Home and Property-Liability-Insurance

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The property owner is liable for damages in connection with the faulty construction or poor maintenance of a property “of suspected fault” (§ 836 BGB).  What does this mean for you? If property or personal damages occur, arising from your home or property, you are held liable whether at fault or not. This is the case unless you have taken the necessary care to prevent damage and can prove it! In addition, one must also consider the liability according to German Statute § 823 BGB and the resulting safety obligations for all other damages.