The insurance market is vague to most individuals. There are many insurance suppliers. As a customer you can hardly get the overview. Nevertheless one wants to find the right solution. Nowadays it is a good idea to use a rate comparison site as Beste Kapital-Lebensversicherung, when you are looking for a particular insurance. There you can retrieve an affordable insurance quotation from a great number of insurance companies.

Some important German assurances - for example Preisvergleich Krankenzusatzversicherung - which are mentioned in this context are:

The private liability insurance: Even a slight mistake e.g. an error in giving way when bicycling, or a careless discarded cigarette may cause huge damages. Especially when people come to damage, the claims of the victim may result in the financial ruin of the injuring party. There is no limitation to the top. Therefore the private liability assurance is very important for everyone. With a casualty insurance you and your family have protection from the typical liability risks of everyday life in the private sector.

The property insurance: For a lot of owners the own house is the most important investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property assurance is essential for every homeowner. The contents are not insured. This should be done by a separate household items assurance. The elements of fire insurance and mains water assurance should always be included. Natural hazards might be a great risk for your house. So everybody should look for a building assurance 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 occupational invalidity insurance: Consumer protectors have repeatedly pointed out that the occupational invalidity assurance in addition to the casualty insurance is the most important insurance even. 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 inability cases is illness. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must quit their jobs for illness reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the medical insurance and for unemployment benefits are exhausted, you are confronted with a large income gap when not having an occupational invalidity assurance.

The German Riester-Pension: The so called Riester-Pension 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 reliefs as a bonus. Later you will receive monthly benefits a lifetime - in the form of an old-age pension or a payment plan. Each employed professional, who is not willing to rely on the governmental pension exclusively, should take into consideration a Riester-Insurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Assurance agreements.

The dog owner insurance: Without a dog owner 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 responsible for all damages of persons and vehicles. On the German insurance market there are many dog insurance suppliers. As a dog owner it is not easy to find the right supplier and contract for your specific requirements. The research for the right assurance can be done online. There are good sites which offer gratis comparisons of German dog liability assurances.

The private medical assurance: Private medical insurance can be taken by entrepreneurs - regardless of their revenues. As an employee you may switch to the private health insurance, if your annual gross salary 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 health assurance usually offers higher performance than the governmental health assurance. Many insurance vendors give the option of making customization to the tariff of the active agreement.

The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: Pferdeversicherung Preisvergleich. This comparison website is independent from a single insurance vendor and gives a nice overview of the market.