Isolathor Posted December 26, 2021 Share Posted December 26, 2021 Here in Germany it depends on the terms of the contract. I have a home insurance that also covers so called damage by elements (acts of god?). There is a mandatory insurance if you own a house, but it covers only fire. If you want to have protection against wind, rain, snow, hail, water and lightning you need that extra part "damage by elements". ❤️ my wife in heels (and without ...) Link to comment Share on other sites More sharing options...
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