HomeTec Protect - The New Insurance Cover for modern Home Technology Systems
Comprehensive All-Risk Coverage for All Systems Serving the Energy Supply of Single- and Two-Family Homes
The Best Energy Insurance on the Market
The right coverage for modern home technology systems
With PHÖNIX HomeTec Protect, all systems and devices that serve the energy supply of a private home are fully insured.
The Best Energy Insurance on the Market
Comprehensive protection for a wide range of systems
The all-risk coverage provides extensive insurance protection for systems in the following areas:
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Solar power technology
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Heating and climate control systems
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Smart home technology
The Best Energy Insurance on the Market
Tailored protection – insure only what is needed
Does your existing home insurance already cover fire risks, or is no electricity being sold? Coverage can be adjusted to the homeowner’s needs by adding or removing optional modules.
Benefits Overview
Included
Up to €50,000
Included
Up to €5,000
2 months
Included
€25,000
Included
Not Included
Up to €25,000
Included
Up to €2,500
1 month
Included
€10,000
Included
Coverage Scope | HomeTec Protect Premium (max. €250,000) | HomeTec Protect Exklusiv (max. €100,000) |
|---|---|---|
Best-Value Guarantee | Included | Not Included |
Waiver of Gross Negligence Objection | Up to €50,000 | Up to €25,000 |
Damage caused by animal bites (e.g., martens or mice) | Included | Included |
Dismantling Costs (in case of a claim) | Up to €5,000 | Up to €2,500 |
Coverage before operational readiness | 2 months | 1 month |
Breakage of transparent module surfaces | Included | Included |
Claim-related work on roofs and façades | €25,000 | €10,000 |
Additional costs due to price increases | Included | Included |
What Our Customers Say About the Energy Policy: In recent months, we have made significant investments in upgrading our home technology. Having the right and comprehensive coverage for these systems is therefore very important to us.
(Gunnar R., Speyer)
What Our Customers Say About the Energy Policy: In recent months, we have made significant investments in upgrading our home technology. Having the right and comprehensive coverage for these systems is therefore very important to us.
(Gunnar R., Speyer)
Good Reasons to Choose PHÖNIX HomeTec Protect
The Best Energy Insurance on the Market
- True all-risk coverage
- Simple premium calculation
- New-for-old replacement coverage
- Perfect complement to your building insurance
- Systems valued up to €100,000 individually
- Optional GAP coverage included
- Coverage starting from just €89.25 per year
Strong Benefits, Fair Premiums
Policy Options | Deductible | HomeTec Protect Premium | HomeTec Protect Exklusiv |
|---|
Insured Items | Premium Rate of Sum Insured – Premium | Premium Rate of Sum Insured – Exklusiv | |
Photovoltaic Systems | €150 | 3.570‰ | 2.975‰ |
Battery Storage | €150 | 3.570‰ | 2.975‰ |
EV Charging Stations | €150 | 3.570‰ | 2.975‰ |
Balcony Power Plants | €150 | 3.570‰ | 2.975‰ |
Heat Pumps | €150 | 5.712‰ | 4.760‰ |
Heating Systems | €150 | 5.712‰ | 4.760‰ |
Air Conditioning Systems | €150 | 5.712‰ | 4.760‰ |
Solar Thermal Systems | €150 | 5.712‰ | 4.760‰ |
Communication Technology | €150 | 7.140‰ | 5.950‰ |
Control Systems | €150 | 7.140‰ | 5.950‰ |
Security Technology | €150 | 7.140‰ | 5.950‰ |
Fire Protection Systems | €150 | 7.140‰ | 5.950‰ |
The minimum premium applicable to each risk can be found in the respective offers.
Strong Benefits, Fair Premiums
Annual Premium Examples (including insurance tax)
FAQs on Our HomeTec Protect
The PHÖNIX HomeTec Protect Energy Policy covers all systems that are essential for your home’s energy supply – for example, heating systems, heat pumps, solar panels, or battery storage. Our product also insures smart home components such as alarm systems, fire detection systems, or similar devices.
ou can insure what you want… We offer coverage for the following device groups:
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Photovoltaic systems
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Battery storage systems
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EV charging stations
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Balcony power plants
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Solar/Geothermal systems
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Heat pumps
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Heating systems
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Air conditioning systems
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Communication technology
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Control systems
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Security technology
Unforeseen damage caused by fire, water damage, overvoltage, lightning, frost, user error, vandalism, or theft.
Yes, our policies include the costs of repairs or replacement of defective parts.
Yes, modern systems such as photovoltaic panels, solar thermal systems, or battery storage are fully insured.
Yes, our policies also cover loss of income (e.g., from solar systems) or additional costs for replacement energy.
Building insurance covers damage from fire, water, storm, or hail – but not all technical malfunctions or user errors. The energy policy fills these gaps.
It should reflect the replacement value of all energy systems in the home to ensure full reimbursement in the event of a claim.