Eduard Strekert Financial Advisory · DVAG
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Property insurance in Lüdenscheid: one policy protects your whole life.

Liability, household contents, your home, your car, your legal rights: these belong together. With Generali's Vermögenssicherungspolice (all-in-one property & liability policy), you bundle your personal coverage into one contract, with a best-performance guarantee and up to 25 % customer bonus. Together we look at what you really need.

1 policy
All modules under one roof: one premium, one contact person, one overview instead of many separate policies.
up to 25 %
Customer bonus that grows as you bundle more modules. Three lines of cover earn a 10 % discount, six already 25 %.
from day one
Thanks to gap coverage (Differenzdeckung), you switch without any gap. Your full protection applies immediately, even while an old policy is still running.

What fits your life?

Click what applies to you. In one minute I'll show you which modules make sense, no sign-up required.

Non-binding orientation, not advice and not an offer. Which modules really fit your situation is something we clarify together in a personal conversation.

The bundle · up to 25 % bonus

Vermögenssicherungspolice

All your personal coverage in one policy: liability, household contents, homeowners, accident, glass and more. With best-performance guarantee and customer bonus.

See everything in one policy →

Personal

Personal liability

One careless moment can get expensive. Damage to others covered up to 50 million €, with the whole family included.

Learn more →

Home

Household contents

Furniture, tech, bikes and valuables at replacement value. With Optimal XXL, even your own clumsiness is covered.

Learn more →

Home

Homeowners

Your biggest asset, properly protected: fire, tap water damage, storm and natural hazards, at index-linked replacement value.

Learn more →

Mobility

Car insurance

Liability with 100 million €, comprehensive and partial cover with marten protection incl. consequential damage, new-car price for up to 36 months.

Learn more →

Legal

Legal expenses

Being right and proving it in court are two different things. Lawyer and court costs through ADVOCARD, with unlimited coverage across Europe.

Learn more →

Not sure where to start? That's exactly what I'm here for.

Free initial consultation →

Example benefits and conditions (as of 2026), simplified and rounded. Solely the insurance terms and tariffs of the respective risk carriers apply, including Generali Deutschland Versicherung AG and, for legal expenses insurance, ADVOCARD Rechtsschutzversicherung AG. Your actual coverage is defined by your insurance policy document. Eduard Strekert is a financial advisor for Deutsche Vermögensberatung AG (DVAG), and acts as an insurance intermediary under Sec. 34d GewO (German Trade Regulation). This page is non-binding information and does not replace individual advice.

Common questions about property insurance.

Which insurance policies do you really need?
Three areas matter for almost everyone. Personal liability, because you are liable in full for damage you cause to someone else's property. Cover for your ability to work, because your income is your biggest asset. And cover for what you own: household contents if you rent, plus buildings insurance if you own. Everything else depends on your situation. No car, no car insurance. If you deal with a lot of contracts, legal expenses cover starts to make sense.
What is the difference between household contents and buildings insurance?
Household contents insurance covers what is inside your flat: furniture, clothes, electronics, bikes. Buildings insurance covers the building itself, so walls, roof and everything permanently installed. As a tenant you only need contents cover, the building is your landlord's job. As the owner of a property you need both.
What is the Vermögenssicherungspolice?
One contract from Generali that bundles several parts: personal liability, household contents, buildings, car and legal expenses. Legal expenses are provided by ADVOCARD. Instead of five separate policies with five premiums and five contacts, you have one contract and one overview.
Is it worth bundling insurance policies?
On price, yes. In the Vermögenssicherungspolice the customer bonus grows with the number of parts. Three lines give you 10 percent, six lines 25 percent. But price is only one side. A cheap contract that does not pay when you need it is no help. First we look at what you need. The discount comes after that.
What does the consultation cost you?
Nothing. I am paid through commissions from the product partners DVAG works with. I am a financial advisor for Deutsche Vermögensberatung AG (DVAG) and place the products of those partners. If you want to know whether your current cover fits, we can go through it together.