A recent BGH ruling challenges the standard exclusion for mold and fungal damage in home insurance policies. Learn why this clause may be unfair, how it affects claims, and what homeowners and insurance advisors need to know.…

Complaints to the German Private Health Insurance (PKV) Ombudsman rose sharply in 2024. Discover the main reasons for disputes—like claim denials and coverage issues—and learn how to protect your rights, drawing parallels to challenges in US private health insurance.…