The title addresses the fundamental coverage issues of homeowners' and contents insurance. Additionally, it explains the basics of glass breakage insurance, natural disaster insurance, and travel luggage insurance. Case law and literature are evaluated for each specific area of concern, allowing for an initial assessment in many cases without the need for additional publications. In the third edition, decisions regarding the new Insurance Contract Act (VVG) have been incorporated, particularly concerning benefit reductions in cases of gross negligence leading to the insured event and obligations law. The book is aimed at employees in the property damage departments of insurers and all individuals interested in property insurance law, providing a decision-making aid for daily claims handling practice.