The assurance market is vague to most individuals. There are many assurance vendors. As a client you can hardly get the overview. Nevertheless one wants to obtain the right solution. Nowadays it is a good idea to use a rate comparison web page as Guenstige Autoversicherung, when you are in need of a particular assurance. There you can retrieve the right assurance quote from a great number of assurance vendors.

Some important German insurances - for example Guenstige Hausratversicherung - which are mentioned in this context are:

The occupational disablement assurance: Consumer protectors have repeatedly pointed out that the occupational disablement assurance adjacent to the indemnity assurance is the most important assurance generally. The loss of manpower is an existential risk. Because of being no longer able to work means to earn nothing. Physical hardship often is the result. The state barely helps in such a case - the statutory pension assurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational disablement cases is disease. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must quit their jobs for illness reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the health assurance and for unemployment benefits are exhausted, you are confronted with a large income gap when not having an occupational disablement assurance.
The German Riester-Assurance: The so called Riester-Assurance is a government-funded private pension you can seize to close your personal pension gap. It is both safe and attractive: During the active working life, you pay contributions into a private annuity contract, a bank or savings fund, additionally you get growing state allowances and tax breaks as a bonus. Later you will receive monthly benefits a lifetime - in the form of an annuity or a payment plan. Each employed professional, who is not willing to rely on the statutory pension exclusively, should take into consideration a Riester-Assurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Assurance plans.
The auto indemnity assurance: If you get a car for yourself, you have to insure it. The auto indemnity assurance is required by law - without proof of indemnity assurance already the admission of the car is impossible. The auto indemnity assurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be concluded. Comprehensive insurances pay for damages of your own vehicle.
The private sickness assurance: Private sickness assurance can be taken by entrepreneurs - regardless of their incomes. As an employee you may switch to the private sickness assurance, if your yearly gross income lies 3 years in a row over the assurance limit of 48,150 Euros (equivalent to 4012.50 Euros a month, status of 2008). Also officials, judges and members of parliament are usually privately insured. The German private sickness assurance usually offers superior performance than the statutory health assurance. Many assurance vendors give the option of making modulation to the tariff of the active contract.
The dog liability assurance: Without a dog liability assurance every dog owner carries a very high risk of liability when his four-legged friend once causes a damage. When the dog runs over the street and causes a traffic accident, one can be held responsible for all damages of persons and vehicles. On the German assurance market there are many dog assurance vendors. As a dog owner it is quite hard to find the right provider and contract for your specific needs. The research for the right assurance can be done via Internet. There are advisable sites which offer cost-free comparisons of German dog liability insurances.
The private liability assurance: Even a marginal mistake e.g. a lapse in giving way when bicycling, or a careless cast off cigarette may cause huge damages. Especially when people come to tort, the claims of the victim may result in the financial ruin of the tortfeaser. There is no limitation to the top. Therefore the indemnity assurance is essential for everyone. With a private liability assurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: Guenstige Rechtsschutzversicherungen. This comparison web page is independent from a single insurer and gives a good overview of the market.