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Was ist eine Elementarschadenversicherung?

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Für Schäden, die durch die vier Elemente entstanden sind, gibt es die sogenannte Elementarschadenversicherung. Eine Elementarschadenversicherung bietet sich für Menschen an, die in eher gefährdeten Gebieten leben oder wenn Elementarschäden in einem Gebiet Hochwasser, Lawinen, Erdbeben, oder Stürme häufig vorkommen. Die Gefährdungsstufe einer Region reicht von Stufe 1 (kaum gefährdet) bis Stufe 4 (sehr gefährdet). Von der Gefahrenstufe abhängig ist auch die Versicherungssumme und die Prämie.

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