BHVG

What BHVG does

BHVG (Bayerische Hausbesitzer-Versicherungs-Gesellschaft a. G.) is a Munich-based German property insurance carrier that specializes in insurance products for residential property owners and landlords. The portfolio is concentrated in property-related lines: residential building insurance (Wohngebäudeversicherung) as the flagship, complemented by household contents (Hausratversicherung), glass, private liability, builder's liability, water-damage liability, animal-owner liability, rented condominium, and property-owner legal protection insurance. Coverage is structured in tiers — Basic, Komfort, Premium — with multi-year contract terms and an August 2023 enhancement adding renewable-energy systems (heat pumps, solar, PV up to 100 sqm) and additional elemental-damage perils to the Komfort and Premium tiers without a premium increase.

Underlying technology consists of a standard insurance policy management and tariff calculation backbone exposed through an online self-service portal and a separate Schadenportal for damage reporting; no proprietary AI/ML or APIs are disclosed. BHVG makes money through recurring insurance premiums priced by property value, coverage tier, and deductible, with examples starting at 150.53 €/year for a single-family residential building policy at a 300,000 € insurance sum on a 3-year term.

Distribution combines direct-to-consumer acquisition via the online tariff calculator with channel partnerships through property-owner associations (Haus & Grund Deutschland, Haus & Grund Bayern), a property-focused bank (Hausbank München eG), and the Bavarian real-estate manager association (Verband der Immobilienverwalter Bayern). The company is supervised by BaFin, operates exclusively within Germany, and runs on a 7-employee lean model; ownership structure is not publicly disclosed beyond the 'a. G.' designation.

Name

BHVG

Legal name

Bayerische Hausbesitzer-Versicherungs-Gesellschaft a. G.

Website

https://bhvg.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

BHVG (Bayerische Hausbesitzer-Versicherungs-Gesellschaft a. G.) is a Munich-based, BaFin-regulated German insurer specializing in property insurance for residential property owners and landlords, offering building, household, liability, and legal protection coverage distributed via direct online channels and property-owner association partnerships.

Ownership category

akta.pro rank

Product category

Property Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro industry

PRIMARYFSAJACAA

Homeowners Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)

SECONDARYFSAJACAD

Landlord / Dwelling Fire (DP) Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)

Keywords

• Property insurance
• Residential building insurance
• Household contents insurance
• Legal protection insurance
• Landlord liability insurance

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Property Insurance Premiums: BHVG generates revenue through insurance premiums from property and casualty insurance products including residential building insurance, household insurance, glass insurance, liability insurance, and legal protection insurance. Pricing is based on property value, coverage type, and selected deductibles with annual or multi-year payment options.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

BHVG (Bayerische Hausbesitzer-Versicherungs-Gesellschaft a. G.) is a Munich-based specialist insurer that underwrites property and casualty insurance products for residential property owners and landlords in Germany. Its core offering centers on Wohngebäudeversicherung (residential building insurance) in Premium and Komfort tiers, complemented by household contents, glass, liability, legal protection, builder's, water damage, animal owner, and rented-condominium policies distributed via online tariff calculators and partner channels.

Product overview

BHVG (Bayerische Hausbesitzer-Versicherungs-Gesellschaft a. G.) is a specialized property insurer offering a portfolio of insurance products for property owners and landlords in Germany. The core offering includes Wohngebäudeversicherung (residential building insurance) available in Premium and Komfort coverage tiers, complemented by Hausratversicherung (household contents), Glasversicherung (glass), and liability products including Privat-Haftpflicht, Bauherren, Gewässerschaden, and Tierhalter. Additional products include Rechtsschutzversicherung (legal protection) for landlord-tenant disputes and specialized coverage for rented condominiums. The company provides online tariff calculators for all products and a damage reporting portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Wohngebäudeversicherung (Residential Building Insurance) Comprehensive residential building insurance for German property owners and landlords covering fire, lightning, explosion, water damage, storm/hail (wind force 8+), natural disasters, theft, vandalism, and elemental risks, available in Premium and Komfort tiers.
• Hausratversicherung (Household Contents Insurance) Insurance for household contents against fire, burglary, vandalism, robbery, water damage, storm, and hail, offered in Premium, Comfort, and Basic tiers with optional bicycle theft coverage and a mobility guarantee on bicycle theft.
• Glasversicherung (Glass Insurance) All-risk insurance for building and furniture glazing against breakage, including glass ceramics, aquariums, and artistic glasswork.
• Privat-Haftpflichtversicherung (Private Liability Insurance) Personal liability insurance protecting the policyholder against third-party claims when they damage someone else's property.
• Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance for property owners and landlords, covering court costs for disputes with tenants and neighbors.
• Bauherrenversicherung (Builder's Insurance) Liability insurance for construction projects, covering risks arising from building work on the insured property.
• Gewässerschadenversicherung (Water Damage Liability Insurance) Liability coverage for damage caused by water escaping from tanks or systems on the insured property.
• Tierhalterversicherung (Animal Owner Liability Insurance) Liability insurance for pet owners covering damage caused by their animals to third parties.
• Vermietete Eigentumswohnung Versicherung (Rented Condominium Insurance) Special insurance product tailored for owners who rent out condominium units.
• Haus- und Grundstücks-Rechtsschutz (Property Legal Protection) Legal protection for property owners and landlords, including criminal defense, damage claims, and traffic legal protection, available in Plus and Basic tiers and targeted at members of Haus & Grund property owner associations.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Haus & Grund Deutschland (Zentralverband der Deutschen Haus-, Wohnungs- und Grundeigentümer e.V.)coreChannel Partner/ Reseller/ DistributorNational association of German property owners. BHVG offers insurance products to members of this association.
• Haus & Grund Landesverband BayerncoreChannel Partner/ Reseller/ DistributorBavarian state association of property owners. Partnership for distributing property insurance to members in Bavaria.
• Hausbank München eGcoreChannel Partner/ Reseller/ DistributorBank specializing in property and real estate financing. Offers BHVG insurance products to property financing customers.
• Verband der Immobilienverwalter Bayern e.V.minorChannel Partner/ Reseller/ DistributorAssociation of real estate managers in Bavaria. Partnership for reaching property management companies.
• Gesamtverband der Deutschen Versicherungswirtschaft e.V. (GDV)minorOthersGerman Insurance Association. BHVG is a member of this industry association.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Domcura: German specialist insurer focused on niche property and personal lines, distributing through broker and association channels. Comparable in specialist positioning and channel-partner GTM.
• Advocard Rechtsschutz: German specialist legal protection insurer owned by Generali, with strong Rechtsschutz offerings for private and property-owner customers. Directly comparable to BHVG's legal protection insurance line.
• DEURAG: German specialist legal protection insurer offering Rechtsschutz products for property owners and landlords. Closely comparable to BHVG's Haus- und Grundstücks-Rechtsschutz product line.
• Grundeigentümer-Versicherung: German specialist insurer closely tied to Haus & Grund property owner associations, offering property, liability, and legal protection insurance for property owners. Highly comparable in niche focus, distribution model, and product portfolio.

Broad incumbents

• VHV (Vereinigte Hannoversche Versicherung): Established German property/casualty insurer with strong positioning in construction, liability, and property segments. Comparable in core property and liability lines but operates at a broader scale beyond just property owners.
• R+V Versicherung: German mutual-affiliated insurer offering Wohngebäude, Hausrat, and liability products through cooperative and banking channels. Comparable product set and mutual governance philosophy.
• Allianz Versicherung: Germany's largest P&C insurer offering comprehensive property, liability, and legal protection products. Directly competes with BHVG across nearly all product lines, though as a broad incumbent rather than specialist.
• HUK-Coburg: Large German mutual insurer offering Wohngebäude, Hausrat, liability, and legal protection insurance nationwide. Directly competes in BHVG's core product set but at significantly larger scale.

Regional players

• Bayerische Versicherungsbank (Versicherungskammer Bayern Konzern): Bavarian regional insurer within the Versicherungskammer group, providing direct overlap in the same Munich-headquartered geography and property owner segment.
• Versicherungskammer Bayern: Bavarian regional public-law insurer with deep roots in the same Munich/Bavaria geography as BHVG. Comparable in product set and regional focus, with strong incumbency advantage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bhvg

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BHVG