Replacement-value cover
Rebuilding at today's prices — no deductions for age or wear.
800+clients in Austria
15+insurers compared
4.9Google rating
4languages DE · UA · RU · EN
§28MaklerG best advice
GISAlicensed insurance broker
Whoever builds a house does not only build walls. They build belonging.
More than a million claims in private households are reported in Austria every year. Flooding, storm, hail, frost, fire, burst pipes — the climate is becoming less predictable and the damage more expensive.
Anyone who only came to own their house after years of work — or only after starting over in a foreign country — knows that this house is not simply replaceable. It is not just walls and a roof. It is home in the most concrete sense. Home buildings insurance covers the building at replacement value, and covers natural hazards, fire damage and everything permanently attached to the house.
In your own house you have your own truth, and strength, and freedom.
What you get with Wenexus.
Six promises we are happy to be measured against.
Natural hazards
Storm, hail, flooding, avalanche, snow load — important in Tyrol, Salzburg and Vorarlberg.
Fire and consequential damage
Smoke, soot and the water used to fight the fire. Including hotel costs if the house is uninhabitable.
Cover during building work
For a new build or a conversion too — insured from the day work starts.
Glass breakage
Windows, conservatory, glass roof — replaced at new-for-old value.
Claims support
We arrange surveyors, drying and tradespeople — in your language.
Three routes, three prices. One conversation.
We recommend the plan that fits your life — not the most expensive one.
Basic
from24€/month
- Included: Fire, storm, escaping water
- Included: Insured value up to 300,000 €
- Included: Glass breakage
- Included: Hotel costs for 30 days
- Not included: Natural hazard damage
- Not included: Cover during building work
Comfort
Recommendedfrom42€/month
- Included: Everything in Basic
- Included: Natural hazard damage in full
- Included: Insured value up to 600,000 €
- Included: Cover during building work included
- Included: Wallbox and solar system
- Not included: Concierge claims service
Premium
from68€/month
- Included: Everything in Comfort
- Included: Insured value up to 1.2 million €
- Included: Concierge claims service
- Included: Key service included
- Included: Loss of rent for 12 months
- Included: Advice in DE/UA/RU
The exact premium depends on your age, your region, the insured object and your claims history. We will send you a PDF comparing the three best options — with no obligation to buy.
Four steps. In person. In your language.
Needs analysis
A 30-minute conversation — in German, Ukrainian or Russian. We understand your situation before we open a single plan.
Market comparison
We compare 15+ insurers on the scope of cover, the Selbstbehalt (deductible) and how they actually settle claims — not just on the premium.
Signing
You sign digitally or in our office. We take care of cancelling your old policy.
When you claim
We call the insurer. We translate. We represent you. That is best advice under §28 MaklerG.
Your plan. Within 24 hours. On a single page.
We compare 15+ insurers and send you a PDF — the three best options, honestly compared.
- A personal needs analysis — no bots
- A comparison of 15+ insurers
- A clear plan comparison on one page
- Advice in DE, UA, RU or EN
Voices from the diaspora.
„After the hail damage in Vorarlberg the surveyors were on site within two days. We had the roof repaired in three weeks.“
„We bought the house in 2023 — my first of my own after 20 years of renting. Wenexus explained why Premium makes sense for our timber house.“
„A storm took off half our roof covering. Wenexus arranged the emergency sheeting that same evening and handled the whole claim.“
Answers in a language you understand.
The rebuilding value — not the market value. In Austria you currently calculate 2,200–3,500 € per square metre. So for a 150 m² family house, a sum insured of roughly 400,000–500,000 €.
Flooding, landslide, avalanche, earthquake and snow load. Essential in Tyrol, Salzburg and Vorarlberg; in Vienna it depends on the location. We check the risk zone map for your address.
In the Comfort plan: yes, automatically. Damage from storm, hail and lightning, and theft of the solar modules. The wallbox is also covered against power surges and vandalism.
Hedges, trees and garden furniture are often covered in the Premium plan, up to 5,000 €. A pool, pergola or garden house is usually a separate module. We configure that with you.
Yes, both. Haushalt = the contents (furniture, appliances). Eigenheim = the fabric of the building (walls, roof, heating, fitted kitchen). They complement each other; for an owner, Haushalt alone is not enough.
Comfort plan: 38–58 €/month depending on the year of construction, the location and the heating system. With solar panels and a wallbox: 8–14 €/month more. We compare at least three insurers.
What you have built deserves more than the cheapest plan.
We review your existing contract or configure a new one — with natural hazards, rebuilding cover and language you understand.
Free consultation · No obligation