Your home is Your Safe Haven

ARAG now offers one legal insurance for your real estate assets, with equal coverage for private and business purposes. The rates for the insurance vary depending on the type of the property: private, individual, or professional. In addition, you can choose from a basic coverage plan to a comprehensive coverage plan.

 

What does the insurance cover?

With ARAG's home legal insurance, you will enjoy versatile protections in conflicts and disputes besides your fire or residential policy. You will get legal support and access to legal experts. ARAG defends you in court and pays the costs of court and attorney fees. Our mission: to get you the highest possible compensation demands.

Discover Our Formulas

Coverage of the basic formula
Coverage of the extended formula
Legal protection


Civil damages


Criminal defense


Civil defense


Property Law


Administrative Law


Tax law


General contracts


Insolvency of third parties


Basic Formula

BASIC-FORMULA A. Use for private purposes
Premium per housing unit 1
1st residential unit € 43,96
2nd and next residential unit € 40,96
B. Use for professional purposes - Investment property*
Premium per risk
per risk 10% of the net brand premium (net premium to be increased by taxes and costs) with a minimum premium of € 58,65

Comprehensive Formula

EXTENDED FORMULA A. Use for private purposes
Premium per housing unit 1
1st residential unit € 94,34
2nd and next residential unit € 81,90
B. Use for professional purposes - Investment property*
Premium per risk
per risk 20% of the net brand premium (net premium to be increased by taxes and costs) with a minimum of € 146,85


(*) Investment Property = Under investment property, we mean a property for mixed use, real estate, or private use, consisting of more than 3 units located at the same address.
(1) "Housing Unit"= we mean the unit intended for habitation, regardless of whether it is inhabited or rented by the insurant. For example: an apartment building with 3 apartments = 3 units.

Examples of Interventions

  • Your house suffers serious water damage. Your fire insurer gives you a compensation for it. You dispute the amount because it is insufficient.
  • You are the victim of a burglary. Your policy covers theft, but the insurer refuses to intervene. According to him, you made a serious error because your home was insufficiently protected against theft.