There is a small house located in my orchard in Germany. The orchard contains mostly fruit trees and is situated in a landscape protection area. The house has two stories and is built of stone, but it does neither have access to water or electricity, nor does it contain sleeping facilities. Therefore, I am unsure how to insure it against fire and other damages caused by elements. There are insurance options for huts on the same property as the living home, insurances for huts in allotment garden associations (Kleingartenverein) and for weekend homes that contain sleeping facilities. Neither of these options seems to fit. The official term in the building permit is shelter (Unterstand).
Could the house fall under one of the formerly mentioned insurances, or are there other options available?
Why I would consider insurance:
- the way this house is built would not be permitted anymore. It is way to big and massive and nowadays it is only permitted to renovate old buildings (Bestandsschutz), but if I needed to build a new one, it would be a lot smaller.
- These kind of houses are rare due to the reasons stated above, so the building makes up a significant part of the value of the property.
- There are three huge beeches directly next to the building, so a storm could probably destroy the roof, if a big branch falls on top of it.
I am not sure, if those reasons are actually covered by insurance.