The assurance market is opaque to most people. There are many insurance vendors. As a prospect you can hardly get the overview. Nevertheless one wants to get the best solution. Nowadays it is a good idea to use a tariff comparison website as Guenstige Autoversicherung, when you are in need of a particular assurance. There you can retrieve your individual assurance quotation from a great number of assurance offerers.

Some important German insurances - e.g. Krankenzusatzversicherung Vergleich - which are mentioned in this context are:

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

The private health assurance: Private sickness insurance can be taken by business owners - regardless of their earnings. As an employee you may switch to the private medical assurance, if your yearly gross income lies 3 years in a row over the assurance limit of 48,150 Euros (equivalent to 4012.50 Euros a month, status of 2008). Also officials, judges and members of parliament are usually privately insured. The German private medical assurance usually offers superior performance than the statutory health assurance. Many insurance vendors give the option of making modulation to the tariff of the active agreement.

The building assurance: For many persons the own house is the largest expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a house insurance is essential for every owner of a house. The personal belongings are not insured. This should be done by a separate householders insurance. The elements of fire assurance and tap water insurance should always be included. Natural hazards might be a great risk for your house. So everybody should look for a building insurance which is covering these special risks. Insurance protection against storm damage should definitely be considered because of the rise of heavy storms during the past years in Germany.

The German Riester-Pension: The so called Riester-Assurance is a government-funded private pension you can seize to close your personal pension gap. It is both safe and attractive: During the active working life, you pay contributions into a private annuity contract, a bank or savings fund, additionally you get growing state allowances and tax incentives as a bonus. Later you will receive monthly benefits a lifetime - in the form of a retirement pension or a payment plan. Each employed professional, who is not willing to rely on the governmental pension exclusively, should think about a Riester-Assurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Insurance plans.

The vocational invalidity insurance: Consumer protectors have repeatedly pointed out that the vocational inability assurance besides the casualty assurance is the most important assurance at all. The loss of manpower is an existential risk. Because of being no longer able to work means to earn nothing. Physical hardship often is the result. The state barely helps in such a case - the statutory pension insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational disablement cases is illness. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must terminate their jobs for illness reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the health insurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an vocational inability insurance.

The dog owner insurance: Without a dog liability assurance every dog owner carries a very high risk of liability when his four-legged friend once causes a damage. When the dog runs over the street and causes a traffic accident, one can be held liable for all damages of persons and vehicles. On the German assurance market there are many dog insurance suppliers. As a dog owner it is quite hard to find the best company and contract for your specific requirements. The research for the best assurance can be done on the Internet. There are recommendable websites which offer gratis comparisons of German dog liability insurances.

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

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