUR","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","500 EUR","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Diebstahl von Waschmaschinen und Wäschetrocknern aus Gemeinschaftsräumen",null,"-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","500 EUR","-","500 EUR","-","-","2 %","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Einbruchdiebstahl aus Schiffskabinen\n§ Wertsachen und elektronische Geräte bis",null,"-\n-","2 % \n500 EUR","10%\n1.000 EUR","-\n-","1% \n500 EUR","10%\n1.000 EUR","-\n-","1% \n500 EUR","10%\n1.000 EUR","-\n-","1% \n500 EUR","10%\n1.000 EUR","-\n-","1% \n500 EUR","10%\n1.000 EUR","-\n-","1% \n500 EUR","10%\n1.000 EUR","-\n-","1% \n500 EUR","10%\n1.000 EUR","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-","-","-","-","-","-","-","-","-"]
["Einbruchdiebstahl aus Schlafwagenabteilen\n§ Wertsachen und elektronische Geräte bis",null,"-\n-","2 %\n500 EUR","10 %\n500 EUR","-\n-","1 %\n500 EUR","2 %\n500 EUR","-\n-","1 %\n500 EUR","2 %\n500 EUR","-\n-","1 %\n500 EUR","2 %\n500 EUR","-\n-","1 %\n500 EUR","2 %\n500 EUR","-\n-","1 %\n500 EUR","2 %\n500 EUR","-\n-","1 %\n500 EUR","2 %\n500 EUR","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-\n-","-","-","-","-","-","-","-","-","-"]
["Einbruchdiebstahl aus verschlossenen Kraftfahrzeugen innerhalb der EU- und EFTA¹-Staaten \n§ tagsüber zwischen 6 Uhr und 22 Uhr oder\n§ Fahrtunterbrechung von weniger als zwei Stunden",null,"-","2 %\n(zwischen 0 Uhr und 24 Uhr)","2 %\n(zwischen 0 Uhr und 24 Uhr)","-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1 %","2 %","-","1 %,\nmax. 1.000 EUR","-","1 %,\nmax. 1.000 EUR","-","1 %,\nmax. 1.000 EUR","-","500 EUR","-","500 EUR","-","500 EUR","2.000 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Einbruchdiebstahl und Raub durch Hausangestellte",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","1.000 DM je ausführende Person","1.000 DM je ausführende Person","1.000 DM je ausführende Person","1.000 DM je ausführende Person"]
["Einbruchdiebstahl über nicht versicherte Räume",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l"]
["Eingelagerter Hausrat in einer Self Storage Anlage",null,"-","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Einhaltung der Mindeststandards des Arbeitskreises Beratungsprozesse",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Entschädigungsgrenze für die Außenversicherung",null,"10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","30 %, \nmax. 30.000 EUR\nfür 6 Monate,\nweltweit","50 %,\nmax. 50.000 EUR\nfür 12 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %, \nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","30 %,\nmax. 30.000 EUR\nfür 6 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %, \nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","30 %,\nmax. 30.000 EUR\nfür 6 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %, \nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","30 %,\nmax. 30.000 EUR\nfür 6 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %, \nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","30 %,\nmax. 30.000 EUR\nfür 6 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %, \nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","30 %,\nmax. 30.000 EUR\nfür 6 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %, \nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","30 %,\nmax. 30.000 EUR\nfür 6 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","10 %,\nmax. 10.000 EUR\nfür 3 Monate,\nweltweit","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","-","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","-","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","20 %,\nmax. 10.000 EUR\nfür 6 Monate,\nweltweit","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit ","20 %,\nmax. 30.000 EUR\nfür 6 Monate,\nweltweit ","20 %,\nmax. 10.000 EUR\nfür 6 Monate,\nweltweit","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit ","20 %,\nmax. 10.000 EUR\nfür 6 Monate,\nweltweit ","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit","20 %,\nmax. 10.000 EUR\nfür 6 Monate,\nweltweit ","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit ","20 %,\nmax. 10.000 EUR\nfür 6 Monate,\nweltweit","20 %,\nmax. 20.000 EUR\nfür 6 Monate,\nweltweit ","20 %,\nmax. 10.000 EUR\nfür 6 Monate,\nweltweit","20 %,\nmax. 20.000 DM\nfür 6 Monate,\nweltweit","20 %,\nmax. 20.000 DM\nfür 6 Monate,\nweltweit","10 %,\nmax. 20.000 DM\nfür 3 Monate,\nweltweit","10 %,\nmax. 20.000 DM\nfür 3 Monate,\nweltweit","10 %,\nmax. 20.000 DM\nfür 3 Monate,\nweltweit","10 %,\nmax. 15.000 DM\nfür 3 Monate,\neuropaweit","10 %,\nmax. 15.000 DM\nfür 3 Monate,\neuropaweit","10 %,\nmax. 15.000 DM\nfür 3 Monate,\neuropaweit","10 %,\nmax. 15.000 DM\nfür 3 Monate,\neuropaweit","10 %,\nmax. 15.000 DM\nfür 3 Monate,\neuropaweit","10 %,\nmax. 10.000 DM\nvorübergehend außerh. der Wohnung,\neuropaweit","10 %,\nmax. 10.000 DM\nvorübergehend außerh. der Wohnung,\neuropaweit","10 %,\nmax. 10.000 DM\nvorübergehend außerh. der Wohnung,\neuropaweit","10 %,\nmax. 10.000 DM\nvorübergehend außerh. der Wohnung,\neuropaweit"]
["Entschädigungsgrenze für die Vorsorgeversicherung",null,"10 %","15 %","20 %","10 %","15 %","20 %","10 %","15 %","20 %","10 %","15 %","20 %","10 %","15 %","20 %","10 %","15 %","20 %","10 %","15 %","20 %","10 %","20 %","10 %","20 %","10 %","20 %","-","-","-","20 %","20 %","20 %","20 %","20 %","20 %","20 %","20 %","20 %","20 %","20 %","20 %","20 %","20 %","20 %","10 %","10 %","10 %","10 %","10 %","10 %","10 %","10 %","-","-","-","-"]
["Erweiterte Außenversicherung für Kinder während der Ausbildung/ dem Studium – \nauch nach Gründung eines eigenen Hausstandes",null,"-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Fahrraddiebstahlschäden",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","1.000 EUR (ohne Nachtzeitklausel)","-","1.000 EUR (ohne Nachtzeitklausel)","-","1.000 EUR (ohne Nachtzeitklausel)","-","1.000 EUR (ohne Nachtzeitklausel)","-","1.000 EUR (ohne Nachtzeitklausel)","-","500 EUR (ohne Nachtzeitklausel)","2 % (ohne Nachtzeitklausel)","-","500 EUR (inkl. Nachtzeitklausel)","-","500 EUR (inkl. Nachtzeitklausel)","-","500 EUR (inkl. Nachtzeitklausel)","-","500 EUR (inkl. Nachtzeitklausel)","-","-","-","-","-","-","-","-","-","-","-","500 DM (inkl. Nachtzeitklausel)","500 DM (inkl. Nachtzeitklausel)","500 DM (inkl. Nachtzeitklausel)","500 DM (inkl. Nachtzeitklausel)"]
["Feuer-Nutzwärmeschäden",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-"]
["Garagen in der Nähe des Versicherungsortes",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-"]
["Garagen nicht in der Nähe des Versicherungsortes, innerhalb der BRD",null,"-","-","1 %,\nmax. 2.500 EUR","-","-","1 %,\nmax. 2.500 EUR","-","-","1 %,\nmax. 2.500 EUR","-","-","1 %,\nmax. 2.500 EUR","-","-","1 %,\nmax. 2.500 EUR","-","-","1 %,\nmax. 2.500 EUR","-","-","1 %,\nmax. 2.500 EUR","-","1 %","-","1 %","-","1 %","-","1 %","-","1 %","-","-","1 %","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Gebäudebestandteile, für die der VN als Mieter die Gefahr trägt",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","versichert sind nur Badewannen, Badeöfen, Waschbecken und sonstige wasserführende Installationen","versichert sind nur Badewannen, Badeöfen, Waschbecken und sonstige wasserführende Installationen","versichert sind nur Badewannen, Badeöfen, Waschbecken und sonstige wasserführende Installationen","versichert sind nur Badewannen, Badeöfen, Waschbecken und sonstige wasserführende Installationen"]
["Gebäudebestandteile, für die der VN als Eigentümer die Gefahr trägt",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","20 %","-","20 %","-","20 %","-","20 %","-","20 %","-",null,null,"-","-","-","-","-","-","-","-","-","-","-","-"]
["Gebäude- und Mobiliarverglasungen",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","l","l","l","l"]
["Genereller Unterversicherungsverzicht",null,"1.000 EUR","3.000 EUR","5.000 EUR","1.000 EUR","3.000 EUR","5.000 EUR","1.000 EUR","3.000 EUR","5.000 EUR","1.000 EUR","3.000 EUR","5.000 EUR","1.000 EUR","3.000 EUR","5.000 EUR","1.000 EUR","3.000 EUR","5.000 EUR","1.000 EUR","3.000 EUR","5.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Grobe Fahrlässigkeit (Herbeiführung des Versicherungsfalls)",null,"-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","-","bis 1.000 EUR,\ndarüber 50 % des Schadens,\nmax. 50.000 EUR","-","bis 1.000 EUR,\ndarüber 50 % des Schadens,\nmax. 50.000 EUR","-","bis 1.000 EUR,\ndarüber 50 % des Schadens,\nmax. 10.000 EUR","-","bis 1.000 EUR,\ndarüber 50 % des Schadens,\nmax. 10.000 EUR","-","bis 1.000 EUR,\ndarüber 50 % des Schadens,\nmax. 10.000 EUR","bis 1.000 EUR (inkl. Verletzung von Sicherheitsvorschriften),\ndarüber 50 % des Schadens,\nmax. 10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Grobe Fahrlässigkeit bei Obliegenheitsverletzungen",null,"-","-","5.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Hagelschäden",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","evtl. aufgrund vertraglicher Vereinbarung versichert","evtl. aufgrund vertraglicher Vereinbarung versichert","evtl. aufgrund vertraglicher Vereinbarung versichert","evtl. aufgrund vertraglicher Vereinbarung versichert","evtl. aufgrund vertraglicher Vereinbarung versichert"]
["Handelswaren und Musterkollektionen",null,"-","3.000 EUR","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","-","10.000 EUR","-","10.000 EUR","-","10.000 EUR","-","10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Häusliches Arbeitszimmer – ausschließlich über versicherte Wohnung zu betreten",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","10.0000 EUR","5.000 EUR","10.000 EUR","5.000 EUR","10.000 EUR","5.000 EUR","10.000 EUR","5.000 EUR","10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Haustierbetreuung",null,"10 EUR pro Tag, max. 100 Tage","20 EUR pro Tag, max. 200 Tage","50 EUR pro Tag, max. 365 Tage","-","-","20 EUR pro Tag,\nmax. 1.000 EUR","-","-","20 EUR pro Tag,\nmax. 1.000 EUR","-","-","20 EUR pro Tag,\nmax. 1.000 EUR","-","-","20 EUR pro Tag,\nmax. 1.000 EUR","-","-","20 EUR pro Tag,\nmax. 1.000 EUR","-","-","20 EUR pro Tag,\nmax. 1.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Hotelkosten",null,"2 ‰ pro Tag,\nmax. 100 Tage","2 ‰ pro Tag,\nmax. 200 Tage","3 ‰ pro Tag,\nmax. 365 Tage","1 ‰ pro Tag,\nmax. 100 Tage","2 ‰ pro Tag,\nmax. 200 Tage","3 ‰ pro Tag,\nmax. 300 Tage","1 ‰ pro Tag,\nmax. 100 Tage","2 ‰ pro Tag,\nmax. 200 Tage","3 ‰ pro Tag,\nmax. 300 Tage","1 ‰ pro Tag,\nmax. 100 Tage","2 ‰ pro Tag,\nmax. 200 Tage","3 ‰ pro Tag,\nmax. 300 Tage","1 ‰ pro Tag,\nmax. 100 Tage","2 ‰ pro Tag,\nmax. 200 Tage","3 ‰ pro Tag,\nmax. 300 Tage","1 ‰ pro Tag,\nmax. 100 Tage","2 ‰ pro Tag,\nmax. 200 Tage","3 ‰ pro Tag,\nmax. 300 Tage","1 ‰ pro Tag,\nmax. 100 Tage","2 ‰ pro Tag,\nmax. 200 Tage","3 ‰ pro Tag,\nmax. 300 Tage","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","2 ‰ pro Tag,\nmax. 200 Tage, \ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","2 ‰ pro Tag,\nmax. 200 Tage, \ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","2 ‰ pro Tag,\nmax. 200 Tage, \ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 60 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 60 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 60 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 1 ‰ pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 60 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage, \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 60 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage, \n+ 60 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 60 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,  \n+ 30 EUR pro Tag, \nmax. 100 Tage,\ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,\n+ 50 DM pro Tag, \nmax. 100 Tage, \ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage,\n+ 50 DM pro Tag, \nmax. 100 Tage, \ninklusive Frühstück","1 ‰ pro Tag, max. 100 Tage","1 ‰ pro Tag, max. 100 Tage","1 ‰ pro Tag, max. 100 Tage","-","-","-","-","-","-","-","-","-"]
["Implosion",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","l (an elektr. Geräten)","-","l (an elektr. Geräten)","-","l (an elektr. Geräten)","-","l (an elektr. Geräten)","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Innere Unruhen",null,"l (inkl. Streik oder Aussperrung)","l (inkl. Streik oder Aussperrung)","l (inkl. Streik oder Aussperrung)","-","l (inkl. Streik oder Aussperrung)","l (inkl. Streik oder Aussperrung)","-","l (inkl. Streik oder Aussperrung)","l (inkl. Streik oder Aussperrung)","-","l (inkl. Streik oder Aussperrung)","l (inkl. Streik oder Aussperrung)","-","l (inkl. Streik oder Aussperrung)","l (inkl. Streik oder Aussperrung)","-","l (inkl. Streik oder Aussperrung)","l (inkl. Streik oder Aussperrung)","-","l (inkl. Streik oder Aussperrung)","l (inkl. Streik oder Aussperrung)","-","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","-","5.000 EUR (SB 250 EUR)","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Innovationsklausel/ Künftige Bedingungsverbesserungen",null,"-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Keine Gefahrenerhöhung bei \n§ Vorübergehendem Unbewohntsein bis zu \n§ Aufstellung eines Gerüstes",null,"\n60 Tage\nl","\n120 Tage\nl","\n180 Tage\nl","\n60 Tage\nl","\n90 Tage\nl","\n120 Tage\nl","\n60 Tage\nl","\n90 Tage\nl","\n120 Tage\nl","\n60 Tage\nl","\n90 Tage\nl","\n120 Tage\nl","\n60 Tage\nl","\n90 Tage\nl","\n120 Tage\nl","\n60 Tage\nl","\n90 Tage\nl","\n120 Tage\nl","\n60 Tage\nl","\n90 Tage\nl","\n120 Tage\nl","\n60 Tage\n6 Monate","\n90 Tage\n6 Monate","\n60 Tage\n6 Monate","\n90 Tage\n6 Monate","\n60 Tage \n6 Monate","\n90 Tage\n6 Monate","\n60 Tage\n6 Monate","\n90 Tage\n6 Monate","\n60 Tage\n6 Monate","\n90 Tage\n6 Monate","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-","\n60 Tage\n-"]
["Kosten der Ermittlung und Feststellung des Schadens",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","500 EUR","2.500 EUR","500 EUR","2.500 EUR","500 EUR","2.500 EUR","500 EUR","2.500 EUR","500 EUR","2.500 EUR","l","l","-","-","-","-",null,"-","-",null,null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kosten durch Fehlalarm eines Rauchmelders",null,"-","-","500 EUR","1.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kostenerstattung über die Versicherungssumme hinaus",null,"10 %","10 %","20 %","10 %","10 %","20 %","10 %","10 %","20 %","10 %","10 %","20 %","10 %","10 %","20 %","10 %","10 %","20 %","10 %","10 %","20 %","10 %","20 %","10 %","20 %","10 %","20 %","10 %","20 %","10 %","20 %","10 %","20 %","20 %","10 %","20 %","10 %","20 %","10 %","20 %","10 %","20 %","10 %","10 %","10 %","10 %","10 %","10 %","10 %","10 %","10 %","10 %","10 %","-","-","-","-"]
["Kosten für provisorische Maßnahmen (Notreparaturen) nach Einbruchdiebstahl",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","1.000 EUR","-","1.000 EUR","-","-","-","1.000 EUR","-","1.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kosten für provisorische Maßnahmen zum Schutz versicherter Sachen",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kostenübernahme für persönliche Auslagen",null,"-","-","50 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Kundenschließfächer bei Banken",null,"-","30 %","50 %","-","15 %","30 %","-","15 %","30 %","-","15 %","30 %","-","15 %","30 %","-","15 %","30 %","-","15 %","30 %","-","30 %, max. 30.000 EUR","-","30 %, max. 30.000 EUR","-","30 %, max. 30.000 EUR","-","10 %, max. 5.000 EUR","-","10 %, max. 5.000 EUR","-","10 %, max. 5.000 EUR","20 %, max. 30.000 EUR","-","10 %, max. 5.000 EUR","-","10 %, max. 5.000 EUR","-","10 %, max. 5.000 EUR","-","10 %, max. 5.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Leistungsgarantie gegenüber den GDV-Musterbedingungen",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Mehrkosten\n§ durch Preissteigerungen",null,"-","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ durch Technologiefortschritt",null,"-","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["§ für energetische Modernisierung von Haushaltsgeräten",null,"-","-","1.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Prämienbefreiung bei Arbeitslosigkeit",null,"-","12 Monate","12 Monate","-","-","12 Monate","-","-","12 Monate","-","-","12 Monate","-","-","12 Monate","-","-","12 Monate","-","-","12 Monate","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Räuberische Erpressung",null,"-","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Rauch- und Rußschäden",null,"-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","-","l","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Rückreisekosten aus dem Urlaub (ab einer Schadenhöhe von 5.000 EUR)",null,"1.000 EUR","3.000 EUR","5.000 EUR","-","2.500 EUR","5.000 EUR","-","2.500 EUR","5.000 EUR","-","2.500 EUR","5.000 EUR","-","2.500 EUR","5.000 EUR","-","2.500 EUR","5.000 EUR","-","2.500 EUR","5.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","10 %, ab einer Schadenhöhe von 10.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Sachen in vermieteten Einliegerwohnungen",null,"-","-","l \n(ohne Wertsachen)","-","-","l \n(ohne Wertsachen)","-","-","l \n(ohne Wertsachen)","-","-","l \n(ohne Wertsachen)","-","-","l \n(ohne Wertsachen)","-","-","l \n(ohne Wertsachen)","-","-","l \n(ohne Wertsachen)","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Sachverständigenkosten (ab einer Schadenhöhe von 25.000 EUR)",null,"-","80 %,\nmax. 5.000 EUR, ab einer Schadenhöhe von\n10.000 EUR","80 %, ab einer Schadenhöhe von\n10.000 EUR","-","80 %,\nmax. 5.000 EUR","80 %","-","80 %,\nmax. 5.000 EUR","80 %","-","80 %,\nmax. 5.000 EUR","80 %","-","80 %,\nmax. 5.000 EUR","80 %","-","80 %,\nmax. 5.000 EUR","80 %","-","80 %,\nmax. 5.000 EUR","80 %","-","6.000 EUR (ab 20.000 EUR Schaden)","-","6.000 EUR (ab 20.000 EUR Schaden)","-","6.000 EUR (ab 20.000 EUR Schaden)","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Schäden durch radioaktive Isotope",null,"-","-","l","-","-","l","-","-","l","-","-","l","-","-","l","-","-","l","-","-","l","-","l","-","l","-","l","-","l","-","l","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Schäden durch Rückstau",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10.000 EUR",null,null,null,null,null,null,null,null,null,null,null,"-","-","-","-","-","-","-","-","-","-","-","-"]
["Schäden durch Stromausfall (Netzausfall) an Tiefkühl-/ Gefriergut",null,"-","1.000 EUR","l","-","500 EUR","l","-","500 EUR","l","-","500 EUR","l","-","500 EUR","l","-","500 EUR","l","-","500 EUR","l","-","1 %, max. 1.000 EUR","-","1 %, max. 1.000 EUR","-","1 %, max. 1.000 EUR","-","250 EUR","-","250 EUR","-","-","2.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Schlossänderungskosten an Hauseingangstüren von Zwei- und Mehrfamilienhäusern",null,"1.000 EUR","2.000 EUR","3.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Seng- und Schmorschäden (Selbstbehalt 100 EUR)",null,"-","l (ohne SB)","l (ohne SB)","-","1.000 EUR","l (ohne SB)","-","1.000 EUR","l (ohne SB)","-","1.000 EUR","l (ohne SB)","-","1.000 EUR","l (ohne SB)","-","1.000 EUR","l","-","1.000 EUR","l","-","3 %","-","3 %","-","3 %","-","500 EUR","-","500 EUR","-","500 EUR","3 % (ohne SB)","-","500 EUR","-","500 EUR","-","500 EUR","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Sicherungsanlagen (technisch, optisch, akustisch)",null,"l","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","l","l","-","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","-","5 %, max. 2.500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Sturm/Hagel und – sofern vereinbart – weitere Naturgefahren sowie Brand und Blitz-schlag auf dem Versicherungsgrundstück",null,"-","-","3.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Taschendiebstahl\n§ Bargeld bis \n§ Mobiltelefone und Tablets bis",null,"-","500 EUR\n50 EUR\n50 %","1.000 EUR\n50 EUR\n50 %","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Teile und Zubehör von Kraftfahrzeugen",null,"-","1.000 EUR","3.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Telefonmissbrauch nach einem Einbruch",null,"500 EUR","1.500 EUR","5.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","150 EUR","-","150 EUR","-","-","300 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Transportmittelunfall",null,"-","500 EUR","1.000 EUR","-","-","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Transport- und Lagerkosten",null,"100 Tage","200 Tage","365 Tage","100 Tage","150 Tage","200 Tage","100 Tage","150 Tage","200 Tage","100 Tage","150 Tage","200 Tage","100 Tage","150 Tage","200 Tage","100 Tage","150 Tage","200 Tage","100 Tage","150 Tage","200 Tage","100 Tage","200 Tage","100 Tage","200 Tage","100 Tage","200 Tage","100 Tage","200 Tage","100 Tage","200 Tage","100 Tage","200 Tage","200 Tage","100 Tage","200 Tage","100 Tage","200 Tage","100 Tage","200 Tage","100 Tage","200 Tage","100 Tage","100 Tage","100 Tage","100 Tage","100 Tage","100 Tage","-","-","-","-","-","-","-","-","-"]
["Trickdiebstahl (innerhalb des Versicherungsortes)",null,"-","1.000 EUR","1.500 EUR","-","-","1.000 EUR","-","-","1.000 EUR","-","-","1.000 EUR","-","-","1.000 EUR","-","-","1.000 EUR","-","-","1.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Überschallknall",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","l","-","l","-","l","-","l","-","l","-","l","l","-","l","-","l","-","l","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Überspannungsschäden durch Blitz",null,"l","l","l","10 %","20 %","l","10 %","20 %","l","10 %","20 %","l","10 %","20 %","l","10 %","20 %","l","5 %,\nmax. 5.000 EUR","20 %","l","-","20.000 EUR","-","20.000 EUR","-","20.000 EUR","-","20.000 EUR","-","20.000 EUR","-","5.000 EUR","l","-","5.000 EUR","-","5.000 EUR","-","5.000 EUR","-","5.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Umzugskosten nach einem Versicherungsfall",null,"5 %","5 %","l","-","5 %","5 %","-","5 %","5 %","-","5 %","5 %","-","5 %","5 %","-","5 %","5 %","-","5 %","5 %","-","5 %, max. 5.000 EUR","-","5 %, max. 5.000 EUR","-","5 %, max. 5.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Unberechtigter Gebrauch von Scheck-, Kredit- und Kundenkarten nach einem Versicherungsfall",null,"-","1.500 EUR","5.000 EUR","-","-","1.500 EUR","-","-","1.500 EUR","-","-","1.500 EUR","-","-","1.500 EUR","-","-","1.500 EUR","-","-","1.500 EUR","-","1.500 EUR","-","1.500 EUR","-","1.500 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Unklare Zuständigkeit bei Versichererwechsel",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Vandalismus nach einem Einbruch oder bei Raub",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-"]
["Verpuffungsschäden",null,"l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","l","-","-","-","-","-","l","l","-","l","-","l","-","l","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Vorsorgeversicherung bei Haushaltsneugründung für Kinder",null,"-","20 %,\nmax. 20.000 EUR\nfür 6 Monate","30 %,\nmax. 30.000 EUR\nfür 6 Monate","-","15 %,\nmax. 15.000 EUR\nfür 3 Monate","30 %,\nmax. 30.000 EUR\nfür 6 Monate","-","15 %,\nmax. 15.000 EUR\nfür 3 Monate","30 %,\nmax. 30.000 EUR\nfür 6 Monate","-","15 %,\nmax. 15.000 EUR\nfür 3 Monate","30 %,\nmax. 30.000 EUR\nfür 6 Monate","-","15 %,\nmax. 15.000 EUR\nfür 3 Monate","30 %,\nmax. 30.000 EUR\nfür 6 Monate","-","15 %,\nmax. 15.000 EUR\nfür 3 Monate","30 %,\nmax. 30.000 EUR\nfür 6 Monate","-","15 %,\nmax. 15.000 EUR\nfür 3 Monate","15 %,\nmax. 15.000 EUR\nfür 3 Monate","-","25 %,\nmax. 20.000 EUR\nbis zu 6 Monate","-","25 %,\nmax. 20.000 EUR\nbis zu 6 Monate","-","25 %,\nmax. 20.000 EUR\nbis zu 6 Monate","-","25 %,\nmax. 20.000 EUR\nbis zu 6 Monate","-","25 %,\nmax. 20.000 EUR\nbis zu 6 Monate","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Vorversicherungs-Garantie",null,"-","l","l","-","-","l","-","-","l","-","-","l","-","-","l","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Wasseraustritt aus\n§ Aquarien\n§ Zimmerbrunnen und Wassersäulen\n§ Wasserbetten\n§ innenliegenden Regenfallrohren",null,"\nl (und Terrarien)\nl\nl\n-","\nl (und Terrarien)\nl\nl\nl","\nl (und Terrarien)\nl\nl\nl","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\nl","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\nl","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\nl","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\nl","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\nl","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\nl","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\nl\nl\n-","\nl\nl\nl\n2.500 EUR","\nl\n-\nl\n-","\nl\n-\nl\n-","\nl\n-\nl\n-","\nl\n-\n-\n-","\nl\n-\n-\n-","\nl\n-\n-\n-","\nl\n-\n-\n-","\n¡\n-\n-\n-","\n¡\n-\n-\n-","\n¡\n-\n-\n-","\n¡\n-\n-\n-","\n-\n-\n-\n-","\n-\n-\n-\n-","\n-\n-\n-\n-","\n-\n-\n-\n-"]
["Wasserverlust",null,"-","1.500 EUR (und Gasverlust)","5.000 EUR (und Gasverlust)","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","500 EUR","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","1.000 EUR","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Wertsachen gemäß A 18 AL-VHB 2016\n§ Bargeld, auf Geldkarten geladene Beträge (z.B. Chipkarten)\n§ Urkunden, Sparbücher\n§ Schmucksachen, Briefmarken",null,"20 %\n1.000 EUR\n5.000 EUR\n20.000 EUR","30 %\n3.000 EUR\n20.000 EUR\n30.000 EUR","50 %\n4.000 EUR\n30.000 EUR\n40.000 EUR","20 %\n1.000 EUR\n5.000 EUR\n20.000 EUR","25 %\n1.500 EUR\n10.000 EUR\n20.000 EUR","30 %\n2.000 EUR\n20.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n5.000 EUR\n20.000 EUR","25 %\n1.500 EUR\n10.000 EUR\n20.000 EUR","30 %\n2.000 EUR\n20.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n5.000 EUR\n20.000 EUR","25 %\n1.500 EUR\n10.000 EUR\n20.000 EUR","30 %\n2.000 EUR\n20.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n5.000 EUR\n20.000 EUR","25 %\n1.500 EUR\n10.000 EUR\n20.000 EUR","30 %\n2.000 EUR\n20.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n5.000 EUR\n20.000 EUR","25 %\n1.500 EUR\n10.000 EUR\n20.000 EUR","30 %\n2.000 EUR\n20.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n5.000 EUR\n20.000 EUR","25 %\n1.500 EUR\n10.000 EUR\n20.000 EUR","30 %\n2.000 EUR\n20.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","30 %\n2.000 EUR\n5.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","30 %\n2.000 EUR\n5.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","30 %\n2.000 EUR\n5.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","30 %\n2.000 EUR\n3.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","30 %\n2.000 EUR\n3.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","30 %\n2.000 EUR\n3.000 EUR\n25.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n1.000 EUR\n2.500 EUR\n20.000 EUR","20 %\n2.000 DM\n5.000 DM\n40.000 DM","20 %\n2.000 DM\n5.000 DM\n40.000 DM","20 %\n2.000 DM\n5.000 DM\n40.000 DM","20 %\n2.000 DM\n5.000 DM\n40.000 DM","20 %\n2.000 DM\n5.000 DM\n40.000 DM","20 %\n1.500 DM\n5.000 DM\n40.000 DM","20 %\n1.500 DM\n5.000 DM\n40.000 DM","20 %\n1.500 DM\n5.000 DM\n40.000 DM","20 %\n1.500 DM\n5.000 DM\n40.000 DM","20 %\n1.500 DM\n5.000 DM\n40.000 DM","unterschiedliche, zum Teil sich überschneidende Entschädigungsgrenzen","unterschiedliche, zum Teil sich überschneidende Entschädigungsgrenzen","unterschiedliche, zum Teil sich überschneidende Entschädigungsgrenzen","unterschiedliche, zum Teil sich überschneidende Entschädigungsgrenzen"]
[]
["Zusätzlicher Versicherungsschutz - gegen Mehrprämie versicherbar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"l","l","l","l","l","l","l","l","l","l",null,"l","l","-"]
["Elementarschäden/ Weitere Naturgefahren (seit 07.2014)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 800.000 EUR\n§ Wartezeit 4 Wochen",null,"¡\n","¡","¡","¡\n","¡","¡","¡\n","¡","¡","¡\n","¡","¡","¡\n","¡","¡","¡\n","¡","¡","¡\n","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (04.2010-01.2013)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 800.000 EUR\n§ Wartezeit 2 Wochen (gemäß Ziffer 12 AL-BEH 2008)",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (01.2010)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   maximal jedoch das im Vertragsdokument ausgewiesene Haftungslimit\n§ Wartezeit 2 Wochen (gemäß Ziffer 12 AL-BEH 2008)",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (01.2008-01.2009)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n    max. 500.000 EUR\n§ Wartezeit 2 Wochen (gemäß Ziffer 12 AL-BEH 2008)",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (07.2007)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdfall, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 150.000 EUR",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (07.2005-01.2007)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt je Schadenfall 10% des Schadens, mindestens 250 EUR, maximal 2.500 EUR\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 500.000 EUR",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (10.2003)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt 1% der zum Zeitpunkt des Versicherungsfalles geltenden Versicherungssumme\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n    max. 500.000 EUR",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Elementar (01.2002)\n§ Überschwemmung des Versicherungsortes, Rückstau, Erdbeben, Erdfall, Erdrutsch, \n   Schneedruck, Lawinen, Vulkanausbruch\n§ Selbstbehalt 1% der zum Zeitpunkt des Versicherungsfalles geltenden Versicherungssumme\n§ Haftungslimit je Schadenereignis und Versicherungsort die vereinbarte Hausratversicherungssumme, \n   max. 500.000 EUR",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Elementarschadendeckung (01.1993-09.1993)\n§ Überschwemmung des Versicherungsortes, Erdbeben, Erdsenkung, Erdrutsch, \n   Schneedruck, Lawinen\n§ Haftungslimit je Schadenereignis und Versicherungsjahr 1.000.000 DM, SB 10 %, mind. 500 DM,\n   höchstens 10.000 DM",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","-","-","-","-","-","-","-","-"]
["Paket Reisegepäck (ab 07.2014)\nReisegepäckversicherung\n§ Urlaubsreise bis 3 Tage Dauer bis 1.500 EUR \n§ Urlaubsreise ab 4 Tagen Dauer bis 3.000 EUR",null,"¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Tour (04.2010-01.2013)\n§ Reisegepäckversicherung\n- Urlaubsreise bis 3 Tage Dauer bis 1.500 EUR \n- Urlaubsreise ab 4 Tagen Dauer bis 3.000 EUR\n§ Rückreisekosten aus dem Urlaub bis 5.000 EUR",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Tour (01.2002-01.2010)\n§ Reisegepäckversicherung bis 1.000 EUR\n§ Rückreisekosten aus dem Urlaub bis 1.000 EUR",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","¡","¡","¡","-","¡","¡","¡","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Tour (07.1998)\n§ Reisegepäckversicherung bis 2.000 DM\n§ Rückreisekosten aus dem Urlaub bis 2.000 DM",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Top (01.2002)\n§ Fahrraddiebstahlschäden bis 1.000 EUR\n§ Überspannungsschäden durch Blitz bis 5.000 EUR\n§ Implosionsschäden an elektrischen Geräten bis 1.500 EUR",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Servicepaket Top (01.1997-07.1998)\n§ Fahrraddiebstahlschäden bis 2.000 DM\n§ Überspannungsschäden durch Blitz bis 10.000 DM\n§ Implosionsschäden an elektrischen Geräten bis 3.000 DM",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-"]
["Risikopaket (09.1993-01.1995)\n-Risiken auch einzeln versicherbar-\n§ Fahrraddiebstahlschäden bis 1.500 DM\n§ Hotelkosten bis 50 DM, max. 100 Tage, inkl. Frühstück\n§ Überspannungsschäden durch Blitz bis 10.000 DM\n§ Implosionsschäden an elektrischen Geräten bis 3.000 DM",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","-","-","-","-","-","-","-","-","-"]
["Risikopaket (07.1992-01.1993)\n-Risiken auch einzeln versicherbar-\n§ Fahrraddiebstahlschäden bis 1.500 DM\n§ Hotelkosten bis 10.000 DM\n§ Überspannungsschäden durch Blitz bis 10.000 DM\n§ Feuernutzwärmeschäden bis 1.000 DM",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","-","-","-","-","-","-","-"]
["\"Risikopaket\" (07.1991)\n-Risiken nur einzeln versicherbar-\n§ Hotelkosten bis 10.000 DM\n§ Überspannungsschäden durch Blitz bis 10.000 DM\n§ Feuernutzwärmeschäden bis 1.000 DM",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","-","-","-","-","-","-"]
["Paket Cyber\n§ Online-Shopping\n§ Identitätsdatendiebstahl\n§ Datenrettung\n§ Cyber-Mobbing",null,"¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Paket Fahrraddiebstahl - ohne Nachtzeitklausel",null,"¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Fahrraddiebstahlschäden - ohne Nachtzeitklausel",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
["Fahrraddiebstahlschäden - inkl. Nachtzeitklausel",null,"-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","¡","-","-","-","-"]
["Paket Haus- und Wohnungsschutzbrief\n§ Kostenübernahme bis 500 EUR für z. B. Schlüsseldienst und Entfernung eines Wespennestes\n§ Organisation im Schadenfall von z. B. Übernachtungsmöglichkeiten\n§ 24 Stunden-Handwerker-Service\n§ Psychologische Erstberatung nach Einbruchdiebstahl und Raub\n§ Notdienst bei Ausfall von Elektrogeräten",null,"¡","¡","¡","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-","-"]
[null,null,"l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert"]
["¹ European Free Trade Association (Europäisches Freihandelsabkommen) zwischen den 4 Staaten Island, Liechtenstein, Schweiz und Norwegen",null,"¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar","¡ gegen Mehrprämie versicherbar"]
[]
[]
[]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · service@alte-leipziger.de · Telefon 06171 66-00 · Telefax 06171 66-2443 · ALTE LEIPZIGER – HALLESCHE Konzern"]

{"sheet":"Leer","index":10,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"Tapete Immo HV","index":11,"n_rows":112,"n_cols":12,"rows_kept":112,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Immobilienschutz - Tarifvergleich HV "]
[]
["Vergleich der Rahmenvereinbarungen für Hausverwaltungen mit früheren Tarifständen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes geht ausschließlich aus den für den Vertrag vereinbarten Versicherungsbedingungen/ der Rahmenvereinbarung hervor."]
[]
["Tarif",null,"04.2019","01.2018","10.2016","10.2015","10.2013","01.2013","07.2011","07.2009","01.2009","01.2008"]
["Bedingungen",null,"AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008","AL-VGB 2008"]
["Deklaration",null,"RV-HV 04.2019","RV-HV 01.2018","RV-HV 10.2016","RV-HV 10.2015","RV-HV 10.2013","RV-HV 01.2013","RV-HV 07.2011","RV-HV 07.2009","RV-HV 01.2009","RV-HV 01.2008"]
["Versicherte Gefahren",null,"F, LW, ST/H","F, LW, ST/H","F, LW, ST/H","F, LW, ST/H","F, LW, ST/H","F, LW, ST/H","F, LW, ST/H","F, LW, ST/H","F, LW, ST/H","F, LW, ST/H"]
["Ableitungsrohre außerhalb des Gebäudes",null,"2.000 EUR je Versicherungsjahr","2.000 EUR je Versicherungsjahr","2.000 EUR je Versicherungsjahr","2.000 EUR je Versicherungsjahr","2.000 EUR je Versicherungsjahr","2.000 EUR je Versicherungsjahr","2.000 EUR je Versicherungsjahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und pro Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr"]
["Anbaumöbel und Anbauküchen (subsidiär)",null,"l","l","l","l","l","l","l","l","-","-"]
["Anprall / Absturz unbemannter Flugkörper",null,null,"l","l","l","l","l","l","l","l","l"]
["Anprall von fremden Kraft- oder Schienenfahrzeugen",null,"l","l","l","l","l","l","l","l","l","l"]
["Aufräumungs-, Abbruch-, Bewegungs- und Schutzkosten",null,"l","l","l","l","l","l","l","l","l","l"]
["Aufräumungs- und Wiederaufforstungskosten für umgestürzte Bäume",null,"10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR"]
["Außenwandverkleidungen",null,"l","l","l","l","l","l","l","l","l","l"]
["Beseitigung von Graffiti",null,"3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr","3.000 EUR je Objekt, \nSB 500 EUR, \nmax. 6.000 EUR pro Jahr"]
["Blindgängerschäden",null,"l","l","l","l","-","-","-","-","-","-"]
["Bruchschäden an Armaturen/ Beschädigung von Schläuchen",null,"500 EUR³","500 EUR³","500 EUR³","500 EUR³","500 EUR³","500 EUR³","500 EUR³","500 EUR³","500 EUR³","500 EUR³"]
["Bruchschäden an Gasrohren",null,"5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","5.000 EUR, \nmax. 10.000 EUR \nje Objekt und Jahr","-"]
["Datenrettungskosten",null,"500 EUR²","500 EUR²","500 EUR²","500 EUR²","500 EUR²","500 EUR²","500 EUR²","500 EUR²","500 EUR²","500 EUR²"]
["Dekontamination von Erdreich",null,"l","l","l","l","l","l","l","l","l","l"]
["Diebstahl von Gebäudebestandteilen / Zubehör",null,"10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR"]
["Feuer-Nutzwärmeschäden",null,"l","l","l","l","l","l","l","l","l","l"]
["Feuer-Rohbauversicherung",null,"24 Monate (erweitert), max. 8.000.000 EUR je Objekt","24 Monate (erweitert), max. 8.000.000 EUR je Objekt","24 Monate (erweitert), max. 8.000.000 EUR je Objekt","24 Monate (erweitert), max. 8.000.000 EUR je Objekt","24 Monate (erweitert), max. 8.000.000 EUR je Objekt","24 Monate (erweitert), max. 8.000.000 EUR je Objekt","24 Monate (erweitert), max. 8.000.000 EUR je Objekt","24 Monate (erweitert), max. 8.000.000 EUR je Objekt","24 Monate (erweitert), max. 5.000.000 EUR je Objekt","24 Monate (erweitert), max. 5.000.000 EUR je Objekt"]
["Frost- und Bruchschäden"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb versicherter\n    Gebäude",null,"l","l","l","l","l","l","l","l","l","l"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude auf dem\n    Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen, sofern der VN die Gefahr\n    trägt",null,"l","l","l","l","l","l","l","l","l","l"]
["§ an sonstigen Zuleitungsrohren der Wasserversorgung innerhalb und außerhalb des\n    Versicherungsgrundstücks, sofern der VN die Gefahr trägt",null,"l","l","l","l","l","l","l","l","l","l"]
["§ an Zu- und Ableitungsrohren von Zisternenanlagen innerhalb versicherter Gebäude sowie\n    Zuleitungsrohren der Zisternenanlage außerhalb versicherter Gebäude auf dem Versicherungsgrundstück",null,"l","l","l","l","l","l","l","l","l","l"]
["Garten- und Gerätehäuser (ohne Gewächshäuser)",null,"10.000 EUR²","10.000 EUR²","10.000 EUR²","10.000 EUR²","-","-","-","-","-","-"]
["Garten- und Gewächshäuser bis 10 qm",null,"-","-","-","-","-","-","-","-","-","1.500 EUR²"]
["Garten-, Gewächs- und Gerätehäuser bis 10 qm",null,"-","-","-","-","1.500 EUR²","1.500 EUR²","1.500 EUR²","1.500 EUR²","1.500 EUR²","-"]
["Gebäudebeschädigung infolge Einbruch durch unbefugte Dritte",null,"l","l","l","l","l","l","l","l","l","l"]
["Gewächshäuser bis 10 qm",null,"500 EUR²","500 EUR²","500 EUR²","500 EUR²","-","-","-","-","-","-"]
["Grobe Fahrlässigkeit",null,"l","l","l","l","l","l","bis 1.000 EUR, darüber \n50 % des Schadens, max. 50.000 EUR je Objekt","bis 1.000 EUR, darüber \n50 % des Schadens, max. 50.000 EUR je Objekt","bis 1.000 EUR, darüber \n50 % des Schadens, max. 50.000 EUR je Objekt","bis 1.000 EUR, darüber \n50 % des Schadens, max. 50.000 EUR je Objekt"]
["Hotelkosten bis zu 100 Tage für die eigengenutzte Wohnung",null,"100 EUR pro Tag","100 EUR pro Tag","100 EUR pro Tag","100 EUR pro Tag","100 EUR pro Tag","100 EUR pro Tag","100 EUR pro Tag","100 EUR pro Tag","100 EUR pro Tag","100 EUR pro Tag"]
["Implosion",null,"l","l","l","l","l","l","l","l","l","l"]
["Innenliegende Regenfallrohre",null,"l","l","l","l","l","l","l","l","l","l"]
["Innere Unruhen, Streik oder Aussperrung, mutwillige Beschädigung",null,"l, SB 1.500 EUR","l, SB 1.500 EUR","l, SB 1.500 EUR","l, SB 1.500 EUR","l, SB 1.500 EUR","l, SB 1.500 EUR","l, SB 1.500 EUR","l, SB 1.500 EUR","l, SB 1.500 EUR","l, SB 1.500 EUR"]
["Kosten der Ermittlung und Feststellung des Schadens",null,"l","l","l","l","l","l","l","l","l","l"]
["Kosten durch Fehlalarm eines Brandmelders",null,"1.000 EUR","1.000 EUR","1.000 EUR","1.000 EUR","-","-","-","-","-","-"]
["Kosten für Notreparaturen",null,"l","l","l","l","l","l","l","l","l","l"]
["Kosten für radioaktive Isotope",null,"l","l","l","l","l","l","l","l","l","l"]
["Medienverlust",null,"-","-","-","-","-","-","-","-","-","1.000 EUR"]
["Medienverlust (Leitungswasser, Gas und sonstige Flüssigkeiten)",null,"1.000 EUR","1.000 EUR","1.000 EUR","1.000 EUR","1.000 EUR","1.000 EUR","1.000 EUR","1.000 EUR","1.000 EUR","-"]
["Mehrkosten infolge behördlicher Auflagen",null,"l","l","l","l","l","l","l","l","l","l"]
["Mehrkosten infolge behördlicher Auflagen - für Restwerte -",null,"l","l","l","l","l","l","l","l","l","l"]
["Mehrkosten infolge Preissteigerung (Preisdifferenzversicherung)",null,"l","l","l","l","l","l","l","l","l","l"]
["Mehrkosten infolge technologischen Fortschritts",null,"l","l","l","l","l","l","l","l","l","l"]
["Mietausfall für Wohn- und Gewerberäume",null,"24 Monate (erweitert)","24 Monate (erweitert)","24 Monate (erweitert)","24 Monate (erweitert)","24 Monate (erweitert)","24 Monate (erweitert)","24 Monate (erweitert)","24 Monate (erweitert)","24 Monate (erweitert)","24 Monate (erweitert)"]
["Nebengebäude, soweit Versicherungsschutz beantragt",null,"l","l","l","l","l","l","l","l","l","l"]
["Photovoltaikanlagen",null,"l","l","l","l","l","l","l","l","l","l"]
["Rauch siehe Verpuffung",null,"-","-","-","-","-","-","-","-","-","l"]
["Rauch- und Rußschäden",null,"l","l","l","l","l","l","l","l","l","-"]
["Regiekosten (ab Schadenhöhe 5.000 EUR)",null,"5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR","5 % des Schadenbetrages, \nmax. 5.000 EUR"]
["Rückreisekosten aus dem Urlaub (ab Schadenhöhe 10.000 EUR)",null,"l","l","l","l","l","l","l","l","l","l"]
["Sachverständigenkosten (ab Schadenhöhe 25.000 EUR)",null,"l","l","l","l","l","l","l","l","l","l"]
["Schadenabwendungs- und -minderungskosten",null,"l","l","l","l","l","l","l","l","l","l"]
["Schäden durch radioaktive Isotope",null,"l","l","l","l","l","l","l","l","l","l"]
["Sengschäden",null,"l","l","l","l","l","l","l","l","l","l"]
["Tierbissschäden an elektrischen Anlagen, Dämmungen und Unterspannbahnen (von Mardern und sonstigen wildlebenden Kleinnagern)",null,"l","l","l","l","-","-","-","-","-","-"]
["Überschallknall",null,"l","l","l","l","l","l","l","l","l","l"]
["Überspannungsschäden durch Blitz",null,"l","l","l","l","l","l","l","l","l","l"]
["Unklare Zuständigkeit bei Versicherungswechsel",null,"l","l","l","l","-","-","-","-","-","-"]
["Unmittelbare Einwirkung von Regen- und Schmelzwasser",null,"-","-","-","-","-","-","-","-","-","5.000 EUR"]
["Verkehrssicherungsmaßnahmen / -kosten",null,"100.000 EUR","100.000 EUR","100.000 EUR","100.000 EUR","100.000 EUR","100.000 EUR","100.000 EUR","100.000 EUR","100.000 EUR","100.000 EUR"]
["Verpuffungsschäden",null,"l","l","l","l","l","l","l","l","l","l"]
["Verstopfung von Ableitungs-, Regenfallrohren innerhalb von Gebäuden",null,"500 EUR","500 EUR","500 EUR","500 EUR","500 EUR","500 EUR","500 EUR","500 EUR","500 EUR","500 EUR"]
["Vom Mieter / Eigentümer eingefügte, fest eingebaute Sachen (subsidiäre Deckung)",null,"-","-","-","-","-","-","-","-","l","l"]
["Vom Mieter eingefügte, fest eingebaute Sachen (subsidiäre Deckung)",null,"l","l","l","l","l","l","l","l","-","-"]
["Modell nach Versicherungssumme\nVorsorgeschutz für wertsteigernde bauliche Maßnahmen",null,"nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","je Objekt\nmax. 5.000.000 EUR","je Objekt\nmax. 5.000.000 EUR"]
["Modell nach Wohneinheiten\nVorsorgeschutz für Um-, An- oder Ausbauten (erweitert)",null,"nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","nach Ende der Bau-maßnahmen max. ein erreichter Gesamtneubau-wert 8.000.000 EUR","-","-"]
["Wasseraustritt bzw. Austritt von sonstigen wärmetragenden Flüssigkeiten aus",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["§ Fußbodenheizungen",null,"l","l","l","l","l","l","l","l","l","l"]
["§ Aquarien",null,"l","l","l","l","l","l","l","l","l","l"]
["§ Schwimmbecken, Wasserbetten",null,"l","l","l","l","l","l","l","l","l","l"]
["§ Zisternenanlagen",null,"l","l","l","l","l","l","l","l","l","l"]
["§ Klima-, Wärmepumpen- und Solarheizanlagen",null,"l","l","l","l","l","l","l","l","l","l"]
["Wasserverlust durch Bruch von Zuleitungen der Wasserversorgung",null,"-","-","-","-","-","-","-","-","-","siehe Medienverlust"]
["Wasser- und Gasverlust durch Bruch von Zuleitungen der Wasser- und Gasversorgung",null,"siehe Medienverlust","siehe Medienverlust","siehe Medienverlust","siehe Medienverlust","siehe Medienverlust","siehe Medienverlust","siehe Medienverlust","siehe Medienverlust","siehe Medienverlust","-"]
["Weiteres Zubehör und sonstige Grundstücksbestandteile",null,"-","-","-","-","-","-","-","-","-","l"]
["Weitere Grundstücksbestandteile",null,"l","l","l","l","l","l","l","l","l","-"]
["Wiederherstellung der Gartenanlage",null,"5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR"]
[null,null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Zusätzlicher Versicherungsschutz - gegen Mehrprämie versicherbar",null,"Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter","Platzhalter"]
["Servicepaket Ableitungsrohre 4.000 EUR oder 8.000 EUR",null,"¡","¡","¡","¡","-","-","-","-","-","-"]
["Servicepaket Elementar",null,"¡","¡","¡","¡","¡","¡","¡","¡","¡","¡"]
["§ Überschwemmung, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, Schneedruck, Lawinen, Dachlawinen, Vulkanausbruch",null,"Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR","Selbstbehalt 10 % des Schadens, mind. 500 EUR, max. 5.000 EUR"]
["§ Wartezeit",null,"4 Wochen","4 Wochen","4 Wochen","4 Wochen","2 Wochen","2 Wochen","2 Wochen","2 Wochen","2 Wochen","2 Wochen"]
["§ Haftungslimit",null,"je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR","je Schadenereignis und Versicherungsort die vereinbarte Gebäude-versicherungssumme; bei der Gleitenden Neuwertversicherung die Versicherungssumme 1914 multipliziert mit dem zum Zeitpunkt des Versicherungsfalles gültigen Anpassungsfaktor; max. 1.500.000 EUR"]
["Servicepaket Haustechnik",null,"¡","-","-","-","-","-","-","-","-","-"]
["§ Versichert sind haustechnische Anlagen wie z.B. Heizungsanlagen, Personenaufzüge, Garagentore und Smart-Home-Geräte gegen unvorhergesehene Zerstörung, Beschädigung oder Abhandenkommen ",null,"Entschädigung unbegrenzt, \nSelbstbehalt 250 EUR","-","-","-","-","-","-","-","-","-"]
["Servicepaket Kosten ",null,"¡","¡","¡","¡","-","-","-","-","-","-"]
["§ Kosten für den Wiederaufbau von Hausrat",null,"5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR","-","-","-","-","-","-"]
["§ Kosten für Transport und Lagerung",null,"5.000 EUR","5.000 EUR","5.000 EUR","5.000 EUR","-","-","-","-","-","-"]
["§ Kosten für eine Leckortung",null,"500 EUR","-","-","-","-","-","-","-","-","-"]
["§ Kosten für alters- und behindertengerechten Wiederaufbau",null,"je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","-","-","-","-","-","-"]
["§ Mehrkosten für behördlich nicht vorgeschriebene energetische Modernisierung ",null,"je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","-","-","-","-","-","-"]
["§ Mehrkosten für Gebäudewiederherstellung mit umweltfreundlichen Baustoffen",null,"je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","je We 2.500 EUR, max. 25.000 EUR","-","-","-","-","-","-"]
["Servicepaket Wiederherstellung",null,"¡","¡","¡","¡","-","-","-","-","-","-"]
["§ Aufräumungs- und Wiederaufforstungskosten für umgestürzte Bäume",null,"10.000 EUR","10.000 EUR","10.000 EUR","10.000 EUR","-","-","-","-","-","-"]
["§ Beseitigung von Graffiti",null,"7.000 EUR","7.000 EUR","7.000 EUR","7.000 EUR","-","-","-","-","-","-"]
["§ Bruchschäden an Armaturen/Beschädigung von Schläuchen",null,"500 EUR","500 EUR","500 EUR","500 EUR","-","-","-","-","-","-"]
["§ Gebäudebeschädigung infolge Einbruch an Sachen, die nicht dem Gemeingebrauch dienen",null,"1.000 EUR","1.000 EUR","1.000 EUR","1.000 EUR","-","-","-","-","-","-"]
[null,null,"¡","¡","¡","¡","-","-","-","-","-","-"]
[null,null,"l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur","l generell mitversichert bzw. bis zur Höhe der Versicherungssumme versichert\n¡ gegen Mehrprämie versicherbar\n² je Versicherungsjahr und Versicherungsort max. das Doppelte\n³ Entschädigung je Armatur"]
[]
["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · prs-pmp@alte-leipziger.de · Telefon 06171 66-2056 · Telefax 06171 66-4950 · ALTE LEIPZIGER – HALLESCHE Konzern"]

{"sheet":"Ergebnis Immo HV","index":12,"n_rows":112,"n_cols":1,"rows_kept":112,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
["Immobilienschutz - Tarifvergleich HV "]
[]
["Vergleich der Rahmenvereinbarungen für Hausverwaltungen mit früheren Tarifständen"]
["Bitte beachten Sie: Diese Leistungsbeschreibung ist lediglich eine Kurzübersicht. Der rechtsverbindliche Umfang des Versicherungsschutzes geht ausschließlich aus den für den Vertrag vereinbarten Versicherungsbedingungen/ der Rahmenvereinbarung hervor."]
[]
["Tarif"]
["Bedingungen"]
["Deklaration"]
["Versicherte Gefahren"]
["Ableitungsrohre außerhalb des Gebäudes"]
["Anbaumöbel und Anbauküchen (subsidiär)"]
["Anprall / Absturz unbemannter Flugkörper"]
["Anprall von fremden Kraft- oder Schienenfahrzeugen"]
["Aufräumungs-, Abbruch-, Bewegungs- und Schutzkosten"]
["Aufräumungs- und Wiederaufforstungskosten für umgestürzte Bäume"]
["Außenwandverkleidungen"]
["Beseitigung von Graffiti"]
["Blindgängerschäden"]
["Bruchschäden an Armaturen/ Beschädigung von Schläuchen"]
["Bruchschäden an Gasrohren"]
["Datenrettungskosten"]
["Dekontamination von Erdreich"]
["Diebstahl von Gebäudebestandteilen / Zubehör"]
["Feuer-Nutzwärmeschäden"]
["Feuer-Rohbauversicherung"]
["Frost- und Bruchschäden"]
["§ an Zu- und Ableitungsrohren der Wasserversorgung sowie Heizungsrohren innerhalb versicherter\n    Gebäude"]
["§ an Wasserzuleitungs- und Heizungsrohren außerhalb versicherter Gebäude auf dem\n    Versicherungsgrundstück zur Versorgung versicherter Gebäude oder Anlagen, sofern der VN die Gefahr\n    trägt"]
["§ an sonstigen Zuleitungsrohren der Wasserversorgung innerhalb und außerhalb des\n    Versicherungsgrundstücks, sofern der VN die Gefahr trägt"]
["§ an Zu- und Ableitungsrohren von Zisternenanlagen innerhalb versicherter Gebäude sowie\n    Zuleitungsrohren der Zisternenanlage außerhalb versicherter Gebäude auf dem Versicherungsgrundstück"]
["Garten- und Gerätehäuser (ohne Gewächshäuser)"]
["Garten- und Gewächshäuser bis 10 qm"]
["Garten-, Gewächs- und Gerätehäuser bis 10 qm"]
["Gebäudebeschädigung infolge Einbruch durch unbefugte Dritte"]
["Gewächshäuser bis 10 qm"]
["Grobe Fahrlässigkeit"]
["Hotelkosten bis zu 100 Tage für die eigengenutzte Wohnung"]
["Implosion"]
["Innenliegende Regenfallrohre"]
["Innere Unruhen, Streik oder Aussperrung, mutwillige Beschädigung"]
["Kosten der Ermittlung und Feststellung des Schadens"]
["Kosten durch Fehlalarm eines Brandmelders"]
["Kosten für Notreparaturen"]
["Kosten für radioaktive Isotope"]
["Medienverlust"]
["Medienverlust (Leitungswasser, Gas und sonstige Flüssigkeiten)"]
["Mehrkosten infolge behördlicher Auflagen"]
["Mehrkosten infolge behördlicher Auflagen - für Restwerte -"]
["Mehrkosten infolge Preissteigerung (Preisdifferenzversicherung)"]
["Mehrkosten infolge technologischen Fortschritts"]
["Mietausfall für Wohn- und Gewerberäume"]
["Nebengebäude, soweit Versicherungsschutz beantragt"]
["Photovoltaikanlagen"]
["Rauch siehe Verpuffung"]
["Rauch- und Rußschäden"]
["Regiekosten (ab Schadenhöhe 5.000 EUR)"]
["Rückreisekosten aus dem Urlaub (ab Schadenhöhe 10.000 EUR)"]
["Sachverständigenkosten (ab Schadenhöhe 25.000 EUR)"]
["Schadenabwendungs- und -minderungskosten"]
["Schäden durch radioaktive Isotope"]
["Sengschäden"]
["Tierbissschäden an elektrischen Anlagen, Dämmungen und Unterspannbahnen (von Mardern und sonstigen wildlebenden Kleinnagern)"]
["Überschallknall"]
["Überspannungsschäden durch Blitz"]
["Unklare Zuständigkeit bei Versicherungswechsel"]
["Unmittelbare Einwirkung von Regen- und Schmelzwasser"]
["Verkehrssicherungsmaßnahmen / -kosten"]
["Verpuffungsschäden"]
["Verstopfung von Ableitungs-, Regenfallrohren innerhalb von Gebäuden"]
["Vom Mieter / Eigentümer eingefügte, fest eingebaute Sachen (subsidiäre Deckung)"]
["Vom Mieter eingefügte, fest eingebaute Sachen (subsidiäre Deckung)"]
["Modell nach Versicherungssumme\nVorsorgeschutz für wertsteigernde bauliche Maßnahmen"]
["Modell nach Wohneinheiten\nVorsorgeschutz für Um-, An- oder Ausbauten (erweitert)"]
["Wasseraustritt bzw. Austritt von sonstigen wärmetragenden Flüssigkeiten aus"]
["§ Fußbodenheizungen"]
["§ Aquarien"]
["§ Schwimmbecken, Wasserbetten"]
["§ Zisternenanlagen"]
["§ Klima-, Wärmepumpen- und Solarheizanlagen"]
["Wasserverlust durch Bruch von Zuleitungen der Wasserversorgung"]
["Wasser- und Gasverlust durch Bruch von Zuleitungen der Wasser- und Gasversorgung"]
["Weiteres Zubehör und sonstige Grundstücksbestandteile"]
["Weitere Grundstücksbestandteile"]
["Wiederherstellung der Gartenanlage"]
[]
["Zusätzlicher Versicherungsschutz - gegen Mehrprämie versicherbar"]
["Servicepaket Ableitungsrohre 4.000 EUR oder 8.000 EUR"]
["Servicepaket Elementar"]
["§ Überschwemmung, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, Schneedruck, Lawinen, Dachlawinen, Vulkanausbruch"]
["§ Wartezeit"]
["§ Haftungslimit"]
["Servicepaket Haustechnik"]
["§ Versichert sind haustechnische Anlagen wie z.B. Heizungsanlagen, Personenaufzüge, Garagentore und Smart-Home-Geräte gegen unvorhergesehene Zerstörung, Beschädigung oder Abhandenkommen "]
["Servicepaket Kosten "]
["§ Kosten für den Wiederaufbau von Hausrat"]
["§ Kosten für Transport und Lagerung"]
["§ Kosten für eine Leckortung"]
["§ Kosten für alters- und behindertengerechten Wiederaufbau"]
["§ Mehrkosten für behördlich nicht vorgeschriebene energetische Modernisierung "]
["§ Mehrkosten für Gebäudewiederherstellung mit umweltfreundlichen Baustoffen"]
["Servicepaket Wiederherstellung"]
["§ Aufräumungs- und Wiederaufforstungskosten für umgestürzte Bäume"]
["§ Beseitigung von Graffiti"]
["§ Bruchschäden an Armaturen/Beschädigung von Schläuchen"]
["§ Gebäudebeschädigung infolge Einbruch an Sachen, die nicht dem Gemeingebrauch dienen"]
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["ALTE LEIPZIGER Versicherung AG · Alte Leipziger-Platz 1 · 61440 Oberursel  · prs-pmp@alte-leipziger.de · Telefon 06171 66-2056 · Telefax 06171 66-4950 · ALTE LEIPZIGER – HALLESCHE Konzern"]