The insurance market is vague to most persons. There are many insurance providers. As a private person you can hardly get the overview. Nevertheless one wants to get the fitting solution. Nowadays it is a good choice to use a rate comparison web page as Guenstige Autoversicherung, when you are looking for a particular insurance. There you can obtain the right insurance quotation from a great number of insurance providers.

Some important German insurances - for instance Guenstige Hausratversicherung - which are mentioned in this context are:

The occupational invalidity insurance: Consumer protectors have repeatedly pointed out that the occupational invalidity insurance among the casualty insurance is the most important insurance 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 invalidity cases is disease. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must terminate 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 income gap when not having an occupational invalidity insurance.
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 concessions 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 governmental pension solely, should think about a Riester-Pension agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Pension contracts.
The automobile casualty insurance: If you get an automobile for yourself, you have to insure it. The automobile casualty insurance is required by law - without proof of casualty insurance already the admission of the car is impossible. The automobile casualty insurance helps whenever you culpably cause a damage to another road user. Fully comprehensive cover or part insurance cover can voluntarily be contracted. Comprehensive insurances pay for damages of your own vehicle.
The private health insurance: Private health insurance can be taken by entrepreneurs - regardless of their incomes. As an employee you may switch to the private health insurance, if your annual gross salary 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 insurance usually offers superior performance than the governmental health insurance. Many insurance providers give the option of making adjustments to the tariff of the active agreement.
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 responsible for all damages of persons and vehicles. On the German insurance market there are many dog insurance providers. As a dog owner it is quite hard to find the right provider and contract for your specific requirements. The research for the right insurance can be done on the Internet. There are recommendable websites which offer cost-free comparisons of German dog liability insurances.
The private liability insurance: Even a slight mistake for example an error in giving way when bicycling, or a careless discarded cigarette may cause extensive damages. Especially when people come to injury, the claims of the victim may result in the financial ruin of the polluter. There is no limitation to the top. Therefore the casualty insurance is essential for everyone. With a private liability insurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The above mentioned insurances and several more can be found at comparison websites on the Internet, such as: Guenstige Rechtsschutzversicherung. This comparison web page is independent from a single insurance provider and gives a nice overview of the market.

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