Building Insurance Nuremberg: value preservation, bank-readiness, renovation protection.

The policy review through our cooperation with LZK Versicherungsmakler GmbH (Patrick Paulig) is free of charge. You pay no commission, no consultation fee and enter no obligation. Patrick Paulig reviews your existing policy against around 100 insurers and shows you where you are over- or under-insured.

Mandated clients of Davis & Partner encounter insurance questions in three places: before a renovation (preservation of value), during active marketing (damage risk) and at handover after notarisation (who pays what?). An experienced insurance broker resolves precisely these interface issues — LZK Versicherungsmakler GmbH has been our trusted network partner for Middle Franconia for years.

Patrick Paulig is an insurance broker at LZK Versicherungsmakler GmbH, focused on residential building and property insurance in the Nuremberg metropolitan region. He is your direct contact for the policy review and can transition your existing insurance seamlessly into an optimised contract — without you having to worry about notice periods.

As standard: fire, water damage, storm and hail. Optionally extendable to elemental damage (heavy rain, flooding, landslide, backflow), glass breakage and unnamed hazards. In Middle Franconia, the extension for elemental damage is becoming increasingly relevant — the damage patterns of recent years show why.

The 1914 insured value is the historical reference value on which German residential building insurance policies are calculated. The current reinstatement value is derived from it through the annually adjusted construction price index. If this reference value was set too low at the time of contract or was not updated after later modernisations, underinsurance arises. At current Nuremberg construction costs, the gap can easily reach six figures in the event of a claim. LZK Versicherungsmakler GmbH checks the 1914 value against the real reinstatement value of your building – regularly the first lever in the first check.

The buyer's financing bank requires a building insurance policy with a comprehensible insured sum, a clearly documented clause structure and an underinsurance-waiver-capable value concept. An outdated or incomplete policy can delay the financing commitment or, in the worst case, cause it to collapse. Stefan Vogelsang at Dr. Klein and Patrick Paulig at LZK work out this interface together – before the property is marketed.

To the property. On sale, the existing building insurance passes to the buyer by law (§ 95 VVG). The buyer has a special right of cancellation within one month of being registered in the land register. This transitional phase is often the source of costly oversights – we actively discuss it within the Davis & Partner mandate.

Mr Paulig responds within one business day. An initial policy assessment is usually possible within 48 hours. For more complex cases (apartment blocks, listed building substance, ongoing renovation) he schedules an on-site appointment.

No. You decide whether and when to switch. Mr Paulig first prepares only a side-by-side comparison of your current policy against the best market alternatives. If you decide to switch, he handles the entire process including timely cancellation of the previous policy.

For the first assessment, your current building insurance certificate (policy number, living area, year of construction) is sufficient. Mr Paulig discusses everything else in person. If you do not yet have documents at hand, this is no obstacle — your address is enough to start.