The insurance market is opaque to most persons. There are many assurers. As a private person you can hardly get the overview. Nevertheless one wants to find the right solution. Nowadays it is a good choice to use a rate comparison website as Preiswerte Krankenzusatzversicherung, when you are looking for a particular assurance. There you can get your personal insurance offer from a great number of assurance providers.

Some important German assurances - for example Vergleich PKV Private Krankenversicherung - which are mentioned in this context are:

The dog liability insurance: Without a dog liability insurance 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 assurance suppliers. As a dog owner it is quite hard to find the right company and contract for your specific requirements. The research for the best assurance can be done on the Internet. There are advisable web pages which offer free comparisons of German dog owner assurances.

The property insurance: For most persons the own house is the biggest expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a building insurance is essential for every owner of a house. The household effects are not insured. This should be done by a separate household contents assurance. 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 search a house 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 private sickness assurance: Private health assurance can be taken by self-employed people - regardless of their salaries. As an employee you may switch to the private health assurance, if your annual gross income lies 3 years in a row over the insurance 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 superior performance than the governmental health insurance. Many assurance companies give the option of making modulation to the tariff of the active agreement.

The occupational inability insurance: Consumer protectors have repeatedly pointed out that the vocational invalidity insurance adjacent to 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 assurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational invalidity cases is illness. Less common cause than illness is a previous accident. About every 4th worker and every 5th employee must quit their jobs for sickness 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 supply gap when not having an vocational invalidity assurance.

The car indemnity assurance: If you get a car for yourself, you have to insure it. The car indemnity assurance is required by law - without proof of casualty assurance already the admission of the car is impossible. The automobile liability assurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be effected. Hull insurances pay for damages of your own vehicle.

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

The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: private Altersvorsorge Vergleich. This comparison site is independent from a single insurer and gives a good overview of the market.

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