Elementary insurance; information portal on insurance against natural disasters

The "Elementar versichern" website provides information on how you can insure yourself against the most common natural hazards and offers tips on structural and technical precautionary measures.


Heavy rain, floods or storms - these and other natural disasters can occur more and more frequently due to climate change. They can lead to damage to buildings, household goods or inventory. This is why the Bavarian state government is calling on private individuals and companies to take out comprehensive insurance against damage caused by natural hazards with its public campaign "Think ahead - insure for the elements". This Internet portal provides information on the relevant measures.

First of all, the portal provides an overview of the most important natural hazards that can occur in Bavaria - first and foremost floods caused by high water and heavy rain. Floods occur, for example, as a result of continuous rain or snowmelt and lead to flooding that can cause personal injury and property damage. Damage caused by heavy rainfall events occurs when large amounts of precipitation fall within a short period of time and the water cannot seep away quickly enough. Heavy rainfall is possible at any time throughout Bavaria and, according to scientific forecasts, will occur more frequently in the future (as a result of climate change).

One focus of information on the portal is the topic of insurance. Here you will find information on how to insure residential buildings, apartments, business premises and operating equipment against natural hazards. You can also find out how a building can be insured against natural hazards.

In addition, the website points out thebiggest errors that lead to many people not taking out natural hazard insurance. These include the assumption that one's own place of residence is not at risk or that damage caused by natural forces is automatically covered by household contents insurance.

The portal also provides information on precautionary measures that you can take to protect yourself against possible damage. Here, for example, you can download a flood protection guide. In addition, you can find out what state benefits the Bavarian government is providing to help mitigate the effects of climate change and adapt as best as possible to unavoidable consequences. Also available on the website is the information sheet on natural hazards, in which the Bavarian State Government provides information on the end of state financial support in the form of emergency aid following natural disasters on 1 July 2019.

The website also provides links and contact points, including information on precautionary measures against floods and snow pressure, as well as information and warning services.

Links to more information

Status: 22.10.2021

Responsible for editing: Bayerisches Staatsministerium für Wirtschaft, Landesentwicklung und Energie

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  • Online transactions, Bavaria-wide
  • Online transactions, locally limited
  • Prefillable Form, Bavaria-wide
  • Legal bases, Bavaria-wide
  • Legal bases, locally limited
  • Fees, Bavaria-wide
  • Fees, locally limited
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